Personal loans in Sutton, WV
The roughly 836 people who live in Sutton borrow under West Virginia rules; city hall sets no personal-loan rate. For a community of about 836, the practical step is to compare APR across at least three lenders before committing. At about 836 residents, Sutton is larger than roughly 52% of the places in West Virginia. A single loan can carry different costs on either side of a state line, and Sutton sits on the West Virginia side of that line. A 2020-to-2023 comparison shows Sutton down by about 3.2%. The closest larger city is Glenville, WV about 20 miles away.
Sutton: population, trend and location
Sutton is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: 836 people, a figure that places Sutton 111th among the 230 Census places in West Virginia (US Census Bureau, Vintage 2023).
- Population trend: Roughly 3.2% fewer residents than the 2020 Census counted.
- Absolute change: 28 residents lost between 2020 and 2023.
- Size percentile: about 52% of West Virginia's Census places are smaller than Sutton.
- Population density: about 1,076 people per square mile across 0.8 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area rank: Sutton's 0.8 square miles rank 122nd of 230 places in West Virginia.
- Water area: Sutton has 0.04 square miles of water, ranking 67th of 230 places in West Virginia.
- Share of West Virginia: Sutton holds about 0.1% of the state's population, some 836 people.
- National rank: Sutton sits 10,995th by population among the 19,457 places in this dataset.
- Growth rank: Sutton ranks 122nd among West Virginia's 230 places for the 2020-to-2023 change.
- State comparison: West Virginia's places average -3.0% for 2020-to-2023, against Sutton's 3.2%.
- Density in West Virginia: Sutton ranks 105th by people per square mile.
- Against the state median: Sutton runs about 1,076 residents per square mile, where the West Virginia median is 1,021.
- Location: 38.6678, -80.7135 (Census Gazetteer coordinates).
- Nearest larger cities: Glenville (20 mi); Summersville (27 mi); Weston (29 mi); Richwood (32 mi); Buckhannon (34 mi). Lenders licensed in the state serve Sutton whether or not they keep a local branch.
- Nearest smaller towns: Gassaway (3 mi); Flatwoods (5 mi); Burnsville (13 mi) — useful context for the surrounding area.
- Smaller places within 50 miles: 34 of them.
- Within 100 miles: 133 places are larger than Sutton.
Sutton on the map
Sutton's land area is about 0.8 square miles; a further 0.04 square miles is water. Spread across it are roughly 1,076 residents per square mile. The largest place in West Virginia, Charleston, lies about 54 miles away. Within 50 miles of Sutton there are 22 larger Census places. The 100-mile radius contains 133 larger places.
What shapes a Sutton personal loan
In Sutton, a small community of about 836, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Sutton can be quoted different APRs on the same amount and term. Shortening the term on a Sutton loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Before you apply in Sutton
Before you hand your details to a lender in Sutton, where the population is near 836:
- Pull your credit reports first and correct any error before a lender sees the file.
- Model the payment on the calculator before a lender models it for you.
- Gather at least three pre-qualified offers and line up the APR, not the headline rate.
- Verify the lender's West Virginia licence with the regulator listed on this page.
- Look for an origination fee or prepayment penalty in the written disclosure.
- Test the payment against your current bills before you commit.
- Weigh a shorter term's higher payment against the interest it saves.
What differs between Sutton and the rest of West Virginia is not the process but the borrower's own file, among the 836 people here.
West Virginia rules behind a Sutton personal loan
This table holds the West Virginia rate and licensing rules for consumer loans made to Sutton's 836 residents.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | West 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 |
| Small-loan / installment lender licensing | Regulated consumer lender license required from the Commissioner (W. Va. Code § 46A-4-101) Source says: Unless a person has first obtained a license from the commissioner authorizing the person to make regulated consumer loans | West Virginia Legislature (West Virginia Code) 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 |
How lenders reach Sutton
Sutton is moderately settled, with about 1,076 people per square mile and 22 larger places within 50 miles. Lenders licensed in West Virginia reach Sutton's 836 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Glenville, WV about 20 miles away.
Common questions
What are my options in Sutton if my credit is poor?
What loan size can I expect in Sutton?
Do I have to pledge anything to borrow in Sutton?
Does comparing loans in Sutton cost me credit score points?
Nearby places
- Gassaway, WV — population 734
- Flatwoods, WV — population 257
- Burnsville, WV — population 380
- Sand Fork, WV — population 175
- Glenville, WV — population 1,079
- Cowen, WV — population 469
- Camden-on-Gauley, WV — population 122
- Addison (Webster Springs), WV — population 689