Personal loans in Smithers, WV

Where Smithers stands

Only a few things actually differ by place — population, area, location, and the West Virginia rules a lender must follow — and they are below.

• Population: 709 — Smithers ranks 122nd of 230 communities in West Virginia (US Census Bureau, Vintage 2023).
• Population trend: Lower by roughly 4.6% since the 2020 count.
• Change in people: the 2020-to-2023 comparison is a loss of about 34 residents.
• Size percentile: Smithers sits ahead of around 47% of West Virginia places, at 709 people.
• Population density: about 492 people per square mile (Census land area 1.4 sq mi).
• Land area rank: Smithers's 1.4 square miles rank 70th of 230 places in West Virginia.
• Water area: Smithers has 0.18 square miles of water, ranking 25th of 230 places in West Virginia.
• Share of state population: Smithers's 709 residents are about 0.1% of West Virginia.
• National standing: Smithers ranks 11,750th of 19,457 US places.
• Growth rank: Smithers's 2020-to-2023 change ranks 182nd of 230 places in West Virginia.
• Against the state trend: Smithers's 4.6% change compares with a West Virginia average of -3.0% across its 230 places.
• Density in West Virginia: Smithers ranks 184th by people per square mile.
• Density vs West Virginia: Smithers's 492 people per square mile compare with a state median of 1,021.
• Location: 38.1658, -81.2975 (US Census Bureau Gazetteer).
• Nearest larger cities: Montgomery (1 mi); East Bank (9 mi); Ansted (11 mi); Fayetteville (12 mi); Chesapeake (14 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Smaller communities within reach: Handley (5 mi); Gauley Bridge (5 mi); Pratt (6 mi).
• Smaller places within 50 miles: 22 of them.
• Larger places within 100 miles: 148.

Smithers: area, density and distance

Smithers's land area is about 1.4 square miles; a further 0.18 square miles is water. That land carries about 492 people per square mile. The state's population centre of gravity, Charleston, is roughly 22 miles away. Within 50 miles of Smithers there are 40 larger Census places. The 100-mile radius contains 148 larger places.

How West Virginia law applies in Smithers

These are West Virginia's sourced lending facts as they reach Smithers's 709 residents; the state has no city-level rate rule.

What is available to Smithers borrowers

Smithers is a lightly settled community of about 709 people, with 40 larger places inside a 50-mile radius. What is available to Smithers's 709 borrowers is set by West Virginia licensing and your own credit, not by how many branches are nearby. The nearest larger city, Montgomery, WV about 1 miles away.

Smithers's place among West Virginia's 230 places

Against West Virginia's other places, Smithers accounts for about 0.1% of the state's population and ranks 122nd of 230 by size. For population change between 2020 and 2023, Smithers ranks 182nd of 230 in West Virginia (about the 21th percentile). At about 492 people per square mile, Smithers is the 184th most densely settled place in West Virginia. Within 50 miles sit 22 smaller Census places, alongside the 40 that are larger.

How personal loans work in Smithers

Smithers is a small community of about 709 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Smithers lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Smithers loan but raises total interest, so the smallest payment is not the cheapest loan.