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Personal loans in Lumberport, WV

Lenders active in Lumberport report to a West Virginia supervisor, identified in the sourced rows below. Lumberport is a small community of about 695 residents, and a personal loan taken out here is governed by West Virginia statute. With an estimated 695 residents, Lumberport is the 127th-largest of 230 places in West Virginia. Lumberport lost roughly 2.9% of its population across the 2020-to-2023 comparison. Rate-shopping from Lumberport costs nothing at pre-qualification, where a soft pull leaves your credit file alone. The closest larger place is Shinnston, WV about 3 miles away.

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

Compare loan offers Run the numbers first

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.

Where Lumberport stands

What follows is Lumberport's place in the Census record, alongside the West Virginia rules that govern a personal loan made here.

Which West Virginia laws govern a loan in Lumberport

Read the table as a lender's compliance picture for Lumberport: 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
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 statusTraditional 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

Land, water and location for Lumberport

Lumberport's land area is roughly 0.5 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 1,382 people per square mile. The state's population centre of gravity, Charleston, is roughly 99 miles away. Lumberport has 52 larger places within a 50-mile radius. The 100-mile radius contains 316 larger places.

What is available to Lumberport borrowers

With about 1,382 residents per square mile, Lumberport is moderately settled, and 52 larger Census places sit within 50 miles. Lenders licensed in West Virginia reach Lumberport's 695 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Shinnston, WV about 3 miles away.

Where Lumberport sits in West Virginia

Against West Virginia's other places, Lumberport accounts for about 0.1% of the state's population and ranks 127th of 230 by size. On the 2020-to-2023 trend, Lumberport stands 109th among West Virginia's 230 places — roughly the 53th percentile. By density, at about 1,382 people per square mile, it ranks 75th in West Virginia. The population moved by about 21 people between 2020 and 2023, a 2.9% shift.

How a Lumberport personal loan is priced

Most loans made to Lumberport's 695 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Lumberport loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Lumberport loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Compare personal loan offers Run the numbers first

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 Lumberport 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 Lumberport is the same as anywhere in West Virginia.
What loan size can I expect in Lumberport?
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 Lumberport?
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 Lumberport 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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