Personal loans in Thomas, WV

Thomas: population, trend and location

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

• Population: an estimated 602 residents, 139th of 230 places in West Virginia (Census Vintage 2023 subcounty estimate).
• Population trend: Down about 0.8% from the 2020 Census base to the 2023 estimate.
• People gained or lost: about 5 fewer since the 2020 base.
• Size percentile: roughly 40% of West Virginia's places have fewer residents than Thomas's 602.
• Density: roughly 173 residents per square mile, spread over 3.5 sq mi of land.
• Land area rank: Thomas's 3.5 square miles rank 30th of 230 places in West Virginia.
• Water area: Thomas has 0.05 square miles of water, ranking 65th of 230 places in West Virginia.
• State share: roughly 0.1% of West Virginia's residents live in Thomas (602 people).
• National rank: Thomas is 12,425th of 19,457 places nationwide.
• Growth rank: Thomas ranks 37th among West Virginia's 230 places for the 2020-to-2023 change.
• Against the state trend: Thomas's 0.8% change compares with a West Virginia average of -3.0% across its 230 places.
• Density rank: Thomas is the 228th most densely settled place in West Virginia.
• Against the state median: Thomas runs about 173 residents per square mile, where the West Virginia median is 1,021.
• Location: it lies at 39.1532, -79.4933 in the Census Gazetteer.
• Nearest larger cities: Parsons (11 mi); Mountain Lake Park (18 mi); Oakland (19 mi); Terra Alta (20 mi); Petersburg (22 mi). A branch is convenient; it is not what sets your APR.
• Nearest smaller towns: Davis (2 mi); Hendricks (9 mi); Hambleton (10 mi) — useful context for the surrounding area.
• Within a 50-mile radius: 42 smaller Census places.
• Within 100 miles: 291 places are larger than Thomas.

A pre-application checklist for Thomas

Before you hand your details to a lender in Thomas, where the population is near 602:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Test your amount and term in the personal loan calculator first.
3. Shop at least three lenders and judge them on APR and total cost.
4. Look the lender up in the West Virginia regulator's licence records before you sign.
5. Test the payment against your current bills before you commit.
6. Choose a term you can live with; stretching it lowers the payment but raises total interest.
7. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

In Thomas as elsewhere in West Virginia, the written terms — not the advertisement — are what count for its 602 residents.

How a Thomas personal loan is priced

In Thomas, a small community of about 602, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The rate you see advertised is a range, not a promise, until a lender reviews your file in Thomas. Shortening the term on a Thomas loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

What West Virginia law requires in Thomas

Below are the West Virginia rules that apply to a loan made in Thomas, each with the regulator that issued it.

Where Thomas sits in West Virginia

Set beside West Virginia's 230 places, Thomas ranks 139th by population and holds about 0.1% of the state total. On the 2020-to-2023 trend, Thomas stands 37th among West Virginia's 230 places — roughly the 84th percentile. By density, at about 173 people per square mile, it ranks 228th in West Virginia. Between 2020 and 2023 the count changed by roughly 5 residents.

Where Thomas sits

The Census Gazetteer records 3.5 square miles of land and 0.05 square miles of water within Thomas. That land carries about 173 people per square mile. Charleston, the largest place in West Virginia, is about 128 miles from Thomas. Counting outward 50 miles, 42 larger communities surround Thomas. By land area it ranks 30th of 230 West Virginia places.