Quinwood at a glance
- Population: 213 (US Census Bureau, Vintage 2023 subcounty estimate), the 200th-largest of 230 places in West Virginia.
- 2020 Census base: the 2020 count put the population at 222 (US Census Bureau).
- 2020 to 2023 change: a decline of roughly 4.1% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among West Virginia places: 200th by size among 230 communities (US Census Bureau).
- Size percentile: roughly 13% of West Virginia's places have fewer residents (US Census Bureau).
- Coordinates: it sits at 38.0585, -80.7059 in the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Rupert, WV (7 mi); Rainelle, WV (7 mi); Richwood, WV (15 mi); Meadow Bridge, WV (16 mi); Summersville, WV (17 mi) (US Census Bureau).
- Nearest smaller places: Falling Spring, WV (20 mi); Thurmond, WV (21 mi); Camden-on-Gauley, WV (22 mi) (US Census Bureau estimates).
What a personal loan costs in Quinwood
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
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 longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
West Virginia lending rules that apply in Quinwood
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 Quinwood
The order below is a sensible way to approach a loan in Quinwood:
- 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.