Flemington at a glance
- Population: about 304, 179th by size in West Virginia of 230 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 310 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: down roughly 1.9% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among West Virginia places: 179th largest of 230 (US Census Bureau).
- Size percentile: about 22% of places in West Virginia are smaller (US Census Bureau).
- Coordinates: mapped at 39.2666, -80.1285 by the US Census Bureau Gazetteer.
- Nearest larger cities: Bridgeport, WV (7 mi); Grafton, WV (8 mi); Anmoore, WV (9 mi); Philippi, WV (9 mi); Stonewood, WV (10 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller communities: Worthington, WV (15 mi); Newburg, WV (17 mi); Montrose, WV (22 mi) (Census populations).
What a personal loan costs in Flemington
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
West Virginia lending rules that apply in Flemington
The sourced rows below are the rules a licensed lender must follow when lending in West Virginia, and therefore in Flemington.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Flemington
The order below is a sensible way to approach a loan in Flemington:
- 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.