Hurricane at a glance
- Population: 6,806 — 20th in West Virginia, which has 230 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 6,966 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 2.3% lower than the 2020 Census base (US Census Bureau).
- Rank among West Virginia places: 20th out of 230 Census places (US Census Bureau).
- Size percentile: it exceeds roughly 91% of West Virginia's Census places by population (US Census Bureau).
- Coordinates: 38.4275 latitude, -82.0181 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: St. Albans, WV (11 mi); Dunbar, WV (16 mi); South Charleston, WV (18 mi); Charleston, WV (22 mi); Huntington, WV (23 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Milton, WV (6 mi); Eleanor, WV (9 mi); Winfield, WV (10 mi), each a US Census place.
What a personal loan costs in Hurricane
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
West Virginia lending rules that apply in Hurricane
Read the table as the compliance picture for a lender serving Hurricane: label, sourced figure, publisher and date.
| 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 Hurricane
The order below is a sensible way to approach a loan in Hurricane:
- 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.