Personal loans in Cairo, WV

The Census estimates 167 residents in Cairo, which ranks it 211th of 230 places in West Virginia. The closest larger city is Harrisville, WV about 6 miles away. From the 2020 Census base to the 2023 estimate, the population declined by about 4.6%. Every figure below is West Virginia's own, applied to Cairo's 167 residents, with the publisher and retrieval date attached. Begin with the payment, then weigh APR and total interest across the lenders that reach Cairo's 167 residents.

What the Census records for Cairo

Read the local figures below as context; read the sourced West Virginia table as the rulebook a lender here must follow.

• Population: an estimated 167 residents, 211th of 230 places in West Virginia (Census Vintage 2023 subcounty estimate).
• Population trend: The 2020-to-2023 change is negative, near 4.6%.
• People gained or lost: about 8 fewer since the 2020 base.
• Size percentile: about 8% of West Virginia communities are smaller than Cairo (167 residents).
• Density: roughly 354 residents per square mile, spread over 0.5 sq mi of land.
• By land area: Cairo ranks 169th among West Virginia's 230 places, at 0.5 sq mi.
• Water: Cairo holds about 0.01 square miles, the 109th-largest water area in West Virginia.
• Share of West Virginia: Cairo holds about 0.0% of the state's population, some 167 people.
• National rank: Cairo sits 16,992nd by population among the 19,457 places in this dataset.
• Growth in West Virginia: Cairo stands 180th by percentage change from 2020 to 2023, among 230 places.
• Versus West Virginia: the state average change is -3.0%, while Cairo moved 4.6%.
• Density rank: Cairo places 208th among West Virginia's places by people per square mile.
• Density in context: Cairo's 354 people per square mile sit against a West Virginia median of 1,021.
• Location: latitude 39.2073, longitude -81.1537 (Census Gazetteer).
• Nearest larger cities: Harrisville (6 mi); Ellenboro (7 mi); Pennsboro (11 mi); Belmont (13 mi); St. Marys (13 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Nearest smaller places: Pullman (11 mi); Auburn (18 mi); Friendly (22 mi).
• Within a 50-mile radius: 16 smaller Census places.
• Larger places within 100 miles: 402.

Cairo: area, density and distance

Cairo covers about 0.5 square miles of land, with 0.01 square miles of water inside its boundaries (Census Gazetteer). That land carries about 354 people per square mile. Charleston, the largest place in West Virginia, is about 65 miles from Cairo. Cairo has 64 larger places within a 50-mile radius. Within the same 50 miles lie 16 smaller Census places.

Steps to take before a Cairo loan

Before you hand your details to a lender in Cairo, where the population is near 167:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Model the payment on the calculator before a lender models it for you.
3. Shop at least three lenders and judge them on APR and total cost.
4. Verify the lender's West Virginia licence with the regulator listed on this page.
5. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
6. Decide the purpose and how you will repay it before approaching any lender.
7. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

What differs between Cairo and the rest of West Virginia is not the process but the borrower's own file, among the 167 people here.

How West Virginia law applies in Cairo

This table holds the West Virginia rate and licensing rules for consumer loans made to Cairo's 167 residents.

How personal loans work in Cairo

A Cairo personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 167 residents. Two numbers drive a Cairo loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Cairo loan is knowable in advance — unlike a revolving card balance.

What is available to Cairo borrowers

Cairo is lightly settled, with about 354 people per square mile and 64 larger places within 50 miles. A West Virginia licence lets a lender serve Cairo without a local office, so branch density does not change what its 167 residents are offered. The nearest bigger place is Harrisville, WV about 6 miles away.