Matewan at a glance
- Population: 381 — 166th in West Virginia, which has 230 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 413 residents here (US Census Bureau).
- 2020 to 2023 change: a decline of roughly 7.7% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among West Virginia places: the 166th-largest of 230 (US Census Bureau, 2023 estimate).
- Size percentile: ahead of around 28% of West Virginia places in population terms (US Census Bureau).
- Coordinates: mapped at 37.6223, -82.1593 by the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Delbarton, WV (6 mi); Williamson, WV (7 mi); Man, WV (17 mi); Logan, WV (18 mi); Coal Run Village, KY (22 mi) (US Census Bureau populations).
- Nearest smaller places: Gilbert, WV (16 mi); West Logan, WV (19 mi); Kermit, WV (20 mi) (US Census Bureau estimates).
What a personal loan costs in Matewan
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
West Virginia lending rules that apply in Matewan
The table lists the West Virginia rules that apply to a loan made in Matewan, each with the regulator that published it.
| 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 Matewan
Before you commit to a personal loan in Matewan, 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.