Middlebourne at a glance
- Population: 678 people, the 131st-largest place among West Virginia's 230 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 717 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 5.4% lower than the 2020 Census base (US Census Bureau).
- Rank among West Virginia places: 131st-largest of 230 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 43% of West Virginia's places have fewer residents (US Census Bureau).
- Coordinates: 39.4949, -80.9106 (Census Gazetteer, US Census Bureau).
- Nearest larger cities within 120 miles: Sistersville, WV (6 mi); Paden City, WV (8 mi); Matamoras (New Matamoras), OH (9 mi); New Martinsville, WV (11 mi); Pennsboro, WV (15 mi) (US Census Bureau).
- Smaller towns nearby: Friendly, WV (8 mi); Pine Grove, WV (13 mi); Antioch, OH (14 mi) (US Census Bureau).
What a personal loan costs in Middlebourne
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
West Virginia lending rules that apply in Middlebourne
Read the table as the compliance picture for a lender serving Middlebourne: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Middlebourne
Run through this list before signing anything in Middlebourne:
- 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.