Harpers Ferry at a glance
- Population: the Census estimates 268 residents, ranking 184th of 230 places in West Virginia (Vintage 2023).
- 2020 Census base: the 2020 count put the population at 271 (US Census Bureau).
- 2020 to 2023 change: population fell about 1.1% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among West Virginia places: 184th out of 230 Census places (US Census Bureau).
- Size percentile: about 20% of West Virginia's Census places are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 39.3252, -77.7414.
- Nearest larger cities: Bolivar, WV (1 mi); Brunswick, MD (6 mi); Rosemont, MD (6 mi); Lovettsville, VA (7 mi); Ranson, WV (8 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Burkittsville, MD (8 mi); Hillsboro, VA (9 mi); Barnesville, MD (21 mi) — US Census Bureau populations.
What a personal loan costs in Harpers Ferry
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
West Virginia lending rules that apply in Harpers Ferry
The West Virginia rate caps and licensing rules that reach Harpers Ferry are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| Payday lending status | Traditional payday lending is generally prohibited; check cashers are regulated under W. Va. Code ch. 32A Source says: Traditional "Payday Lenders" are generally prohibited within this state. | West Virginia Division of Financial Institutions (WV DFI) as of 2026-09-16 |
| Small-loan / installment lender licensing | Regulated consumer lender license required from the Commissioner (W. Va. Code § 46A-4-101) Source says: Unless a person has first obtained a license from the commissioner authorizing the person to make regulated consumer loans | West Virginia Legislature (West Virginia Code) as of 2026-09-16 |
| State lending regulator | West Virginia Division of Financial Institutions (WV DFI) Source says: The West Virginia Division of Financial Institutions is charged with the regulation and supervision of financial institutions chartered by the State of West Virginia. | West Virginia Division of Financial Institutions (WV DFI) as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | 31% per year on unsecured loans of $3,500 or less; 27% on $3,500–$15,000; 18% above $15,000 (W. Va. Code § 46A-4-107) Source says: the loan finance charge, calculated according to the actuarial method, may not exceed 31 percent per year | West Virginia Legislature (West Virginia Code) as of 2026-09-16 |
How to compare offers in Harpers Ferry
The order below is a sensible way to approach a loan in Harpers Ferry:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in West Virginia using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.