West Milford at a glance
- Population: the Census estimates 442 residents, ranking 157th of 230 places in West Virginia (Vintage 2023).
- 2020 Census base: 450 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: roughly 1.8% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among West Virginia places: 157th out of 230 Census places (US Census Bureau).
- Size percentile: roughly 32% of West Virginia's places have fewer residents (US Census Bureau).
- Coordinates: mapped at 39.2045, -80.4033 by the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Clarksburg, WV (5 mi); Nutter Fort, WV (6 mi); Stonewood, WV (6 mi); Anmoore, WV (7 mi); Salem, WV (10 mi) (US Census Bureau populations).
- Smaller places close by: Lost Creek, WV (4 mi); Jane Lew, WV (6 mi); Flemington, WV (15 mi) (US Census Bureau).
What a personal loan costs in West Milford
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
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.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
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 West Milford
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 West Milford
Before you share your details with a lender in West Milford:
- 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.