Kenova at a glance
- Population: 2,897 — 42nd in West Virginia, which has 230 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 3,036 (US Census Bureau).
- 2020 to 2023 change: a loss of about 4.6% since the 2020 count (US Census Bureau).
- Rank among West Virginia places: 42nd of 230 by population (US Census Bureau, Vintage 2023).
- Size percentile: about 82% of places in West Virginia are smaller (US Census Bureau).
- Coordinates: 38.4022, -82.5821 (Census Gazetteer, US Census Bureau).
- Nearest larger cities within 120 miles: South Point, OH (1 mi); Ashland, KY (5 mi); Huntington, WV (8 mi); Russell, KY (10 mi); Ironton, OH (10 mi) (US Census Bureau).
- Nearest smaller places: Catlettsburg, KY (2 mi); Ceredo, WV (2 mi); Coal Grove, OH (7 mi) (US Census Bureau estimates).
What a personal loan costs in Kenova
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
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.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
West Virginia lending rules that apply in Kenova
The sourced rows below are the rules a licensed lender must follow when lending in West Virginia, and therefore in Kenova.
| 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 Kenova
A few practical steps will make the process in Kenova 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.