Mullens at a glance
- Population: about 1,383 residents, ranking 80th of 230 Census places in West Virginia (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 1,475 residents here (US Census Bureau).
- 2020 to 2023 change: roughly 6.2% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among West Virginia places: 80th of the state's 230 Census places (US Census Bureau).
- Size percentile: about 65% of places in West Virginia are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 37.5825, -81.3862.
- Nearest larger cities (120-mile radius): Oceana, WV (15 mi); Welch, WV (16 mi); Beckley, WV (18 mi); Princeton, WV (22 mi); Bluefield, WV (24 mi) (US Census Bureau).
- Nearest smaller places: Pineville, WV (8 mi); Sophia, WV (11 mi); Lester, WV (11 mi) (US Census Bureau estimates).
What a personal loan costs in Mullens
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
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.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
West Virginia lending rules that apply in Mullens
The table carries the West Virginia rate and licensing rules that apply to consumer loans made in Mullens.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Mullens
Before you commit to a personal loan in Mullens, work through these steps:
- 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.