Clintwood at a glance
- Population: 1,337 residents, the 118th-largest of 227 places in Virginia (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,382 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: population fell about 3.3% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Virginia places: 118th of 227 by population (US Census Bureau, Vintage 2023).
- Size percentile: it exceeds roughly 48% of Virginia's Census places by population (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 37.1530, -82.4599.
- Nearest larger cities: Jenkins, KY (10 mi); Wise, VA (14 mi); Coeburn, VA (14 mi); Norton, VA (18 mi); Whitesburg, KY (20 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Clinchco, VA (6 mi); Pound, VA (8 mi); Haysi, VA (10 mi) (US Census Bureau).
What a personal loan costs in Clintwood
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Virginia lending rules that apply in Clintwood
Read the table as the compliance picture for a lender serving Clintwood: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| Payday lending status | Legal via licensed short-term lenders; interest capped at a 36% simple annual rate plus limited fees (Va. Code § 6.2-1817) Source says: Interest at a simple annual rate not to exceed 36 percent | Virginia General Assembly (Code of Virginia) as of 2026-09-16 |
| Small-loan / installment lender licensing | Consumer finance license required from the State Corporation Commission (Va. Code § 6.2-1501) Source says: No person shall engage in the business of making loans to individuals for personal, family, household, or other nonbusiness purposes | Virginia General Assembly (Code of Virginia) as of 2026-09-16 |
| State lending regulator | Virginia State Corporation Commission, Bureau of Financial Institutions (BFI) Source says: The Bureau of Financial Institutions (BFI) is a regulatory division of the Virginia State Corporation Commission (SCC.) | Virginia State Corporation Commission (SCC) as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | 12% per year maximum contract rate, except as otherwise permitted by law (Va. Code § 6.2-303) Source says: no contract shall be made for the payment of interest on a loan at a rate that exceeds 12 percent per year | Virginia General Assembly (Code of Virginia) as of 2026-09-16 |
How to compare offers in Clintwood
Before you commit to a personal loan in Clintwood, work through these steps:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Virginia using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.