Personal loans in Moundsville, WV
Two households in Moundsville with comparable incomes can still be offered different rates; the city's 7,724 residents are not the reason. About 7,724 people live in Moundsville, placing it 17th of 230 Census places in West Virginia.
The nearest larger city is Wheeling, WV about 11 miles away. The trend for Moundsville between 2020 and 2023 is downward by roughly 4.4%. Every figure below is West Virginia's own, applied to Moundsville's 7,724 residents, with the publisher and retrieval date attached. Pull your credit reports and line up at least three offers before you apply from Moundsville.
Moundsville: the sourced local profile
Read the local figures below as context; read the sourced West Virginia table as the rulebook a lender here must follow.
- Population: about 7,724, ranked 17th of 230 places in West Virginia (Census Vintage 2023 subcounty estimate).
- Population trend: About 4.4% below the 2020 Census base.
- People gained or lost: about 359 fewer since the 2020 base.
- Size percentile: bigger than about 93% of the places in West Virginia, with 7,724 residents in Moundsville.
- Density: roughly 2,657 residents per square mile, spread over 2.9 sq mi of land.
- Land area rank: Moundsville's 2.9 square miles rank 36th of 230 places in West Virginia.
- Water area rank: Moundsville ranks 14th among West Virginia's 230 places, with 0.45 sq mi.
- Share of West Virginia: Moundsville holds about 1.3% of the state's population, some 7,724 people.
- National rank: Moundsville sits 3,755th by population among the 19,457 places in this dataset.
- Growth in West Virginia: Moundsville stands 174th by percentage change from 2020 to 2023, among 230 places.
- Against the state trend: Moundsville's 4.4% change compares with a West Virginia average of -3.0% across its 230 places.
- Density rank: Moundsville places 12th among West Virginia's places by people per square mile.
- Density in context: Moundsville's 2,657 people per square mile sit against a West Virginia median of 1,021.
- Location: mapped by the US Census Bureau at 39.9221, -80.7421.
- Nearest larger cities: Wheeling (11 mi); Steubenville (31 mi); Washington (31 mi); Weirton (35 mi); Canonsburg (38 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller communities within reach: Glen Dale (2 mi); Shadyside (3 mi); McMechen (4 mi).
- Within a 50-mile radius: 181 smaller Census places.
- Larger places within 100 miles: 85.
How lenders reach Moundsville
At roughly 2,657 people per square mile, Moundsville is fairly dense; 16 larger places lie within 50 miles. Distance to a branch rarely matters for Moundsville's 7,724 residents: the application is online and the price follows your credit file. The nearest larger city, Wheeling, WV about 11 miles away.
The state rulebook for Moundsville
When West Virginia does not publish a figure, the row links to the source instead of inventing a number; Moundsville 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 |
| 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 |
| Payday lending status | Traditional 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 |
The anatomy of a Moundsville personal loan
With roughly 7,724 residents, Moundsville is a small town; its personal loans are typically unsecured, priced from your credit rather than the city's size. Two numbers drive a Moundsville loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Moundsville loan but raises total interest, so the smallest payment is not the cheapest loan.
How Moundsville compares across West Virginia
Moundsville is the 17th-largest of 230 Census places in West Virginia and contains about 1.3% of the state's people. On the 2020-to-2023 trend, Moundsville stands 174th among West Virginia's 230 places — roughly the 24th percentile. At about 2,657 people per square mile, Moundsville is the 12th most densely settled place in West Virginia. The population moved by about 359 people between 2020 and 2023, a 4.4% shift.
The geography behind Moundsville
Moundsville covers about 2.9 square miles of land, with 0.45 square miles of water inside its boundaries (Census Gazetteer). Spread across it are roughly 2,657 residents per square mile. Charleston, the largest place in West Virginia, is about 119 miles from Moundsville. Within 50 miles of Moundsville there are 16 larger Census places. The 100-mile radius contains 85 larger places.
Common questions
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Nearby places
- Glen Dale, WV — population 1,425
- Shadyside, OH — population 3,365
- McMechen, WV — population 1,613
- Benwood, WV — population 1,191
- Powhatan Point, OH — population 1,419
- Bellaire, OH — population 3,763
- Bethlehem, WV — population 2,553
- Bridgeport, OH — population 1,534