Fairview at a glance
- Population: the Census estimates 370 residents, ranking 171st of 230 places in West Virginia (Vintage 2023).
- 2020 Census base: 373 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a decline of roughly 0.8% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among West Virginia places: 171st of 230 by population (US Census Bureau, Vintage 2023).
- Size percentile: ahead of around 26% of West Virginia places in population terms (US Census Bureau).
- Coordinates: 39.5927 latitude, -80.2468 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Grant Town, WV (4 mi); Farmington, WV (6 mi); Mannington, WV (7 mi); Barrackville, WV (8 mi); Rivesville, WV (8 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Blacksville, WV (9 mi); Worthington, WV (9 mi); Hundred, WV (13 mi) (Census populations).
What a personal loan costs in Fairview
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
West Virginia lending rules that apply in Fairview
The West Virginia rate caps and licensing rules that reach Fairview are listed below, each with its source and retrieval date.
| 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 |
| 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 |
| Payday lending status | Traditional payday lending is generally prohibited; check cashers are regulated under W. Va. Code ch. 32A Source says: Traditional "Payday Lenders" are generally prohibited within this state. | 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 |
How to compare offers in Fairview
A few practical steps will make the process in Fairview less costly:
- 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 West Virginia using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.