Personal loans in Reedy, WV

With an estimated 147 residents, Reedy is the 216th-largest of 230 places in West Virginia. Begin with the payment, then weigh APR and total interest across the lenders that reach Reedy's 147 residents. For the 147 people in Reedy, West Virginia runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. The nearest larger metro is Spencer, WV about 8 miles away.

What the Census records for Reedy

Most of what governs a Reedy loan is written in West Virginia law rather than in the city; the sourced notes below make that split concrete.

• Population: a Census-estimated 147, 216th among West Virginia's 230 places (Vintage 2023).
• Population trend: A loss of roughly 3.3% between 2020 and 2023.
• Absolute change: 5 residents lost between 2020 and 2023.
• Size percentile: Reedy's 147 people outrank roughly 6% of the places in West Virginia.
• Population density: about 754 people per square mile across 0.2 square miles of land (Census Gazetteer area, Vintage 2023 population).
• By land area: Reedy ranks 222nd among West Virginia's 230 places, at 0.2 sq mi.
• Within West Virginia: about 0.0% of the state's population lives in Reedy.
• National rank: Reedy sits 17,324th by population among the 19,457 places in this dataset.
• Growth rank: Reedy ranks 125th among West Virginia's 230 places for the 2020-to-2023 change.
• Versus West Virginia: the state average change is -3.0%, while Reedy moved 3.3%.
• Density in West Virginia: Reedy ranks 154th by people per square mile.
• Density vs West Virginia: Reedy's 754 people per square mile compare with a state median of 1,021.
• Location: 38.8997, -81.4263 (Census Gazetteer coordinates).
• Nearest larger cities: Spencer (8 mi); Elizabeth (11 mi); Ripley (16 mi); Grantsville (18 mi); Ravenswood (18 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Smaller places nearby: Leon (30 mi); Pullman (32 mi); Auburn (33 mi).
• Smaller places within 50 miles: 7 of them.
• Within 100 miles: 322 places are larger than Reedy.

How lenders reach Reedy

At roughly 754 people per square mile, Reedy is moderately settled; 68 larger places lie within 50 miles. What is available to Reedy's 147 borrowers is set by West Virginia licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Spencer, WV about 8 miles away.

Inside a Reedy personal loan

A Reedy personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 147 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Reedy. A longer term lowers the monthly payment on a Reedy loan but raises total interest, so the smallest payment is not the cheapest loan.

Before you apply in Reedy

Before you hand your details to a lender in Reedy, where the population is near 147:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Check the West Virginia regulator's records to confirm the lender is licensed here.
5. Write down the purpose of the loan and your repayment plan before you apply.
6. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
7. Read the disclosure for an origination fee and any prepayment penalty before signing.

In Reedy as elsewhere in West Virginia, the written terms — not the advertisement — are what count for its 147 residents.

Where Reedy sits

The Census Gazetteer records about 0.2 square miles of land within Reedy, with no significant water area listed. That land carries about 754 people per square mile. For the state's biggest city, Charleston, the distance is roughly 40 miles. Reedy has 68 larger places within a 50-mile radius. Within the same 50 miles lie 7 smaller Census places.

Which West Virginia laws govern a loan in Reedy

The rows below set out what a licensed lender must follow in West Virginia, and so for Reedy's roughly 147 residents.