Sistersville at a glance
- Population: a Census-estimated 1,327, placing it 84th among West Virginia's 230 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 1,409 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: population fell about 5.8% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among West Virginia places: 84th of the state's 230 Census places (US Census Bureau).
- Size percentile: larger than about 63% of the Census places in West Virginia (US Census Bureau).
- Coordinates: 39.5598, -80.9987 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Paden City, WV (5 mi); New Martinsville, WV (9 mi); Woodsfield, OH (15 mi); St. Marys, WV (16 mi); Powhatan Point, OH (23 mi), each a US Census place with its estimated population.
- Nearest smaller communities: Friendly, WV (5 mi); Matamoras (New Matamoras), OH (5 mi); Middlebourne, WV (6 mi), each a US Census place.
What a personal loan costs in Sistersville
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
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 term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
West Virginia lending rules that apply in Sistersville
Read the table as the compliance picture for a lender serving Sistersville: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Sistersville
A few practical steps will make the process in Sistersville less costly:
- 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.