Personal loans in Masontown, WV

When West Virginia caps or restricts a product, lenders either change the terms or withdraw it from Masontown as from the rest of the state.

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

Compare loan offers Run the numbers first

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.

In Masontown, one of 230 Census places in West Virginia, the figure to compare across lenders is the APR, not the advertised rate. By population, Masontown sits at 147th in West Virginia, with an estimated 505 residents. Masontown shed about 0.4% of its population between the 2020 base and the 2023 estimate. Use the calculator on this page to price an amount and term before you commit in Masontown. A larger market lies at Reedsville, WV about 3 miles away.

The Masontown data picture

Only a few things actually differ by place — population, area, location, and the West Virginia rules a lender must follow — and they are below.

What is available to Masontown borrowers

With about 1,817 residents per square mile, Masontown is moderately settled, and 83 larger Census places sit within 50 miles. Whether Masontown has a local branch or not, a West Virginia-licensed lender can serve its 505 people online on the same terms. The nearest larger city, Reedsville, WV about 3 miles away.

How Masontown compares across West Virginia

Masontown is the 147th-largest of 230 Census places in West Virginia and contains about 0.1% of the state's people. Its 2020-to-2023 change ranks 21st of 230 West Virginia places, putting it near the 91th percentile for growth. At about 1,817 people per square mile, Masontown is the 41st most densely settled place in West Virginia. The population moved by about 2 people between 2020 and 2023, a 0.4% shift.

The anatomy of a Masontown personal loan

In Masontown, a small community of about 505, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Two numbers drive a Masontown loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Masontown decides the split between a comfortable payment and the total interest you pay.

West Virginia consumer-lending rules applied in Masontown

This table holds the West Virginia rate and licensing rules for consumer loans made to Masontown's 505 residents.

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
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
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

Land, water and location for Masontown

Masontown covers about 0.3 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 505 residents, the land area yields roughly 1,817 people per square mile. For the state's biggest city, Charleston, the distance is roughly 129 miles. Within 50 miles of Masontown there are 83 larger Census places. The 100-mile radius contains 386 larger places.

Compare personal loan offers Run the numbers first

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 Masontown 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 Masontown is the same as anywhere in West Virginia.
What loan size can I expect in Masontown?
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 Masontown?
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 Masontown 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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