Huntington at a glance
- Population: 45,325 residents, the 2nd-largest of 230 places in West Virginia (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 46,841 (US Census Bureau).
- 2020 to 2023 change: down about 3.2% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among West Virginia places: 2nd of 230 by population (US Census Bureau, Vintage 2023).
- Size percentile: about 99% of places in West Virginia are smaller (US Census Bureau).
- Coordinates: 38.4107, -82.4347 (Census Gazetteer, US Census Bureau).
- Nearest larger cities within 120 miles: Charleston, WV (44 mi); Columbus, OH (113 mi); Lexington-Fayette, KY (113 mi); Newark, OH (115 mi) (US Census Bureau).
- Smaller places close by: Chesapeake, OH (2 mi); Proctorville, OH (3 mi); Ceredo, WV (6 mi) (US Census Bureau).
What a personal loan costs in Huntington
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
West Virginia lending rules that apply in Huntington
Each row below is a West Virginia rule with its publisher and the date it was retrieved.
| 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 Huntington
Before you share your details with a lender in Huntington:
- 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.