Worthington at a glance
- Population: 175, the 209th-largest community in West Virginia out of 230 (US Census Bureau, Vintage 2023).
- 2020 Census base: 178 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a loss of about 1.7% since the 2020 count (US Census Bureau).
- Rank among West Virginia places: the 209th-largest of 230 (US Census Bureau, 2023 estimate).
- Size percentile: about 9% of West Virginia's Census places are smaller (US Census Bureau).
- Coordinates: 39.4577 latitude, -80.2640 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Monongah, WV (2 mi); Farmington, WV (4 mi); White Hall, WV (5 mi); Shinnston, WV (5 mi); Pleasant Valley, WV (6 mi) (US Census Bureau populations).
- Nearest smaller places: Smithfield, WV (16 mi); Blacksville, WV (18 mi); Bruceton Mills, WV (36 mi) (US Census Bureau estimates).
What a personal loan costs in Worthington
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
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.
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.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
West Virginia lending rules that apply in Worthington
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Worthington
Before you share your details with a lender in Worthington:
- 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.