Personal loans in Bradshaw, WV
The 2020 count to the 2023 estimate shows about 9.9% decline in Bradshaw. Bradshaw is a small community of about 183 residents, and a personal loan taken out here is governed by West Virginia statute.
At about 183 residents, Bradshaw is larger than roughly 10% of the places in West Virginia. The nearest larger metro is War, WV about 7 miles away. State law, not city hall, decides what a lender may do to Bradshaw's roughly 183 residents, and a state regulator supervises it. Work out your debt-to-income ratio first; lenders weigh it heavily, and Bradshaw's 183 residents are no exception.
Bradshaw by the numbers
Two layers matter for a Bradshaw borrower: the local population picture and West Virginia's consumer-lending statutes.
- Population: the Census counts 183 residents in Bradshaw (Vintage 2023 subcounty estimate), the 207th-largest figure among West Virginia's 230 places.
- Population trend: About 9.9% below the 2020 Census base.
- Change in people: the 2020-to-2023 comparison is a loss of about 20 residents.
- Size percentile: roughly 10% of West Virginia's places have fewer residents than Bradshaw's 183.
- Density: roughly 236 residents per square mile, spread over 0.8 sq mi of land.
- By land area: Bradshaw ranks 123rd among West Virginia's 230 places, at 0.8 sq mi.
- Water area: Bradshaw has 0.03 square miles of water, ranking 88th of 230 places in West Virginia.
- State population share: Bradshaw accounts for about 0.0% of everyone in West Virginia.
- National rank: Bradshaw is the 16,728th most populous of the 19,457 Census places covered here.
- Growth rank: Bradshaw's 2020-to-2023 change ranks 225th of 230 places in West Virginia.
- Versus West Virginia: the state average change is -3.0%, while Bradshaw moved 9.9%.
- Density rank: Bradshaw places 221st among West Virginia's places by people per square mile.
- Density in context: Bradshaw's 236 people per square mile sit against a West Virginia median of 1,021.
- Location: 37.3494, -81.7973 (US Census Bureau Gazetteer).
- Nearest larger cities: War (7 mi); Iaeger (8 mi); Davy (12 mi); Welch (13 mi); Gary (14 mi). Living near a larger metro rarely changes what is available in Bradshaw.
- Smaller places close by: Anawalt (20 mi); Keystone (20 mi); Cleveland (34 mi).
- Smaller neighbours: 7 places smaller than Bradshaw sit within 50 miles.
- At 100 miles: 219 larger Census places fall inside that radius.
Bradshaw against the rest of West Virginia
Within West Virginia, Bradshaw holds roughly 0.0% of all residents, the 207th-largest share among 230 places. Its 2020-to-2023 change ranks 225th of 230 West Virginia places, putting it near the 2th percentile for growth. At about 236 people per square mile, Bradshaw is the 221st most densely settled place in West Virginia. In land area, Bradshaw ranks 123rd among West Virginia's 230 places.
The West Virginia lending rules that reach Bradshaw
When West Virginia does not publish a figure, the row links to the source instead of inventing a number; Bradshaw 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 |
| 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 |
How personal loans work in Bradshaw
Bradshaw is a small community of about 183 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Bradshaw lender to disclose the APR and finance charge before you sign. Shortening the term on a Bradshaw loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
What is available to Bradshaw borrowers
Bradshaw is lightly settled, with about 236 people per square mile and 57 larger places within 50 miles. Lenders licensed in West Virginia reach Bradshaw's 183 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is War, WV about 7 miles away.
Where Bradshaw sits
Bradshaw's land area is about 0.8 square miles; a further 0.03 square miles is water. That land carries about 236 people per square mile. The largest place in West Virginia, Charleston, lies about 70 miles away. Bradshaw has 57 larger places within a 50-mile radius. By land area it ranks 123rd of 230 West Virginia places.
Common questions
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Nearby places
- Iaeger, WV — population 230
- War, WV — population 559
- Davy, WV — population 189
- Welch, WV — population 3,414
- Richlands, VA — population 5,095
- Gary, WV — population 703
- Cedar Bluff, VA — population 1,024
- Gilbert, WV — population 311