Lost Creek at a glance
- Population: 348 (US Census Bureau, Vintage 2023 subcounty estimate), the 172nd-largest of 230 places in West Virginia.
- 2020 Census base: 359 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 3.1% below the 2020 Census base (US Census Bureau).
- Rank among West Virginia places: the 172nd-largest of 230 (US Census Bureau, 2023 estimate).
- Size percentile: it exceeds roughly 25% of West Virginia's Census places by population (US Census Bureau).
- Coordinates: 39.1627, -80.3484 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: West Milford, WV (4 mi); Jane Lew, WV (5 mi); Stonewood, WV (6 mi); Nutter Fort, WV (7 mi); Anmoore, WV (7 mi) (Census populations, approximate straight-line distance).
- Smaller towns nearby: Flemington, WV (14 mi); Worthington, WV (21 mi); Smithfield, WV (26 mi) (US Census Bureau).
What a personal loan costs in Lost Creek
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
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 Lost Creek
Each row below is a West Virginia rule with its publisher and the date it was retrieved.
| 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 Lost Creek
Before you commit to a personal loan in Lost Creek, work through these steps:
- 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.