West Logan at a glance
- Population: about 373, 170th by size in West Virginia of 230 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 398 (US Census Bureau).
- 2020 to 2023 change: down roughly 6.3% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among West Virginia places: 170th of 230 by population (US Census Bureau, Vintage 2023).
- Size percentile: it is larger than about 26% of the places in West Virginia (US Census Bureau).
- Coordinates: it sits at 37.8679, -81.9906 in the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Logan, WV (1 mi); Chapmanville, WV (7 mi); Man, WV (11 mi); Delbarton, WV (15 mi); Danville, WV (17 mi) (US Census Bureau).
- Nearest smaller towns: Mitchell Heights, WV (3 mi); Gilbert, WV (19 mi); Kermit, WV (23 mi) (US Census Bureau).
What a personal loan costs in West Logan
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
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.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
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 West Logan
Read the table as the compliance picture for a lender serving West Logan: label, sourced figure, publisher and 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 West Logan
Before you commit to a personal loan in West Logan, work through these steps:
- 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.