Personal loans in Harpers Ferry, WV

Harpers Ferry: population, trend and location

Here is the sourced Census picture for Harpers Ferry, plus the West Virginia lending rules that apply to a loan taken out here.

• Population: about 268 people live here, which puts Harpers Ferry 184th of 230 Census places in West Virginia (Vintage 2023).
• Population trend: The 2020-to-2023 change is negative, near 1.1%.
• Net change: roughly 3 fewer people than the 2020 Census counted.
• Size percentile: about 20% of West Virginia's Census places are smaller than Harpers Ferry.
• Population density: about 501 people per square mile (Census land area 0.5 sq mi).
• Land area: Harpers Ferry covers 0.5 square miles, the 153rd-largest area among West Virginia's 230 places.
• Water area: Harpers Ferry has 0.09 square miles of water, ranking 38th of 230 places in West Virginia.
• Share of West Virginia: Harpers Ferry holds about 0.0% of the state's population, some 268 people.
• National rank: Harpers Ferry is the 15,517th most populous of the 19,457 Census places covered here.
• Growth rank: Harpers Ferry ranks 45th among West Virginia's 230 places for the 2020-to-2023 change.
• Versus West Virginia: the state average change is -3.0%, while Harpers Ferry moved 1.1%.
• Density rank: Harpers Ferry is the 183rd most densely settled place in West Virginia.
• Density in context: Harpers Ferry's 501 people per square mile sit against a West Virginia median of 1,021.
• Location: 39.3252, -77.7414 (Census Gazetteer coordinates).
• Nearest larger cities: Bolivar (1 mi); Brunswick (6 mi); Rosemont (6 mi); Lovettsville (7 mi); Ranson (8 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Nearest smaller towns: Burkittsville (8 mi); Hillsboro (9 mi); Barnesville (21 mi) — useful context for the surrounding area.
• Smaller neighbours: 8 places smaller than Harpers Ferry sit within 50 miles.
• Within 100 miles: 358 places are larger than Harpers Ferry.

Where Harpers Ferry sits in West Virginia

Set beside West Virginia's 230 places, Harpers Ferry ranks 184th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Harpers Ferry ranks 45th of 230 in West Virginia (about the 80th percentile). Its roughly 501 residents per square mile place it 183rd among West Virginia's places. Within 50 miles sit 8 smaller Census places, alongside the 96 that are larger.

A practical checklist for Harpers Ferry borrowers

These steps shape the offer you get in Harpers Ferry, a place of about 268 people:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Line up several pre-qualified offers and let the APR decide.
4. Verify the lender's West Virginia licence with the regulator listed on this page.
5. Check the disclosure for fees that raise the true cost above the quoted rate.
6. Make sure the new payment leaves room in a budget you already keep.
7. Pick the shortest term whose payment you can comfortably afford.

None of these steps is Harpers Ferry-specific: the same West Virginia licensing and disclosure rules reach all 268 residents.

West Virginia rules behind a Harpers Ferry personal loan

West Virginia has no separate rate rule for Harpers Ferry; the sourced rows below are what reach every lender that serves its 268 people.

Harpers Ferry: area, density and distance

Harpers Ferry's land area is about 0.5 square miles; a further 0.09 square miles is water. Spread across it are roughly 501 residents per square mile. The largest place in West Virginia, Charleston, lies about 220 miles away. Within 50 miles of Harpers Ferry there are 96 larger Census places. The 100-mile radius contains 358 larger places.

What a Harpers Ferry borrower is actually offered

In Harpers Ferry, a small community of about 268, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Two numbers drive a Harpers Ferry loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Harpers Ferry loan is knowable in advance — unlike a revolving card balance.