Personal loans in Beech Bottom, WV

With 524 residents, Beech Bottom outranks about 37% of the communities in West Virginia. Compare APR, not the interest rate, because the APR folds in most fees on a Beech Bottom loan. Census figures put the 2020-to-2023 decrease in Beech Bottom at about 5.6%. A single loan can carry different costs on either side of a state line, and Beech Bottom sits on the West Virginia side of that line. The nearest larger metro is Tiltonsville, OH about 4 miles away.

Local context for Beech Bottom

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

• Population: a Census-estimated 524, 146th among West Virginia's 230 places (Vintage 2023).
• Population trend: A loss of roughly 5.6% between 2020 and 2023.
• Absolute change: 31 residents lost between 2020 and 2023.
• Size percentile: with 524 residents, Beech Bottom is larger than about 37% of West Virginia's Census places.
• Population density: 451 people per square mile on 1.2 square miles of land.
• By land area: Beech Bottom ranks 86th among West Virginia's 230 places, at 1.2 sq mi.
• Water area rank: Beech Bottom ranks 8th among West Virginia's 230 places, with 0.70 sq mi.
• State share: roughly 0.1% of West Virginia's residents live in Beech Bottom (524 people).
• National rank: Beech Bottom is the 12,970th most populous of the 19,457 Census places covered here.
• Growth in West Virginia: Beech Bottom stands 202nd by percentage change from 2020 to 2023, among 230 places.
• State comparison: West Virginia's places average -3.0% for 2020-to-2023, against Beech Bottom's 5.6%.
• Density rank: Beech Bottom places 191st among West Virginia's places by people per square mile.
• Against the state median: Beech Bottom runs about 451 residents per square mile, where the West Virginia median is 1,021.
• Location: 40.2233 / -80.6579, per the US Census Bureau Gazetteer.
• Nearest larger cities: Tiltonsville (4 mi); Wellsburg (5 mi); West Liberty (5 mi); Bethany (5 mi); Yorkville (5 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Nearest smaller places: Windsor Heights (2 mi); Rayland (3 mi); New Alexandria (5 mi).
• Smaller places within 50 miles: 91 of them.
• Within 100 miles: 549 places are larger than Beech Bottom.

The anatomy of a Beech Bottom personal loan

In Beech Bottom, a small community of about 524, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a Beech Bottom lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Beech Bottom loan but raises total interest, so the smallest payment is not the cheapest loan.

Which West Virginia laws govern a loan in Beech Bottom

Read the table as a lender's compliance picture for Beech Bottom: the rule, the sourced figure, the publisher and the date.

Borrowing reach in Beech Bottom

With about 451 residents per square mile, Beech Bottom is lightly settled, and 203 larger Census places sit within 50 miles. Lenders licensed in West Virginia reach Beech Bottom's 524 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Tiltonsville, OH about 4 miles away.

What to do before borrowing in Beech Bottom

Before you hand your details to a lender in Beech Bottom, where the population is near 524:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Confirm the West Virginia licence with the regulator named above before committing.
5. Write down the purpose of the loan and your repayment plan before you apply.
6. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
7. Look for an origination fee or prepayment penalty in the written disclosure.

What differs between Beech Bottom and the rest of West Virginia is not the process but the borrower's own file, among the 524 people here.

Beech Bottom on the map

Inside Beech Bottom's boundaries lie roughly 1.2 square miles of land and 0.70 square miles of water. That land carries about 451 people per square mile. The state's population centre of gravity, Charleston, is roughly 140 miles away. Counting outward 50 miles, 203 larger communities surround Beech Bottom. Within the same 50 miles lie 91 smaller Census places.