Personal loans in Dunbar, WV
With an estimated 7,163 residents, Dunbar is the 19th-largest of 230 places in West Virginia. If you are weighing a personal loan in Dunbar, start from the payment you can carry; its 7,163 residents face the same statewide rules.
Rate-shopping from Dunbar costs nothing at pre-qualification, where a soft pull leaves your credit file alone. Every figure below is West Virginia's own, applied to Dunbar's 7,163 residents, with the publisher and retrieval date attached. From the 2020 Census base to the 2023 estimate, the population declined by about 4.2%. A larger market lies at South Charleston, WV about 2 miles away.
The Dunbar data picture
Here is the sourced Census picture for Dunbar, plus the West Virginia lending rules that apply to a loan taken out here.
- Population: the Census counts 7,163 residents in Dunbar (Vintage 2023 subcounty estimate), the 19th-largest figure among West Virginia's 230 places.
- Population trend: About 4.2% below the 2020 Census base.
- People gained or lost: about 315 fewer since the 2020 base.
- Size percentile: with 7,163 residents, Dunbar is larger than about 92% of West Virginia's Census places.
- Population density: about 2,556 people per square mile (Census land area 2.8 sq mi).
- By land area: Dunbar ranks 39th among West Virginia's 230 places, at 2.8 sq mi.
- Share of West Virginia: Dunbar holds about 1.2% of the state's population, some 7,163 people.
- National rank: Dunbar is 3,945th of 19,457 places nationwide.
- Growth rank: Dunbar's 2020-to-2023 change ranks 167th of 230 places in West Virginia.
- State comparison: West Virginia's places average -3.0% for 2020-to-2023, against Dunbar's 4.2%.
- Density in West Virginia: Dunbar ranks 14th by people per square mile.
- Density vs West Virginia: Dunbar's 2,556 people per square mile compare with a state median of 1,021.
- Location: it lies at 38.3695, -81.7361 in the Census Gazetteer.
- Nearest larger cities: South Charleston (2 mi); St. Albans (5 mi); Charleston (6 mi); Huntington (38 mi); Oak Hill (42 mi). A branch is convenient; it is not what sets your APR.
- Smaller communities close by: Nitro (5 mi); Poca (8 mi); Bancroft (11 mi), each with its own Census population profile.
- Smaller neighbours: 69 places smaller than Dunbar sit within 50 miles.
- Within 100 miles: 19 places are larger than Dunbar.
The West Virginia lending rules that reach Dunbar
When West Virginia does not publish a figure, the row links to the source instead of inventing a number; Dunbar is bound by the same rules.
| Rule | Detail | Source |
|---|---|---|
| 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 |
Dunbar against the rest of West Virginia
Against West Virginia's other places, Dunbar accounts for about 1.2% of the state's population and ranks 19th of 230 by size. On the 2020-to-2023 trend, Dunbar stands 167th among West Virginia's 230 places — roughly the 27th percentile. At about 2,556 people per square mile, Dunbar is the 14th most densely settled place in West Virginia. Between 2020 and 2023 the count changed by roughly 315 residents.
A practical checklist for Dunbar borrowers
These steps shape the offer you get in Dunbar, a place of about 7,163 people:
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Model the payment on the calculator before a lender models it for you.
- Get several pre-qualifications and compare APR side by side before choosing.
- Make sure the lender appears in the West Virginia regulator's licence list.
- Decide the purpose and how you will repay it before approaching any lender.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
- Read the disclosure for an origination fee and any prepayment penalty before signing.
The process is identical across West Virginia; what changes is your credit file, not the fact that Dunbar holds 7,163 people.
How personal loans work in Dunbar
With roughly 7,163 residents, Dunbar is a small town; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Dunbar can be quoted different APRs on the same amount and term. Shortening the term on a Dunbar loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Dunbar: area, density and distance
Dunbar covers about 2.8 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 2,556 people per square mile. Charleston, the largest place in West Virginia, is about 6 miles from Dunbar. Dunbar has 6 larger places within a 50-mile radius. By land area it ranks 39th of 230 West Virginia places.
Common questions
What are my options in Dunbar if my credit is poor?
What loan size can I expect in Dunbar?
Do I have to pledge anything to borrow in Dunbar?
Does comparing loans in Dunbar cost me credit score points?
Nearby places
- South Charleston, WV — population 13,281
- Nitro, WV — population 6,426
- St. Albans, WV — population 10,387
- Charleston, WV — population 46,838
- Poca, WV — population 864
- Bancroft, WV — population 384
- Marmet, WV — population 1,435
- Winfield, WV — population 2,368