Personal loans in Ravenswood, WV

Personal loans in Ravenswood are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 3,819 population. About 3,819 people live in Ravenswood, placing it 32nd 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.

Census figures put the 2020-to-2023 decrease in Ravenswood at about 1.3%. Begin with the payment, then weigh APR and total interest across the lenders that reach Ravenswood's 3,819 residents. The closest larger place is Point Pleasant, WV about 21 miles away. For the 3,819 people in Ravenswood, West Virginia runs its own consumer-lending licensing, and the sourced table below lists the figures that apply.

Where Ravenswood stands

Ravenswood is a small community; the notes below cover its population profile and the statewide rules that apply.

Ravenswood's place among West Virginia's 230 places

Ravenswood is the 32nd-largest of 230 Census places in West Virginia and contains about 0.6% of the state's people. For population change between 2020 and 2023, Ravenswood ranks 49th of 230 in West Virginia (about the 79th percentile). By density, at about 2,102 people per square mile, it ranks 28th in West Virginia. In land area, Ravenswood ranks 59th among West Virginia's 230 places.

The geography behind Ravenswood

The Census Gazetteer records 1.8 square miles of land and 0.07 square miles of water within Ravenswood. With 3,819 residents, the land area yields roughly 2,102 people per square mile. For the state's biggest city, Charleston, the distance is roughly 43 miles. Counting outward 50 miles, 16 larger communities surround Ravenswood. The 100-mile radius contains 64 larger places.

How a Ravenswood personal loan is priced

In Ravenswood, a small community of about 3,819, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Ravenswood's rank of 32nd in West Virginia: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Ravenswood loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

The West Virginia lending rules that reach Ravenswood

West Virginia has no separate rate rule for Ravenswood; the sourced rows below are what reach every lender that serves its 3,819 people.

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

How lenders reach Ravenswood

Ravenswood is a fairly dense community of about 3,819 people, with 16 larger places inside a 50-mile radius. Lenders licensed in West Virginia reach Ravenswood's 3,819 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Point Pleasant, WV about 21 miles away.

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