Chapmanville at a glance
- Population: about 956 residents, ranking 104th of 230 Census places in West Virginia (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 1,019 residents here (US Census Bureau).
- 2020 to 2023 change: a loss of about 6.2% since the 2020 count (US Census Bureau).
- Rank among West Virginia places: 104th out of 230 Census places (US Census Bureau).
- Size percentile: about 55% of places in West Virginia are smaller (US Census Bureau).
- Coordinates: 37.9709, -82.0204 (Census Gazetteer, US Census Bureau).
- Nearest larger cities within 120 miles: Logan, WV (8 mi); Madison, WV (14 mi); Hamlin, WV (22 mi); Williamson, WV (25 mi); Oceana, WV (29 mi) (US Census Bureau).
- Smaller places close by: Mitchell Heights, WV (5 mi); West Logan, WV (7 mi); Danville, WV (13 mi) (US Census Bureau).
What a personal loan costs in Chapmanville
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
West Virginia lending rules that apply in Chapmanville
The table lists the West Virginia rules that apply to a loan made in Chapmanville, each with the regulator that published it.
| 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 Chapmanville
The order below is a sensible way to approach a loan in Chapmanville:
- 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.