Valley Grove at a glance
- Population: about 265, 186th by size in West Virginia of 230 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 275 residents here (US Census Bureau).
- 2020 to 2023 change: roughly 3.6% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among West Virginia places: 186th by size among 230 communities (US Census Bureau).
- Size percentile: roughly 19% of West Virginia's places have fewer residents (US Census Bureau).
- Coordinates: latitude 40.0863, longitude -80.5770 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Triadelphia, WV (4 mi); West Liberty, WV (6 mi); Bethlehem, WV (6 mi); Wheeling, WV (6 mi); Clearview, WV (7 mi) (US Census Bureau).
- Nearest smaller towns: West Middletown, PA (13 mi); Green Hills, PA (14 mi); New Alexandria, OH (15 mi) (US Census Bureau).
What a personal loan costs in Valley Grove
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.
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.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
West Virginia lending rules that apply in Valley Grove
The West Virginia rate caps and licensing rules that reach Valley Grove are listed below, each with its source and retrieval date.
| 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 Valley Grove
Before you share your details with a lender in Valley Grove:
- 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.