Sutton at a glance
- Population: 836, the 111th-largest community in West Virginia out of 230 (US Census Bureau, Vintage 2023).
- 2020 Census base: 864 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: a loss of about 3.2% since the 2020 count (US Census Bureau).
- Rank among West Virginia places: the 111th-largest of 230 (US Census Bureau, 2023 estimate).
- Size percentile: about 52% of West Virginia's Census places are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 38.6678, -80.7135.
- Nearest larger cities: Glenville, WV (20 mi); Summersville, WV (27 mi); Weston, WV (29 mi); Richwood, WV (32 mi); Buckhannon, WV (34 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Gassaway, WV (3 mi); Flatwoods, WV (5 mi); Burnsville, WV (13 mi) — US Census Bureau populations.
What a personal loan costs in Sutton
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
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.
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 Sutton
Each row below is a West Virginia rule with its publisher and the date it was retrieved.
| 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 Sutton
Before you share your details with a lender in Sutton:
- 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.