Northfork at a glance
- Population: about 208, 202nd by size in West Virginia of 230 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 232 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 10.3% lower than the 2020 Census base (US Census Bureau).
- Rank among West Virginia places: the 202nd-largest of 230 (US Census Bureau, 2023 estimate).
- Size percentile: about 12% of West Virginia's Census places are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 37.4196, -81.4274.
- Nearest larger cities: Kimball, WV (5 mi); Gary, WV (7 mi); Pocahontas, VA (9 mi); Welch, WV (9 mi); Bramwell, WV (9 mi); US Census Bureau population estimates.
- Nearest smaller places: Keystone, WV (1 mi); Anawalt, WV (6 mi); Davy, WV (12 mi) (US Census Bureau estimates).
What a personal loan costs in Northfork
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
West Virginia lending rules that apply in Northfork
The sourced rows below are the rules a licensed lender must follow when lending in West Virginia, and therefore in Northfork.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Northfork
These steps are the ones that most affect the offer you receive in Northfork:
- 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.