Personal loans in Grant Town, WV
For a borrower among the roughly 674 residents of Grant Town, a personal loan is a tool whose cost turns on the terms, not the address. About 674 people live in Grant Town, placing it 132nd of 230 Census places in West Virginia.
A 2020-to-2023 comparison shows Grant Town down by about 1.9%. Rate ceilings, licensing requirements and product limits for Grant Town are all set at the West Virginia level. Begin with the payment, then weigh APR and total interest across the lenders that reach Grant Town's 674 residents. The nearest larger city is Rivesville, WV about 4 miles away.
Where Grant Town stands
Set out below is Grant Town's local context next to the state-level rules that reach every lender here.
- Population: about 674, ranked 132nd of 230 places in West Virginia (Census Vintage 2023 subcounty estimate).
- Population trend: Down about 1.9% from the 2020 Census base to the 2023 estimate.
- People gained or lost: about 13 fewer since the 2020 base.
- Size percentile: Grant Town sits ahead of around 43% of West Virginia places, at 674 people.
- Population density: 1,279 people per square mile on 0.5 square miles of land.
- Land area rank: Grant Town's 0.5 square miles rank 157th of 230 places in West Virginia.
- Water area rank: Grant Town ranks 105th among West Virginia's 230 places, with 0.01 sq mi.
- State population share: Grant Town accounts for about 0.1% of everyone in West Virginia.
- Nationally: Grant Town is the 11,961st-largest of 19,457 Census places in the dataset.
- Growth rank: Grant Town's 2020-to-2023 change ranks 65th of 230 places in West Virginia.
- State comparison: West Virginia's places average -3.0% for 2020-to-2023, against Grant Town's 1.9%.
- Density in West Virginia: Grant Town ranks 84th by people per square mile.
- Against the state median: Grant Town runs about 1,279 residents per square mile, where the West Virginia median is 1,021.
- Location: 39.5608, -80.1779 (US Census Bureau Gazetteer).
- Nearest larger cities: Rivesville (4 mi); Barrackville (4 mi); Fairmont (6 mi); Monongah (7 mi); Pleasant Valley (8 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller towns nearby: Fairview (4 mi); Farmington (5 mi); Worthington (8 mi).
- Within a 50-mile radius: 70 smaller Census places.
- Larger places within 100 miles: 345.
The West Virginia lending rules that reach Grant Town
The rows below set out what a licensed lender must follow in West Virginia, and so for Grant Town's roughly 674 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 |
| 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 |
| 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 |
Where Grant Town sits in West Virginia
Grant Town is the 132nd-largest of 230 Census places in West Virginia and contains about 0.1% of the state's people. Its 2020-to-2023 change ranks 65th of 230 West Virginia places, putting it near the 72th percentile for growth. Its roughly 1,279 residents per square mile place it 84th among West Virginia's places. Within 50 miles sit 70 smaller Census places, alongside the 86 that are larger.
Grant Town on the map
Grant Town's land area is about 0.5 square miles; a further 0.01 square miles is water. That land carries about 1,279 people per square mile. The state's population centre of gravity, Charleston, is roughly 115 miles away. Counting outward 50 miles, 86 larger communities surround Grant Town. Within the same 50 miles lie 70 smaller Census places.
What a Grant Town borrower is actually offered
Grant Town is a small community of about 674 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Grant Town 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 Grant Town loan is knowable in advance — unlike a revolving card balance.
How lenders reach Grant Town
Grant Town is a moderately settled community of about 674 people, with 86 larger places inside a 50-mile radius. What is available to Grant Town's 674 borrowers is set by West Virginia licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Rivesville, WV about 4 miles away.
Common questions
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Nearby places
- Barrackville, WV — population 1,201
- Rivesville, WV — population 813
- Fairview, WV — population 370
- Farmington, WV — population 398
- Fairmont, WV — population 18,155
- Pleasant Valley, WV — population 3,483
- Monongah, WV — population 1,039
- Worthington, WV — population 175