West Union at a glance
- Population: 639 residents, the 136th-largest of 230 places in West Virginia (US Census Bureau, Vintage 2023).
- 2020 Census base: 654 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 2.3% below the 2020 Census base (US Census Bureau).
- Rank among West Virginia places: 136th by size among 230 communities (US Census Bureau).
- Size percentile: roughly 41% of West Virginia's places have fewer residents (US Census Bureau).
- Coordinates: 39.2968 / -80.7760, per the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Pennsboro, WV (10 mi); Salem, WV (11 mi); Middlebourne, WV (15 mi); Harrisville, WV (16 mi); Sistersville, WV (22 mi) (US Census Bureau).
- Nearest smaller communities: Pullman, WV (12 mi); Auburn, WV (15 mi); Ellenboro, WV (15 mi) (Census populations).
What a personal loan costs in West Union
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
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.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
West Virginia lending rules that apply in West Union
The table carries the West Virginia rate and licensing rules that apply to consumer loans made in West Union.
| 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 Union
Here is a short checklist for comparing personal loans in West Union:
- 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.