Star City at a glance
- Population: the Census estimates 1,778 residents, ranking 61st of 230 places in West Virginia (Vintage 2023).
- 2020 Census base: 1,756 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: roughly 1.3% higher than at the 2020 Census (US Census Bureau).
- Rank among West Virginia places: 61st of the state's 230 Census places (US Census Bureau).
- Size percentile: it is larger than about 73% of the places in West Virginia (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 39.6592, -79.9866.
- Nearest larger cities (120-mile radius): Westover, WV (2 mi); Morgantown, WV (3 mi); Masontown, PA (14 mi); Fairmont, WV (15 mi); Pleasant Valley, WV (17 mi) (US Census Bureau).
- Nearest smaller communities: Granville, WV (1 mi); Point Marion, PA (7 mi); Greensboro, PA (10 mi), each a US Census place.
What a personal loan costs in Star City
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
West Virginia lending rules that apply in Star City
The sourced rows below are the rules a licensed lender must follow when lending in West Virginia, and therefore in Star City.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Star City
Here is a short checklist for comparing personal loans in Star City:
- 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.