Harrisville at a glance
- Population: the Census estimates 1,554 residents, ranking 67th of 230 places in West Virginia (Vintage 2023).
- 2020 Census base: the 2020 Census recorded 1,627 residents here (US Census Bureau).
- 2020 to 2023 change: about 4.5% lower than the 2020 Census base (US Census Bureau).
- Rank among West Virginia places: 67th by size among 230 communities (US Census Bureau).
- Size percentile: larger than about 71% of the Census places in West Virginia (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 39.2119, -81.0485.
- Nearest larger cities within 120 miles: St. Marys, WV (15 mi); Williamstown, WV (25 mi); Marietta, OH (26 mi); Parkersburg, WV (27 mi); Vienna, WV (27 mi) (US Census Bureau).
- Nearest smaller places: Ellenboro, WV (4 mi); Pullman, WV (6 mi); Cairo, WV (6 mi) (US Census Bureau estimates).
What a personal loan costs in Harrisville
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
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.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
West Virginia lending rules that apply in Harrisville
The West Virginia rate caps and licensing rules that reach Harrisville are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Harrisville
These steps are the ones that most affect the offer you receive in Harrisville:
- 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.