Pineville at a glance
- Population: about 610 residents, ranking 137th of 230 Census places in West Virginia (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 645 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 5.4% below the 2020 Census base (US Census Bureau).
- Rank among West Virginia places: 137th in population of 230 places (US Census Bureau).
- Size percentile: larger than about 40% of the Census places in West Virginia (US Census Bureau).
- Coordinates: mapped at 37.5845, -81.5364 by the US Census Bureau Gazetteer.
- Nearest larger cities: Mullens, WV (8 mi); Oceana, WV (9 mi); Welch, WV (11 mi); Gary, WV (15 mi); Sophia, WV (18 mi); US Census Bureau population estimates.
- Smaller places nearby: Davy, WV (9 mi); Kimball, WV (11 mi); Keystone, WV (13 mi), per US Census Bureau estimates.
What a personal loan costs in Pineville
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
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.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest 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 Pineville
Each row below is a West Virginia rule with its publisher and the date it was retrieved.
| 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 Pineville
The order below is a sensible way to approach a loan in Pineville:
- 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.