Pullman at a glance
- Population: 131 — 219th in West Virginia, which has 230 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 135 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: down roughly 3.0% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among West Virginia places: the 219th-largest of 230 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 5% of West Virginia's places have fewer residents (US Census Bureau).
- Coordinates: 39.1880, -80.9490 (US Census Bureau Gazetteer).
- Nearest larger cities: Harrisville, WV (6 mi); Pennsboro, WV (7 mi); Ellenboro, WV (8 mi); Cairo, WV (11 mi); West Union, WV (12 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Auburn, WV (8 mi); Friendly, WV (23 mi); Smithfield, WV (30 mi) (US Census Bureau).
What a personal loan costs in Pullman
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Pullman
The table carries the West Virginia rate and licensing rules that apply to consumer loans made in Pullman.
| 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 Pullman
Before you commit to a personal loan in Pullman, 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.