Ansted at a glance
- Population: a Census-estimated 1,272, placing it 89th among West Virginia's 230 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 1,312 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: about 3.0% lower than the 2020 Census base (US Census Bureau).
- Rank among West Virginia places: 89th out of 230 Census places (US Census Bureau).
- Size percentile: ahead of around 61% of West Virginia places in population terms (US Census Bureau).
- Coordinates: latitude 38.1354, longitude -81.1035 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Fayetteville, WV (5 mi); Oak Hill, WV (11 mi); Mount Hope, WV (17 mi); Summersville, WV (18 mi); Chesapeake, WV (24 mi) (US Census Bureau).
- Smaller towns nearby: Gauley Bridge, WV (6 mi); Smithers, WV (11 mi); Montgomery, WV (12 mi) (US Census Bureau).
What a personal loan costs in Ansted
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Ansted
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 |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Ansted
The order below is a sensible way to approach a loan in Ansted:
- 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.