Hundred at a glance
- Population: a Census-estimated 242, placing it 194th among West Virginia's 230 places (Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 257 (US Census Bureau).
- 2020 to 2023 change: a loss of about 5.8% since the 2020 count (US Census Bureau).
- Rank among West Virginia places: 194th of 230 by population (US Census Bureau, Vintage 2023).
- Size percentile: it is larger than about 16% of the places in West Virginia (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 39.6836, -80.4576.
- Nearest larger cities: Cameron, WV (12 mi); Mannington, WV (12 mi); Fairview, WV (13 mi); Pine Grove, WV (15 mi); Farmington, WV (16 mi), each a US Census place with its estimated population.
- Nearest smaller communities: Blacksville, WV (13 mi); Smithfield, WV (14 mi); Worthington, WV (19 mi), each a US Census place.
What a personal loan costs in Hundred
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
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.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
West Virginia lending rules that apply in Hundred
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Hundred
Here is a short checklist for comparing personal loans in Hundred:
- 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.