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Personal loans in Hurricane, WV

A personal loan in Hurricane is an unsecured installment loan for consolidation or a planned expense, and what it costs follows your credit, income and debts. About 6,806 people live in Hurricane, which ranks 20th of 230 Census places in West Virginia. The rate caps and licensing requirements that apply to a lender in West Virginia are set out in the sourced table below.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Hurricane at a glance

  • Population: 6,806 — 20th in West Virginia, which has 230 Census places (US Census Bureau, Vintage 2023).
  • 2020 Census base: 6,966 people (US Census Bureau, 2020 Census count).
  • 2020 to 2023 change: about 2.3% lower than the 2020 Census base (US Census Bureau).
  • Rank among West Virginia places: 20th out of 230 Census places (US Census Bureau).
  • Size percentile: it exceeds roughly 91% of West Virginia's Census places by population (US Census Bureau).
  • Coordinates: 38.4275 latitude, -82.0181 longitude (US Census Bureau Gazetteer).
  • Nearest larger cities: St. Albans, WV (11 mi); Dunbar, WV (16 mi); South Charleston, WV (18 mi); Charleston, WV (22 mi); Huntington, WV (23 mi) (Census populations, approximate straight-line distance).
  • Nearest smaller communities: Milton, WV (6 mi); Eleanor, WV (9 mi); Winfield, WV (10 mi), each a US Census place.

What a personal loan costs in Hurricane

A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.

Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.

Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.

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 Hurricane

Read the table as the compliance picture for a lender serving Hurricane: label, sourced figure, publisher and date.

RuleDetailSource
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 statusTraditional 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 licensingRegulated 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 regulatorWest 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

How to compare offers in Hurricane

The order below is a sensible way to approach a loan in Hurricane:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in West Virginia using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Hurricane?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Hurricane are the same as elsewhere in West Virginia.
How much can I borrow with a personal loan in Hurricane?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Hurricane require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Hurricane hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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