Personal loans in Powhatan Point, OH

An estimated 1,419 people make their home in Powhatan Point, a figure that ranks 462nd in Ohio. For a borrower among the roughly 1,419 residents of Powhatan Point, a personal loan is a tool whose cost turns on the terms, not the address.

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

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Price two or three terms so you can see which payment is truly affordable in Powhatan Point. Consumer lending that reaches Powhatan Point's 1,419 residents is governed by Ohio statute; no city ordinance changes it. From the 2020 Census base to the 2023 estimate, the population declined by about 2.5%. A larger market lies at Moundsville, WV about 5 miles away.

Powhatan Point by the numbers

The figures below are Powhatan Point's own — Census population, land area and coordinates — followed by the Ohio rules.

Population: about 1,419 people live here, which puts Powhatan Point 462nd of 924 Census places in Ohio (Vintage 2023).
Population trend: The 2020-to-2023 change is negative, near 2.5%.
Net change: roughly 37 fewer people than the 2020 Census counted.
Size percentile: Powhatan Point's 1,419 people outrank roughly 50% of the places in Ohio.
Density: roughly 965 residents per square mile, spread over 1.5 sq mi of land.
Land area: Powhatan Point covers 1.5 square miles, the 428th-largest area among Ohio's 924 places.
Water area rank: Powhatan Point ranks 92nd among Ohio's 924 places, with 0.16 sq mi.
Share of Ohio: Powhatan Point holds about 0.0% of the state's population, some 1,419 people.
National standing: Powhatan Point ranks 8,901st of 19,457 US places.
Growth in Ohio: Powhatan Point stands 819th by percentage change from 2020 to 2023, among 924 places.
Against the state trend: Powhatan Point's 2.5% change compares with a Ohio average of +0.9% across its 924 places.
Density in Ohio: Powhatan Point ranks 619th by people per square mile.
Against the state median: Powhatan Point runs about 965 residents per square mile, where the Ohio median is 1,289.
Location: it lies at 39.8623, -80.8096 in the Census Gazetteer.
Nearest larger cities: Moundsville (5 mi); Glen Dale (6 mi); Shadyside (8 mi); McMechen (9 mi); Bellaire (11 mi). Living near a larger metro rarely changes what is available in Powhatan Point.
Smaller towns nearby: Clarington (6 mi); Benwood (11 mi); Beallsville (12 mi).
Smaller neighbours: 109 places smaller than Powhatan Point sit within 50 miles.
At 100 miles: 307 larger Census places fall inside that radius.

Powhatan Point in state context

Against Ohio's other places, Powhatan Point accounts for about 0.0% of the state's population and ranks 462nd of 924 by size. On the 2020-to-2023 trend, Powhatan Point stands 819th among Ohio's 924 places — roughly the 11th percentile. Its roughly 965 residents per square mile place it 619th among Ohio's places. In land area, Powhatan Point ranks 428th among Ohio's 924 places.

Before you apply in Powhatan Point

Before you hand your details to a lender in Powhatan Point, where the population is near 1,419:

Get your credit reports, dispute what is wrong, and only then start shopping.
Test your amount and term in the personal loan calculator first.
Collect three or more offers and compare them on APR, not on the advertised rate.
Verify the lender's Ohio licence with the regulator listed on this page.
Write down the purpose of the loan and your repayment plan before you apply.
When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
Look for an origination fee or prepayment penalty in the written disclosure.

What differs between Powhatan Point and the rest of Ohio is not the process but the borrower's own file, among the 1,419 people here.

Ohio rules behind a Powhatan Point personal loan

Read the table as a lender's compliance picture for Powhatan Point: the rule, the sourced figure, the publisher and the date.

Rule	Detail	Source
State lending regulator	Ohio Department of Commerce, Division of Financial Institutions (Consumer Finance Section). Source says: "The Consumer Finance Section is responsible for regulating non-depository consumer lenders and related consumer finance businesses."	Ohio Department of Commerce - Division of Financial Institutions as of 2026-09-16
Payday lending status	Legal for licensed short-term lenders; interest capped at 28% per annum; total fees and charges capped at 60% of the originally contracted loan amount. Source says: "(A) Interest not exceeding a rate of twenty-eight per cent per annum" (Ohio Rev. Code 1321.40); total fees/charges capped at "a total amount of fees and charges that exceeds sixty per cent of the originally contracted loan amount" (1321.403).	Ohio Laws (Ohio Revised Code - official state publication) as of 2026-09-16
Small-loan / installment lender licensing	Consumer finance licenses required for non-depository lenders, including Consumer Installment Loan Act lenders, General Loan Law lenders, short-term lenders, and small loan lenders. Source says: "We issue and manage licenses for companies and individuals under multiple Ohio statutes." (page's regulated-statutes list names Consumer Installment Loan Act lenders, General Loan Law lenders, Short-term lenders, Small loan lenders).	Ohio Department of Commerce - Division of Financial Institutions as of 2026-09-16

How personal loans work in Powhatan Point

A Powhatan Point personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 1,419 residents. Federal Truth in Lending rules require a Powhatan Point lender to disclose the APR and finance charge before you sign. Shortening the term on a Powhatan Point loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Getting a loan in Powhatan Point

At roughly 965 people per square mile, Powhatan Point is moderately settled; 54 larger places lie within 50 miles. Distance to a branch rarely matters for Powhatan Point's 1,419 residents: the application is online and the price follows your credit file. The nearest larger city, Moundsville, WV about 5 miles away.

Compare personal loan offers Run the numbers first

Common questions

What are my options in Powhatan Point 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 Powhatan Point is the same as anywhere in Ohio.

What loan size can I expect in Powhatan Point?

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 Powhatan Point?

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 Powhatan Point 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

Moundsville, WV — population 7,724
Clarington, OH — population 272
Glen Dale, WV — population 1,425
Shadyside, OH — population 3,365
McMechen, WV — population 1,613
Benwood, WV — population 1,191
Bellaire, OH — population 3,763
Bridgeport, OH — population 1,534