Personal loans in Albright, WV

Albright, West Virginia — home to about 246 people — is a small community, so the terms you are offered follow West Virginia law rather than any local rule. The Census estimates 246 residents in Albright, which ranks it 192nd of 230 places in West Virginia. Albright lost roughly 0.8% of its population across the 2020-to-2023 comparison. Every figure below is West Virginia's own, applied to Albright's 246 residents, with the publisher and retrieval date attached. Use the calculator on this page to price an amount and term before you commit in Albright. The closest larger place is Kingwood, WV about 3 miles away.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Albright by the numbers

What follows is Albright's place in the Census record, alongside the West Virginia rules that govern a personal loan made here.

The anatomy of a Albright personal loan

Most loans made to Albright's 246 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Albright's rank of 192nd in West Virginia: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Albright loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

How West Virginia law applies in Albright

West Virginia has no separate rate rule for Albright; the sourced rows below are what reach every lender that serves its 246 people.

RuleDetailSource
State lending regulatorWest 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 statusTraditional 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

Where Albright sits

Albright's land area is about 0.2 square miles; a further 0.04 square miles is water. That land carries about 1,060 people per square mile. For the state's biggest city, Charleston, the distance is roughly 133 miles. Within 50 miles of Albright there are 116 larger Census places. Within the same 50 miles lie 28 smaller Census places.

Getting a loan in Albright

Albright is moderately settled, with about 1,060 people per square mile and 116 larger places within 50 miles. Whether Albright has a local branch or not, a West Virginia-licensed lender can serve its 246 people online on the same terms. For a larger market, the closest option is Kingwood, WV about 3 miles away.

Albright in state context

Against West Virginia's other places, Albright accounts for about 0.0% of the state's population and ranks 192nd of 230 by size. For population change between 2020 and 2023, Albright ranks 36th of 230 in West Virginia (about the 84th percentile). At about 1,060 people per square mile, Albright is the 107th most densely settled place in West Virginia. By land area, its 0.2 square miles rank 219th of 230 places in West Virginia.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Albright if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Albright is the same as anywhere in West Virginia.
What loan size can I expect in Albright?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Albright?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Albright cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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