Lumberport at a glance
- Population: about 695, 127th by size in West Virginia of 230 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 716 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: a loss of about 2.9% since the 2020 count (US Census Bureau).
- Rank among West Virginia places: 127th largest of 230 (US Census Bureau).
- Size percentile: roughly 45% of West Virginia's places have fewer residents (US Census Bureau).
- Coordinates: 39.3742, -80.3483 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Shinnston, WV (3 mi); Clarksburg, WV (7 mi); Bridgeport, WV (7 mi); Nutter Fort, WV (8 mi); Stonewood, WV (9 mi) (US Census Bureau).
- Nearest smaller communities: Worthington, WV (7 mi); Anmoore, WV (9 mi); Farmington, WV (11 mi), each a US Census place.
What a personal loan costs in Lumberport
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
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 offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
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 Lumberport
Read the table as the compliance picture for a lender serving Lumberport: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Lumberport
Before you share your details with a lender in Lumberport:
- 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.