Personal loans in Blacksville, WV

The Census estimates 119 residents in Blacksville, which ranks it 224th of 230 places in West Virginia.

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

Compare loan offers Run the numbers first

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.

A lender serving Blacksville holds a West Virginia licence and answers to a West Virginia regulator; no city office is involved for its 119 residents. Population in Blacksville climbed about 1.7% over the three years from 2020 to 2023. Work out your debt-to-income ratio first; lenders weigh it heavily, and Blacksville's 119 residents are no exception. A lender that serves Blacksville operates under West Virginia lending statutes and a West Virginia supervisor. The next larger city is Fairview, WV about 9 miles away.

Blacksville by the numbers

Two layers matter for a Blacksville borrower: the local population picture and West Virginia's consumer-lending statutes.

The Blacksville borrowing checklist

These steps shape the offer you get in Blacksville, a place of about 119 people:

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  2. Test your amount and term in the personal loan calculator first.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Verify the lender's West Virginia licence with the regulator listed on this page.
  5. Weigh a shorter term's higher payment against the interest it saves.
  6. Keep the amount to the expense; an approval is not a reason to take more.
  7. Be clear on what the loan is for and how it gets repaid.

None of these steps is Blacksville-specific: the same West Virginia licensing and disclosure rules reach all 119 residents.

Where Blacksville sits

Inside Blacksville's boundaries lie about 0.3 square miles of land, with no significant water area recorded. That land carries about 398 people per square mile. The state's population centre of gravity, Charleston, is roughly 121 miles away. Within 50 miles of Blacksville there are 192 larger Census places. Within the same 50 miles lie 8 smaller Census places.

Blacksville in state context

Against West Virginia's other places, Blacksville accounts for about 0.0% of the state's population and ranks 224th of 230 by size. On the 2020-to-2023 trend, Blacksville stands 8th among West Virginia's 230 places — roughly the 97th percentile. By density, at about 398 people per square mile, it ranks 201st in West Virginia. Between 2020 and 2023 the count changed by roughly 2 residents.

What a Blacksville borrower is actually offered

In Blacksville, a small community of about 119, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The rate you see advertised is a range, not a promise, until a lender reviews your file in Blacksville. The term you choose in Blacksville decides the split between a comfortable payment and the total interest you pay.

The state rulebook for Blacksville

Every row below records a West Virginia rule, its publisher and its retrieval date — the same rules a Blacksville lender must follow.

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
Small-loan / installment lender licensingRegulated 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
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
Compare personal loan offers Run the numbers first

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 Blacksville 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 Blacksville is the same as anywhere in West Virginia.
What loan size can I expect in Blacksville?
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 Blacksville?
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 Blacksville 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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