Personal loans in Bethlehem, WV
State law, not city hall, decides what a lender may do to Bethlehem's roughly 2,553 residents, and a state regulator supervises it.
If you are weighing a personal loan in Bethlehem, start from the payment you can carry; its 2,553 residents face the same statewide rules. Bethlehem is one of 230 Census places in West Virginia; its 2,553 residents put it at 48th. The trend for Bethlehem between 2020 and 2023 is downward by roughly 2.1%. Work out your debt-to-income ratio first; lenders weigh it heavily, and Bethlehem's 2,553 residents are no exception. A larger market lies at Wheeling, WV about 2 miles away.
Bethlehem: the sourced local profile
The figures below are Bethlehem's own — Census population, land area and coordinates — followed by the West Virginia rules.
- Population: 2,553 — Bethlehem ranks 48th of 230 communities in West Virginia (US Census Bureau, Vintage 2023).
- Population trend: Down about 2.1% from the 2020 Census base to the 2023 estimate.
- Absolute change: 54 residents lost between 2020 and 2023.
- Size percentile: bigger than about 79% of the places in West Virginia, with 2,553 residents in Bethlehem.
- Land and density: 3.5 square miles of land carry roughly 724 residents per square mile.
- By land area: Bethlehem ranks 29th among West Virginia's 230 places, at 3.5 sq mi.
- Share of West Virginia: Bethlehem holds about 0.4% of the state's population, some 2,553 people.
- National rank: Bethlehem is 6,778th of 19,457 places nationwide.
- Growth in West Virginia: Bethlehem stands 69th by percentage change from 2020 to 2023, among 230 places.
- State comparison: West Virginia's places average -3.0% for 2020-to-2023, against Bethlehem's 2.1%.
- Density in West Virginia: Bethlehem ranks 161st by people per square mile.
- Density vs West Virginia: Bethlehem's 724 people per square mile compare with a state median of 1,021.
- Location: latitude 40.0465, longitude -80.6809 (Census Gazetteer).
- Nearest larger cities: Wheeling (2 mi); Bellaire (4 mi); Martins Ferry (5 mi); Shadyside (6 mi); Moundsville (9 mi). A branch is convenient; it is not what sets your APR.
- Smaller communities close by: Triadelphia (3 mi); Bridgeport (4 mi); Benwood (4 mi), each with its own Census population profile.
- Within a 50-mile radius: 177 smaller Census places.
- Larger places within 100 miles: 221.
A pre-application checklist for Bethlehem
Before you hand your details to a lender in Bethlehem, where the population is near 2,553:
- Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
- Model the payment on the calculator before a lender models it for you.
- Shop at least three lenders and judge them on APR and total cost.
- Make sure the lender appears in the West Virginia regulator's licence list.
- Keep the amount to the expense; an approval is not a reason to take more.
- Be clear on what the loan is for and how it gets repaid.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
In Bethlehem as elsewhere in West Virginia, the written terms — not the advertisement — are what count for its 2,553 residents.
Bethlehem's place among West Virginia's 230 places
Against West Virginia's other places, Bethlehem accounts for about 0.4% of the state's population and ranks 48th of 230 by size. Its 2020-to-2023 change ranks 69th of 230 West Virginia places, putting it near the 70th percentile for growth. Its roughly 724 residents per square mile place it 161st among West Virginia's places. Between 2020 and 2023 the count changed by roughly 54 residents.
Bethlehem on the map
Bethlehem's land area is roughly 3.5 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 724 residents per square mile. For the state's biggest city, Charleston, the distance is roughly 128 miles. Within 50 miles of Bethlehem there are 78 larger Census places. By land area it ranks 29th of 230 West Virginia places.
West Virginia rules behind a Bethlehem personal loan
This table holds the West Virginia rate and licensing rules for consumer loans made to Bethlehem's 2,553 residents.
| 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 |
| Small-loan / installment lender licensing | Regulated 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 |
Lender access in Bethlehem
With about 724 residents per square mile, Bethlehem is moderately settled, and 78 larger Census places sit within 50 miles. Distance to a branch rarely matters for Bethlehem's 2,553 residents: the application is online and the price follows your credit file. The nearest larger city, Wheeling, WV about 2 miles away.
Common questions
What are my options in Bethlehem if my credit is poor?
What loan size can I expect in Bethlehem?
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Does comparing loans in Bethlehem cost me credit score points?
Nearby places
- Wheeling, WV — population 26,208
- Triadelphia, WV — population 651
- Benwood, WV — population 1,191
- Bridgeport, OH — population 1,534
- Bellaire, OH — population 3,763
- Martins Ferry, OH — population 6,076
- McMechen, WV — population 1,613
- Brookside, OH — population 524