Personal loans in Harman, WV

Work out your debt-to-income ratio first; lenders weigh it heavily, and Harman's 94 residents are no exception. Harman shed about 2.1% of its population between the 2020 base and the 2023 estimate. Consumer lending that reaches Harman's 94 residents is governed by West Virginia statute; no city ordinance changes it. For a bigger market, look to Hendricks, WV about 12 miles away.

Borrowing in Harman: the local picture

Set out below is Harman's local context next to the state-level rules that reach every lender here.

• Population: a Census-estimated 94, 227th among West Virginia's 230 places (Vintage 2023).
• Population trend: Down about 2.1% from the 2020 Census base to the 2023 estimate.
• People gained or lost: about 2 fewer since the 2020 base.
• Size percentile: roughly 1% of West Virginia places rank below Harman.
• Density: roughly 291 residents per square mile, spread over 0.3 sq mi of land.
• By land area: Harman ranks 202nd among West Virginia's 230 places, at 0.3 sq mi.
• Within West Virginia: about 0.0% of the state's population lives in Harman.
• National rank: Harman is the 18,226th most populous of the 19,457 Census places covered here.
• Growth rank: Harman ranks 71st among West Virginia's 230 places for the 2020-to-2023 change.
• State comparison: West Virginia's places average -3.0% for 2020-to-2023, against Harman's 2.1%.
• Density in West Virginia: Harman ranks 217th by people per square mile.
• Density vs West Virginia: Harman's 291 people per square mile compare with a state median of 1,021.
• Location: it lies at 38.9211, -79.5246 in the Census Gazetteer.
• Nearest larger cities: Hendricks (12 mi); Hambleton (13 mi); Parsons (15 mi); Davis (15 mi); Thomas (16 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Nearest smaller towns: Luke (46 mi); Bruceton Mills (51 mi); Ohiopyle (65 mi).
• Within a 50-mile radius: 1 smaller Census places.
• Larger places within 100 miles: 317.

Where Harman sits

The Census Gazetteer records about 0.3 square miles of land within Harman, with no significant water area listed. Spread across it are roughly 291 residents per square mile. The largest place in West Virginia, Charleston, lies about 120 miles away. Within 50 miles of Harman there are 57 larger Census places. The 100-mile radius contains 317 larger places.

How personal loans work in Harman

Harman is a small community of about 94 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Harman's rank of 227th in West Virginia: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Harman decides the split between a comfortable payment and the total interest you pay.

The West Virginia lending rules that reach Harman

This table holds the West Virginia rate and licensing rules for consumer loans made to Harman's 94 residents.

Borrowing reach in Harman

Harman is lightly settled, with about 291 people per square mile and 57 larger places within 50 miles. Distance to a branch rarely matters for Harman's 94 residents: the application is online and the price follows your credit file. The nearest larger city, Hendricks, WV about 12 miles away.

Harman against the rest of West Virginia

Harman is the 227th-largest of 230 Census places in West Virginia and contains about 0.0% of the state's people. For population change between 2020 and 2023, Harman ranks 71st of 230 in West Virginia (about the 69th percentile). At about 291 people per square mile, Harman is the 217th most densely settled place in West Virginia. Between 2020 and 2023 the count changed by roughly 2 residents.