Ronceverte at a glance
- Population: the Census estimates 1,531 residents, ranking 69th of 230 places in West Virginia (Vintage 2023).
- 2020 Census base: 1,574 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a loss of about 2.7% since the 2020 count (US Census Bureau).
- Rank among West Virginia places: 69th largest of 230 (US Census Bureau).
- Size percentile: about 70% of places in West Virginia are smaller (US Census Bureau).
- Coordinates: 37.7511 latitude, -80.4698 longitude (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Lewisburg, WV (5 mi); White Sulphur Springs, WV (10 mi); Hinton, WV (23 mi); Covington, VA (27 mi); Pearisburg, VA (32 mi) (US Census Bureau).
- Nearest smaller communities: Alderson, WV (10 mi); Union, WV (12 mi); Falling Spring, WV (18 mi) (Census populations).
What a personal loan costs in Ronceverte
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
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.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
West Virginia lending rules that apply in Ronceverte
Each row below is a West Virginia rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Ronceverte
Run through this list before signing anything in Ronceverte:
- 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.