Personal loans in Mabscott, WV

A lender serving Mabscott holds a West Virginia licence and answers to a West Virginia regulator; no city office is involved for its 1,282 residents.

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.

Read the disclosure for an origination fee and any prepayment penalty before signing in Mabscott. An estimated 1,282 people make their home in Mabscott, a figure that ranks 87th in West Virginia. A single loan can carry different costs on either side of a state line, and Mabscott sits on the West Virginia side of that line. Mabscott lost roughly 4.3% of its population across the 2020-to-2023 comparison. The closest larger city is Beckley, WV about 3 miles away.

What the Census records for Mabscott

Two layers matter for a Mabscott borrower: the local population picture and West Virginia's consumer-lending statutes.

Mabscott against the rest of West Virginia

Within West Virginia, Mabscott holds roughly 0.2% of all residents, the 87th-largest share among 230 places. For population change between 2020 and 2023, Mabscott ranks 168th of 230 in West Virginia (about the 27th percentile). At about 1,386 people per square mile, Mabscott is the 74th most densely settled place in West Virginia. The population moved by about 57 people between 2020 and 2023, a 4.3% shift.

How personal loans work in Mabscott

A Mabscott personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 1,282 residents. Because pricing is borrower-level, two people in Mabscott can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Mabscott loan but raises total interest, so the smallest payment is not the cheapest loan.

Borrowing reach in Mabscott

At roughly 1,386 people per square mile, Mabscott is moderately settled; 24 larger places lie within 50 miles. What is available to Mabscott's 1,282 borrowers is set by West Virginia licensing and your own credit, not by how many branches are nearby. The nearest larger city, Beckley, WV about 3 miles away.

How West Virginia law applies in Mabscott

For the roughly 1,282 residents of Mabscott, the rules below are West Virginia's own; each row carries its publisher and retrieval date.

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
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
Small-loan / installment lender licensingRegulated 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

Where Mabscott sits

Inside Mabscott's boundaries lie about 0.9 square miles of land, with no significant water area recorded. Spread across it are roughly 1,386 residents per square mile. Charleston, the largest place in West Virginia, is about 46 miles from Mabscott. Within 50 miles of Mabscott there are 24 larger Census places. By land area it ranks 111th of 230 West Virginia 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 Mabscott 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 Mabscott is the same as anywhere in West Virginia.
What loan size can I expect in Mabscott?
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 Mabscott?
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 Mabscott 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.

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