Personal loans in Lost Creek, WV

If you are weighing a personal loan in Lost Creek, start from the payment you can carry; its 348 residents face the same statewide rules. About 348 people live in Lost Creek, placing it 172nd of 230 Census places in West Virginia.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

The trend for Lost Creek between 2020 and 2023 is downward by roughly 3.1%. Use the calculator on this page to price an amount and term before you commit in Lost Creek. The nearest larger metro is West Milford, WV about 4 miles away. Which products a lender may offer to Lost Creek's 348 residents follows from the West Virginia consumer-lending framework.

Lost Creek: population, trend and location

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

Where Lost Creek sits

Lost Creek covers about 1.0 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 358 people per square mile. Charleston, the largest place in West Virginia, is about 89 miles from Lost Creek. Within 50 miles of Lost Creek there are 58 larger Census places. The 100-mile radius contains 376 larger places.

Where Lost Creek sits in West Virginia

Set beside West Virginia's 230 places, Lost Creek ranks 172nd by population and holds about 0.1% of the state total. For population change between 2020 and 2023, Lost Creek ranks 116th of 230 in West Virginia (about the 50th percentile). Its roughly 358 residents per square mile place it 207th among West Virginia's places. In land area, Lost Creek ranks 106th among West Virginia's 230 places.

West Virginia consumer-lending rules applied in Lost Creek

Read the table as a lender's compliance picture for Lost Creek: the rule, the sourced figure, the publisher and the date.

RuleDetailSource
State lending regulatorWest 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 licensingRegulated 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 Lost Creek borrowers

Lost Creek is lightly settled, with about 358 people per square mile and 58 larger places within 50 miles. Lenders licensed in West Virginia reach Lost Creek's 348 residents online, so the nearest branch is not what sets your APR. The nearest larger city, West Milford, WV about 4 miles away.

What shapes a Lost Creek personal loan

Lost Creek is a small community of about 348 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The rate you see advertised is a range, not a promise, until a lender reviews your file in Lost Creek. Shortening the term on a Lost Creek loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Lost Creek if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Lost Creek is the same as anywhere in West Virginia.
What loan size can I expect in Lost Creek?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Lost Creek?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Lost Creek cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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