Personal loans in Bayard, WV

Where Bayard stands

The figures below are Bayard's own — Census population, land area and coordinates — followed by the West Virginia rules.

• Population: about 193 people live here, which puts Bayard 204th of 230 Census places in West Virginia (Vintage 2023).
• Population trend: Roughly 3.0% fewer residents than the 2020 Census counted.
• Change in people: the 2020-to-2023 comparison is a loss of about 6 residents.
• Size percentile: about 11% of West Virginia's Census places are smaller than Bayard.
• Density: roughly 621 residents per square mile, spread over 0.3 sq mi of land.
• Land area: Bayard covers 0.3 square miles, the 207th-largest area among West Virginia's 230 places.
• Share of state population: Bayard's 193 residents are about 0.0% of West Virginia.
• National rank: Bayard is 16,589th of 19,457 places nationwide.
• Growth in West Virginia: Bayard stands 114th by percentage change from 2020 to 2023, among 230 places.
• Versus West Virginia: the state average change is -3.0%, while Bayard moved 3.0%.
• Density rank: Bayard is the 175th most densely settled place in West Virginia.
• Against the state median: Bayard runs about 621 residents per square mile, where the West Virginia median is 1,021.
• Location: 39.2711, -79.3662 (US Census Bureau Gazetteer).
• Nearest larger cities: Loch Lynn Heights (8 mi); Mountain Lake Park (9 mi); Oakland (10 mi); Thomas (11 mi); Deer Park (11 mi). Living near a larger metro rarely changes what is available in Bayard.
• Smaller communities within reach: Luke (22 mi); Harman (26 mi); Montrose (28 mi).
• Smaller neighbours: 11 places smaller than Bayard sit within 50 miles.
• At 100 miles: 449 larger Census places fall inside that radius.

The state rulebook for Bayard

For the roughly 193 residents of Bayard, the rules below are West Virginia's own; each row carries its publisher and retrieval date.

Where Bayard sits

Inside Bayard's boundaries lie about 0.3 square miles of land, with no significant water area recorded. Spread across it are roughly 621 residents per square mile. The state's population centre of gravity, Charleston, is roughly 138 miles away. Bayard has 74 larger places within a 50-mile radius. Within the same 50 miles lie 11 smaller Census places.

What a Bayard borrower is actually offered

Bayard is a small community of about 193 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Bayard's 193 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Bayard loan but raises total interest, so the smallest payment is not the cheapest loan.

How Bayard compares across West Virginia

Set beside West Virginia's 230 places, Bayard ranks 204th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 114th of 230 West Virginia places, putting it near the 50th percentile for growth. By density, at about 621 people per square mile, it ranks 175th in West Virginia. Between 2020 and 2023 the count changed by roughly 6 residents.

The Bayard borrowing checklist

Before you apply in Bayard, a community of about 193, work through these steps:

1. Pull your credit reports first and correct any error before a lender sees the file.
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. Decide the purpose and how you will repay it before approaching any lender.
6. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
7. Read the disclosure for an origination fee and any prepayment penalty before signing.

The process is identical across West Virginia; what changes is your credit file, not the fact that Bayard holds 193 people.