Personal loans in Kingwood, WV

Kingwood: the sourced local profile

Two layers matter for a Kingwood borrower: the local population picture and West Virginia's consumer-lending statutes.

• Population: about 2,956 people live here, which puts Kingwood 39th of 230 Census places in West Virginia (Vintage 2023).
• Population trend: Lower by roughly 0.8% since the 2020 count.
• Change in people: the 2020-to-2023 comparison is a loss of about 24 residents.
• Size percentile: Kingwood sits ahead of around 83% of West Virginia places, at 2,956 people.
• Population density: about 1,216 people per square mile (Census land area 2.4 sq mi).
• Land area: Kingwood covers 2.4 square miles, the 43rd-largest area among West Virginia's 230 places.
• Share of state population: Kingwood's 2,956 residents are about 0.5% of West Virginia.
• National standing: Kingwood ranks 6,326th of 19,457 US places.
• Growth rank: Kingwood ranks 35th among West Virginia's 230 places for the 2020-to-2023 change.
• State comparison: West Virginia's places average -3.0% for 2020-to-2023, against Kingwood's 0.8%.
• Density rank: Kingwood is the 86th most densely settled place in West Virginia.
• Against the state median: Kingwood runs about 1,216 residents per square mile, where the West Virginia median is 1,021.
• Location: 39.4720 / -79.6822, per the US Census Bureau Gazetteer.
• Nearest larger cities: Morgantown (18 mi); Westover (20 mi); Grafton (20 mi); Fairmont (25 mi); Pleasant Valley (25 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Smaller towns nearby: Albright (3 mi); Tunnelton (6 mi); Reedsville (7 mi).
• Smaller places within 50 miles: 118 of them.
• At 100 miles: 143 larger Census places fall inside that radius.

A practical checklist for Kingwood borrowers

These steps shape the offer you get in Kingwood, a place of about 2,956 people:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Look the lender up in the West Virginia regulator's licence records before you sign.
5. Write down the purpose of the loan and your repayment plan before you apply.
6. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
7. Check the disclosure for fees that raise the true cost above the quoted rate.

What differs between Kingwood and the rest of West Virginia is not the process but the borrower's own file, among the 2,956 people here.

Where Kingwood sits in West Virginia

Among West Virginia's 230 places, Kingwood sits at 39th for population, a share of roughly 0.5% of the state. Its 2020-to-2023 change ranks 35th of 230 West Virginia places, putting it near the 85th percentile for growth. By density, at about 1,216 people per square mile, it ranks 86th in West Virginia. Between 2020 and 2023 the count changed by roughly 24 residents.

Kingwood: area, density and distance

Kingwood's land area is roughly 2.4 square miles, and the Gazetteer records no significant water area within it. That land carries about 1,216 people per square mile. The state's population centre of gravity, Charleston, is roughly 130 miles away. A 50-mile radius around Kingwood takes in 23 places that are larger. Within the same 50 miles lie 118 smaller Census places.

How personal loans work in Kingwood

In Kingwood, a small community of about 2,956, 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 Kingwood lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Kingwood loan is knowable in advance — unlike a revolving card balance.

West Virginia rules behind a Kingwood personal loan

This table holds the West Virginia rate and licensing rules for consumer loans made to Kingwood's 2,956 residents.