Jane Lew at a glance
- Population: roughly 388 people; 164th of 230 places in West Virginia (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 406 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: roughly 4.4% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among West Virginia places: 164th by size among 230 communities (US Census Bureau).
- Size percentile: it is larger than about 29% of the places in West Virginia (US Census Bureau).
- Coordinates: 39.1108 / -80.4080, per the US Census Bureau Gazetteer.
- Nearest larger cities: Weston, WV (6 mi); West Milford, WV (6 mi); Stonewood, WV (11 mi); Nutter Fort, WV (11 mi); Clarksburg, WV (11 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Lost Creek, WV (5 mi); Flemington, WV (18 mi); Burnsville, WV (22 mi) (Census populations).
What a personal loan costs in Jane Lew
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
West Virginia lending rules that apply in Jane Lew
Read the table as the compliance picture for a lender serving Jane Lew: label, sourced figure, publisher and 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 Jane Lew
These steps are the ones that most affect the offer you receive in Jane Lew:
- 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.