Personal loans in Moundsville, WV

Two households in Moundsville with comparable incomes can still be offered different rates; the city's 7,724 residents are not the reason. About 7,724 people live in Moundsville, placing it 17th of 230 Census places in West Virginia.

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.

The nearest larger city is Wheeling, WV about 11 miles away. The trend for Moundsville between 2020 and 2023 is downward by roughly 4.4%. Every figure below is West Virginia's own, applied to Moundsville's 7,724 residents, with the publisher and retrieval date attached. Pull your credit reports and line up at least three offers before you apply from Moundsville.

Moundsville: the sourced local profile

Read the local figures below as context; read the sourced West Virginia table as the rulebook a lender here must follow.

How lenders reach Moundsville

At roughly 2,657 people per square mile, Moundsville is fairly dense; 16 larger places lie within 50 miles. Distance to a branch rarely matters for Moundsville's 7,724 residents: the application is online and the price follows your credit file. The nearest larger city, Wheeling, WV about 11 miles away.

The state rulebook for Moundsville

When West Virginia does not publish a figure, the row links to the source instead of inventing a number; Moundsville is bound by the same rules.

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

The anatomy of a Moundsville personal loan

With roughly 7,724 residents, Moundsville is a small town; its personal loans are typically unsecured, priced from your credit rather than the city's size. Two numbers drive a Moundsville loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Moundsville loan but raises total interest, so the smallest payment is not the cheapest loan.

How Moundsville compares across West Virginia

Moundsville is the 17th-largest of 230 Census places in West Virginia and contains about 1.3% of the state's people. On the 2020-to-2023 trend, Moundsville stands 174th among West Virginia's 230 places — roughly the 24th percentile. At about 2,657 people per square mile, Moundsville is the 12th most densely settled place in West Virginia. The population moved by about 359 people between 2020 and 2023, a 4.4% shift.

The geography behind Moundsville

Moundsville covers about 2.9 square miles of land, with 0.45 square miles of water inside its boundaries (Census Gazetteer). Spread across it are roughly 2,657 residents per square mile. Charleston, the largest place in West Virginia, is about 119 miles from Moundsville. Within 50 miles of Moundsville there are 16 larger Census places. The 100-mile radius contains 85 larger places.

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

Nearby places

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