Rowlesburg at a glance
- Population: roughly 435 people; 158th of 230 places in West Virginia (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 441 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: down about 1.4% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among West Virginia places: 158th out of 230 Census places (US Census Bureau).
- Size percentile: it exceeds roughly 31% of West Virginia's Census places by population (US Census Bureau).
- Coordinates: 39.3488 latitude, -79.6767 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Kingwood, WV (9 mi); Terra Alta, WV (10 mi); Reedsville, WV (13 mi); Oakland, MD (15 mi); Masontown, WV (15 mi); each population is a US Census Bureau estimate.
- Nearest smaller places: Tunnelton, WV (5 mi); Newburg, WV (10 mi); Albright, WV (10 mi) (US Census Bureau estimates).
What a personal loan costs in Rowlesburg
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
West Virginia lending rules that apply in Rowlesburg
Read the table as the compliance picture for a lender serving Rowlesburg: 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 Rowlesburg
These steps are the ones that most affect the offer you receive in Rowlesburg:
- 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.