Kimball at a glance
- Population: the Census estimates 253 residents, ranking 190th of 230 places in West Virginia (Vintage 2023).
- 2020 Census base: 283 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a loss of about 10.6% since the 2020 count (US Census Bureau).
- Rank among West Virginia places: 190th of the state's 230 Census places (US Census Bureau).
- Size percentile: roughly 17% of West Virginia's places have fewer residents (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 37.4200, -81.5149.
- Nearest larger cities: Gary, WV (4 mi); Welch, WV (4 mi); Pineville, WV (11 mi); War, WV (12 mi); Pocahontas, VA (12 mi); each population is a US Census Bureau estimate.
- Smaller places nearby: Keystone, WV (4 mi); Northfork, WV (5 mi); Anawalt, WV (7 mi), per US Census Bureau estimates.
What a personal loan costs in Kimball
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
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.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
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 Kimball
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 Kimball
Before you commit to a personal loan in Kimball, work through these steps:
- 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.