Personal loans in Smithfield, WV

With an estimated 96 residents, Smithfield is the 225th-largest of 230 places in West Virginia. The nearest larger city is Pine Grove, WV about 8 miles away. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Smithfield's 96 residents. If debt is already a strain, a nonprofit credit counsellor can help Smithfield residents before they take on more.

The Smithfield data picture

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

• Population: an estimated 96 residents, 225th of 230 places in West Virginia (Census Vintage 2023 subcounty estimate).
• Population trend: About 5.9% below the 2020 Census base.
• Change in people: the 2020-to-2023 comparison is a loss of about 6 residents.
• Size percentile: about 2% of West Virginia's Census places are smaller than Smithfield.
• Population density: about 329 people per square mile (Census land area 0.3 sq mi).
• Land area: Smithfield covers 0.3 square miles, the 211th-largest area among West Virginia's 230 places.
• State share: roughly 0.0% of West Virginia's residents live in Smithfield (96 people).
• National standing: Smithfield ranks 18,202nd of 19,457 US places.
• Growth rank: Smithfield's 2020-to-2023 change ranks 208th of 230 places in West Virginia.
• Versus West Virginia: the state average change is -3.0%, while Smithfield moved 5.9%.
• Density rank: Smithfield places 211th among West Virginia's places by people per square mile.
• Against the state median: Smithfield runs about 329 residents per square mile, where the West Virginia median is 1,021.
• Location: mapped by the US Census Bureau at 39.4949, -80.5600.
• Nearest larger cities: Pine Grove (8 mi); Mannington (12 mi); Lumberport (14 mi); Hundred (14 mi); Salem (15 mi). Lenders licensed in the state serve Smithfield whether or not they keep a local branch.
• Nearest smaller towns: Friendly (27 mi); Antioch (29 mi); Auburn (32 mi).
• Smaller neighbours: 8 places smaller than Smithfield sit within 50 miles.
• Larger places within 100 miles: 568.

West Virginia consumer-lending rules applied in Smithfield

These are West Virginia's sourced lending facts as they reach Smithfield's 96 residents; the state has no city-level rate rule.

Borrowing reach in Smithfield

At roughly 329 people per square mile, Smithfield is lightly settled; 117 larger places lie within 50 miles. Whether Smithfield has a local branch or not, a West Virginia-licensed lender can serve its 96 people online on the same terms. The nearest larger city, Pine Grove, WV about 8 miles away.

The Smithfield borrowing checklist

Before you hand your details to a lender in Smithfield, where the population is near 96:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Shop at least three lenders and judge them on APR and total cost.
4. Verify the lender's West Virginia licence with the regulator listed on this page.
5. Read the disclosure for an origination fee and any prepayment penalty before signing.
6. Test the payment against your current bills before you commit.
7. Weigh a shorter term's higher payment against the interest it saves.

None of these steps is Smithfield-specific: the same West Virginia licensing and disclosure rules reach all 96 residents.

Smithfield against the rest of West Virginia

Among West Virginia's 230 places, Smithfield sits at 225th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 208th of 230 West Virginia places, putting it near the 10th percentile for growth. Its roughly 329 residents per square mile place it 211th among West Virginia's places. Between 2020 and 2023 the count changed by roughly 6 residents.

How personal loans work in Smithfield

A Smithfield personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 96 residents. Because pricing is borrower-level, two people in Smithfield can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Smithfield loan is knowable in advance — unlike a revolving card balance.