North Hills at a glance
- Population: 817 (US Census Bureau, Vintage 2023 subcounty estimate), the 115th-largest of 230 places in West Virginia.
- 2020 Census base: the 2020 Census recorded 835 residents here (US Census Bureau).
- 2020 to 2023 change: population fell about 2.2% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among West Virginia places: 115th by size among 230 communities (US Census Bureau).
- Size percentile: roughly 50% of places in West Virginia rank below it by population (US Census Bureau).
- Coordinates: 39.3151 / -81.5088, per the US Census Bureau Gazetteer.
- Nearest larger cities: Vienna, WV (1 mi); Parkersburg, WV (4 mi); Belpre, OH (5 mi); Williamstown, WV (6 mi); Marietta, OH (8 mi) — straight-line distances, US Census Bureau populations.
- Smaller places nearby: Lowell, OH (15 mi); Coolville, OH (17 mi); Lower Salem, OH (18 mi), per US Census Bureau estimates.
What a personal loan costs in North Hills
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
West Virginia lending rules that apply in North Hills
The table carries the West Virginia rate and licensing rules that apply to consumer loans made in North Hills.
| 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 North Hills
The order below is a sensible way to approach a loan in North Hills:
- 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.