Personal loans in Clendenin, WV
A lender that serves Clendenin operates under West Virginia lending statutes and a West Virginia supervisor. If you are weighing a personal loan in Clendenin, start from the payment you can carry; its 862 residents face the same statewide rules. With an estimated 862 residents, Clendenin is the 108th-largest of 230 places in West Virginia. From the 2020 Census base to the 2023 estimate, the population rose by about 0.9%. Work out your debt-to-income ratio first; lenders weigh it heavily, and Clendenin's 862 residents are no exception. A larger market lies at Charleston, WV about 18 miles away.
Local context for Clendenin
The figures below are Clendenin's own — Census population, land area and coordinates — followed by the West Virginia rules.
- Population: 862 people, a figure that places Clendenin 108th among the 230 Census places in West Virginia (US Census Bureau, Vintage 2023).
- Population trend: Roughly 0.9% more residents than the 2020 Census counted.
- Change in people: the 2020-to-2023 comparison is a gain of about 8 residents.
- Size percentile: about 53% of West Virginia's Census places are smaller than Clendenin.
- Land and density: 1.4 square miles of land carry roughly 598 residents per square mile.
- Land area rank: Clendenin's 1.4 square miles rank 69th of 230 places in West Virginia.
- Water area: Clendenin has 0.08 square miles of water, ranking 41st of 230 places in West Virginia.
- State population share: Clendenin accounts for about 0.1% of everyone in West Virginia.
- National rank: Clendenin sits 10,867th by population among the 19,457 places in this dataset.
- Growth in West Virginia: Clendenin stands 12th by percentage change from 2020 to 2023, among 230 places.
- Against the state trend: Clendenin's 0.9% change compares with a West Virginia average of -3.0% across its 230 places.
- Density rank: Clendenin places 177th among West Virginia's places by people per square mile.
- Against the state median: Clendenin runs about 598 residents per square mile, where the West Virginia median is 1,021.
- Location: 38.4845, -81.3515 (Census Gazetteer coordinates).
- Nearest larger cities: Charleston (18 mi); Belle (20 mi); Marmet (20 mi); Chesapeake (21 mi); Montgomery (22 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller towns nearby: Clay (15 mi); Cedar Grove (19 mi); Glasgow (19 mi).
- Smaller places within 50 miles: 32 of them.
- Larger places within 100 miles: 137.
A practical checklist for Clendenin borrowers
These steps shape the offer you get in Clendenin, a place of about 862 people:
- Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
- Model the payment on the calculator before a lender models it for you.
- Gather at least three pre-qualified offers and line up the APR, not the headline rate.
- Confirm the lender holds a West Virginia licence by checking the regulator named above.
- If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
- Look for an origination fee or prepayment penalty in the written disclosure.
- Test the payment against your current bills before you commit.
None of these steps is Clendenin-specific: the same West Virginia licensing and disclosure rules reach all 862 residents.
West Virginia rules behind a Clendenin personal loan
The rows below set out what a licensed lender must follow in West Virginia, and so for Clendenin's roughly 862 residents.
| 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 |
| 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 |
| Small-loan / installment lender licensing | Regulated consumer lender license required from the Commissioner (W. Va. Code § 46A-4-101) Source says: Unless a person has first obtained a license from the commissioner authorizing the person to make regulated consumer loans | West Virginia Legislature (West Virginia Code) as of 2026-09-16 |
Clendenin's place among West Virginia's 230 places
Set beside West Virginia's 230 places, Clendenin ranks 108th by population and holds about 0.1% of the state total. Its 2020-to-2023 change ranks 12th of 230 West Virginia places, putting it near the 95th percentile for growth. By density, at about 598 people per square mile, it ranks 177th in West Virginia. By land area, its 1.4 square miles rank 69th of 230 places in West Virginia.
Getting a loan in Clendenin
Clendenin is a moderately settled community of about 862 people, with 30 larger places inside a 50-mile radius. A West Virginia licence lets a lender serve Clendenin without a local office, so branch density does not change what its 862 residents are offered. The nearest larger city, Charleston, WV about 18 miles away.
Clendenin on the map
Inside Clendenin's boundaries lie roughly 1.4 square miles of land and 0.08 square miles of water. That land carries about 598 people per square mile. The largest place in West Virginia, Charleston, lies about 18 miles away. Clendenin has 30 larger places within a 50-mile radius. Within the same 50 miles lie 32 smaller Census places.
Common questions
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What loan size can I expect in Clendenin?
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Does comparing loans in Clendenin cost me credit score points?
Nearby places
- Clay, WV — population 375
- Cedar Grove, WV — population 691
- Pratt, WV — population 461
- Glasgow, WV — population 684
- East Bank, WV — population 791
- Handley, WV — population 214
- Belle, WV — population 1,106
- Charleston, WV — population 46,838