Stonewood at a glance
- Population: about 1,759, 63rd by size in West Virginia of 230 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 1,807 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: down about 2.7% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among West Virginia places: 63rd largest of 230 (US Census Bureau).
- Size percentile: about 73% of places in West Virginia are smaller (US Census Bureau).
- Coordinates: 39.2501, -80.3054 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Clarksburg, WV (3 mi); Bridgeport, WV (5 mi); Shinnston, WV (10 mi); Philippi, WV (15 mi); Pleasant Valley, WV (16 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Anmoore, WV (1 mi); Nutter Fort, WV (1 mi); West Milford, WV (6 mi), each a US Census place.
What a personal loan costs in Stonewood
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
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 Stonewood
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Stonewood
Before you share your details with a lender in Stonewood:
- 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.