Personal loans in Poca, WV

In Poca, one of 230 Census places in West Virginia, the figure to compare across lenders is the APR, not the advertised rate. Consumer lending that reaches Poca's 864 residents is governed by West Virginia statute; no city ordinance changes it. Rate-shopping from Poca costs nothing at pre-qualification, where a soft pull leaves your credit file alone. The closest larger place is Nitro, WV about 4 miles away.

Poca: the sourced local profile

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

• Population: about 864, ranked 107th of 230 places in West Virginia (Census Vintage 2023 subcounty estimate).
• Population trend: About 1.1% below the 2020 Census base.
• Absolute change: 10 residents lost between 2020 and 2023.
• Size percentile: about 53% of West Virginia communities are smaller than Poca (864 residents).
• Population density: about 1,557 people per square mile across 0.6 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area: Poca covers 0.6 square miles, the 148th-largest area among West Virginia's 230 places.
• Water area rank: Poca ranks 27th among West Virginia's 230 places, with 0.17 sq mi.
• Share of West Virginia: Poca holds about 0.1% of the state's population, some 864 people.
• National rank: Poca is the 10,860th most populous of the 19,457 Census places covered here.
• Growth in West Virginia: Poca stands 47th by percentage change from 2020 to 2023, among 230 places.
• Versus West Virginia: the state average change is -3.0%, while Poca moved 1.1%.
• Density in West Virginia: Poca ranks 59th by people per square mile.
• Density in context: Poca's 1,557 people per square mile sit against a West Virginia median of 1,021.
• Location: 38.4744, -81.8119 (Census Gazetteer coordinates).
• Nearest larger cities: Nitro (4 mi); Winfield (5 mi); St. Albans (7 mi); Eleanor (7 mi); Dunbar (8 mi). A branch is convenient; it is not what sets your APR.
• Smaller places close by: Bancroft (3 mi); Leon (20 mi); West Hamlin (25 mi).
• Smaller neighbours: 38 places smaller than Poca sit within 50 miles.
• Within 100 miles: 138 places are larger than Poca.

What West Virginia law requires in Poca

This table holds the West Virginia rate and licensing rules for consumer loans made to Poca's 864 residents.

Land, water and location for Poca

Inside Poca's boundaries lie roughly 0.6 square miles of land and 0.17 square miles of water. With 864 residents, the land area yields roughly 1,557 people per square mile. For the state's biggest city, Charleston, the distance is roughly 13 miles. A 50-mile radius around Poca takes in 42 places that are larger. By land area it ranks 148th of 230 West Virginia places.

How a Poca personal loan is priced

A Poca personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 864 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Poca. The term you choose in Poca decides the split between a comfortable payment and the total interest you pay.

Poca against the rest of West Virginia

Within West Virginia, Poca holds roughly 0.1% of all residents, the 107th-largest share among 230 places. On the 2020-to-2023 trend, Poca stands 47th among West Virginia's 230 places — roughly the 80th percentile. By density, at about 1,557 people per square mile, it ranks 59th in West Virginia. Within 50 miles sit 38 smaller Census places, alongside the 42 that are larger.

How lenders reach Poca

With about 1,557 residents per square mile, Poca is moderately settled, and 42 larger Census places sit within 50 miles. Whether Poca has a local branch or not, a West Virginia-licensed lender can serve its 864 people online on the same terms. The nearest larger city, Nitro, WV about 4 miles away.