Personal loans in Newburg, WV
If you are weighing a personal loan in Newburg, start from the payment you can carry; its 258 residents face the same statewide rules. Newburg ranks 188th of 230 places in West Virginia, with a population near 258. Read the disclosure for an origination fee and any prepayment penalty before signing in Newburg. The 2020 count to the 2023 estimate shows about 1.5% decline in Newburg. When West Virginia caps or restricts a product, lenders either change the terms or withdraw it from Newburg as from the rest of the state. The next larger city is Tunnelton, WV about 6 miles away.
Where Newburg stands
Newburg is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: about 258, ranked 188th of 230 places in West Virginia (Census Vintage 2023 subcounty estimate).
- Population trend: Lower by roughly 1.5% since the 2020 count.
- People gained or lost: about 4 fewer since the 2020 base.
- Size percentile: Newburg's 258 people outrank roughly 18% of the places in West Virginia.
- Population density: about 329 people per square mile (Census land area 0.8 sq mi).
- By land area: Newburg ranks 121st among West Virginia's 230 places, at 0.8 sq mi.
- State share: roughly 0.0% of West Virginia's residents live in Newburg (258 people).
- National rank: Newburg is the 15,648th most populous of the 19,457 Census places covered here.
- Growth in West Virginia: Newburg stands 56th by percentage change from 2020 to 2023, among 230 places.
- Against the state trend: Newburg's 1.5% change compares with a West Virginia average of -3.0% across its 230 places.
- Density in West Virginia: Newburg ranks 212th by people per square mile.
- Against the state median: Newburg runs about 329 residents per square mile, where the West Virginia median is 1,021.
- Location: 39.3889, -79.8536 (US Census Bureau Gazetteer).
- Nearest larger cities: Tunnelton (6 mi); Reedsville (9 mi); Grafton (9 mi); Rowlesburg (10 mi); Kingwood (11 mi). Living near a larger metro rarely changes what is available in Newburg.
- Smaller places nearby: Albright (14 mi); Bruceton Mills (22 mi); Montrose (22 mi).
- Smaller neighbours: 25 places smaller than Newburg sit within 50 miles.
- At 100 miles: 449 larger Census places fall inside that radius.
The West Virginia lending rules that reach Newburg
Every row below records a West Virginia rule, its publisher and its retrieval date — the same rules a Newburg lender must follow.
| 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 |
What to do before borrowing in Newburg
Complete these steps first when you borrow in Newburg (258 residents):
- Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
- Test your amount and term in the personal loan calculator first.
- Shop at least three lenders and judge them on APR and total cost.
- Check the West Virginia regulator's records to confirm the lender is licensed here.
- Choose a term you can live with; stretching it lowers the payment but raises total interest.
- Keep the amount to the expense; an approval is not a reason to take more.
- Decide the purpose and how you will repay it before approaching any lender.
In Newburg as elsewhere in West Virginia, the written terms — not the advertisement — are what count for its 258 residents.
Land, water and location for Newburg
Newburg's land area is roughly 0.8 square miles, and the Gazetteer records no significant water area within it. With 258 residents, the land area yields roughly 329 people per square mile. The largest place in West Virginia, Charleston, lies about 120 miles away. Counting outward 50 miles, 92 larger communities surround Newburg. By land area it ranks 121st of 230 West Virginia places.
Newburg in state context
Among West Virginia's 230 places, Newburg sits at 188th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 56th of 230 West Virginia places, putting it near the 76th percentile for growth. At about 329 people per square mile, Newburg is the 212th most densely settled place in West Virginia. By land area, its 0.8 square miles rank 121st of 230 places in West Virginia.
Getting a loan in Newburg
Newburg is lightly settled, with about 329 people per square mile and 92 larger places within 50 miles. Distance to a branch rarely matters for Newburg's 258 residents: the application is online and the price follows your credit file. The nearest bigger place is Tunnelton, WV about 6 miles away.
Common questions
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Nearby places
- Tunnelton, WV — population 291
- Reedsville, WV — population 526
- Grafton, WV — population 4,589
- Masontown, WV — population 505
- Rowlesburg, WV — population 435
- Kingwood, WV — population 2,956
- Albright, WV — population 246
- Morgantown, WV — population 30,429