Tunnelton at a glance
- Population: 291 (US Census Bureau, Vintage 2023 subcounty estimate), the 183rd-largest of 230 places in West Virginia.
- 2020 Census base: 293 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: roughly 0.7% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among West Virginia places: 183rd of the state's 230 Census places (US Census Bureau).
- Size percentile: roughly 20% of West Virginia's places have fewer residents (US Census Bureau).
- Coordinates: 39.3929, -79.7466 (US Census Bureau Gazetteer).
- Nearest larger cities: Rowlesburg, WV (5 mi); Kingwood, WV (6 mi); Reedsville, WV (9 mi); Masontown, WV (11 mi); Terra Alta, WV (11 mi) (Census populations, approximate straight-line distance).
- Nearest smaller places: Newburg, WV (6 mi); Albright, WV (9 mi); Bruceton Mills, WV (19 mi) (US Census Bureau estimates).
What a personal loan costs in Tunnelton
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.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
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.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
West Virginia lending rules that apply in Tunnelton
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Tunnelton
These steps are the ones that most affect the offer you receive in Tunnelton:
- 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.