Keystone at a glance
- Population: 157 residents, the 213th-largest of 230 places in West Virginia (US Census Bureau, Vintage 2023).
- 2020 Census base: 176 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 10.8% below the 2020 Census base (US Census Bureau).
- Rank among West Virginia places: 213th of the state's 230 Census places (US Census Bureau).
- Size percentile: larger than about 7% of the Census places in West Virginia (US Census Bureau).
- Coordinates: 37.4158 latitude, -81.4462 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Northfork, WV (1 mi); Kimball, WV (4 mi); Gary, WV (6 mi); Welch, WV (8 mi); Pocahontas, VA (9 mi), each a US Census place with its estimated population.
- Nearest smaller places: Anawalt, WV (5 mi); Oakvale, WV (27 mi); Glen Lyn, VA (32 mi) (US Census Bureau estimates).
What a personal loan costs in Keystone
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
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 Keystone
The sourced rows below are the rules a licensed lender must follow when lending in West Virginia, and therefore in Keystone.
| 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 Keystone
These steps are the ones that most affect the offer you receive in Keystone:
- 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.