Hinton at a glance
- Population: 2,142 — 56th in West Virginia, which has 230 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 2,249 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: down about 4.8% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among West Virginia places: 56th by size among 230 communities (US Census Bureau).
- Size percentile: about 76% of places in West Virginia are smaller (US Census Bureau).
- Coordinates: latitude 37.6746, longitude -80.8811 (US Census Bureau Gazetteer).
- Nearest larger cities: Beckley, WV (17 mi); Princeton, WV (24 mi); Pearisburg, VA (25 mi); Oak Hill, WV (26 mi); Lewisburg, WV (26 mi), each a US Census place with its estimated population.
- Nearest smaller places: Meadow Bridge, WV (13 mi); Alderson, WV (14 mi); Athens, WV (19 mi) (US Census Bureau estimates).
What a personal loan costs in Hinton
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
West Virginia lending rules that apply in Hinton
The table lists the West Virginia rules that apply to a loan made in Hinton, each with the regulator that published it.
| 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 Hinton
These steps are the ones that most affect the offer you receive in Hinton:
- 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.