Personal loans in Elk Garden, WV
To lend to Elk Garden's 207 residents, a company must hold a West Virginia licence, and each sourced row below names the regulator behind it. About 207 people live in Elk Garden, placing it 203rd of 230 Census places in West Virginia. A personal loan in Elk Garden is priced from your credit file and income, not from the fact that the city holds 207 people. From the 2020 Census base to the 2023 estimate, the population declined by about 2.4%. Use the calculator on this page to price an amount and term before you commit in Elk Garden. The next larger city is Kitzmiller, MD about 1 miles away.
Where Elk Garden stands
Only a few things actually differ by place — population, area, location, and the West Virginia rules a lender must follow — and they are below.
- Population: about 207 people live here, which puts Elk Garden 203rd of 230 Census places in West Virginia (Vintage 2023).
- Population trend: A drop of about 2.4% from 2020 to 2023.
- Change in people: the 2020-to-2023 comparison is a loss of about 5 residents.
- Size percentile: roughly 12% of West Virginia's places have fewer residents than Elk Garden's 207.
- Land and density: 0.3 square miles of land carry roughly 802 residents per square mile.
- Land area rank: Elk Garden's 0.3 square miles rank 216th of 230 places in West Virginia.
- State share: roughly 0.0% of West Virginia's residents live in Elk Garden (207 people).
- Nationally: Elk Garden is the 16,368th-largest of 19,457 Census places in the dataset.
- Growth rank: Elk Garden's 2020-to-2023 change ranks 86th of 230 places in West Virginia.
- Versus West Virginia: the state average change is -3.0%, while Elk Garden moved 2.4%.
- Density rank: Elk Garden places 149th among West Virginia's places by people per square mile.
- Density vs West Virginia: Elk Garden's 802 people per square mile compare with a state median of 1,021.
- Location: mapped by the US Census Bureau at 39.3862, -79.1556.
- Nearest larger cities: Kitzmiller (1 mi); Piedmont (9 mi); Westernport (9 mi); Deer Park (9 mi); Keyser (10 mi). Larger metros often have more branches, but online lenders reach Elk Garden on the same terms.
- Smaller places close by: Luke (8 mi); Bayard (14 mi); Addison (27 mi).
- Smaller neighbours: 15 places smaller than Elk Garden sit within 50 miles.
- Within 100 miles: 466 places are larger than Elk Garden.
How West Virginia law applies in Elk Garden
For the roughly 207 residents of Elk Garden, the rules below are West Virginia's own; each row carries its publisher and retrieval date.
| 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 |
| 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 |
| 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 |
What is available to Elk Garden borrowers
Elk Garden is moderately settled, with about 802 people per square mile and 66 larger places within 50 miles. What is available to Elk Garden's 207 borrowers is set by West Virginia licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Kitzmiller, MD about 1 miles away.
A practical checklist for Elk Garden borrowers
For Elk Garden's roughly 207 residents, these are the steps that most influence the offer:
- 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.
- Get several pre-qualifications and compare APR side by side before choosing.
- Make sure the lender appears in the West Virginia regulator's licence list.
- Keep the amount to the expense; an approval is not a reason to take more.
- Write down the purpose of the loan and your repayment plan before you apply.
- If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
What differs between Elk Garden and the rest of West Virginia is not the process but the borrower's own file, among the 207 people here.
Where Elk Garden sits in West Virginia
Among West Virginia's 230 places, Elk Garden sits at 203rd for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 86th of 230 West Virginia places, putting it near the 63th percentile for growth. At about 802 people per square mile, Elk Garden is the 149th most densely settled place in West Virginia. In land area, Elk Garden ranks 216th among West Virginia's 230 places.
Elk Garden: area, density and distance
Inside Elk Garden's boundaries lie about 0.3 square miles of land, with no significant water area recorded. With 207 residents, the land area yields roughly 802 people per square mile. The largest place in West Virginia, Charleston, lies about 151 miles away. Within 50 miles of Elk Garden there are 66 larger Census places. Within the same 50 miles lie 15 smaller Census places.
Common questions
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Nearby places
- Kitzmiller, MD — population 293
- Luke, MD — population 82
- Piedmont, WV — population 701
- Westernport, MD — population 1,777
- Deer Park, MD — population 302
- Keyser, WV — population 4,843
- Barton, MD — population 458
- Loch Lynn Heights, MD — population 485