Kingwood at a glance
- Population: roughly 2,956 people; 39th of 230 places in West Virginia (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 2,980 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: a loss of about 0.8% since the 2020 count (US Census Bureau).
- Rank among West Virginia places: 39th of 230 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 83% of West Virginia's places have fewer residents (US Census Bureau).
- Coordinates: mapped at 39.4720, -79.6822 by the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Morgantown, WV (18 mi); Westover, WV (20 mi); Grafton, WV (20 mi); Fairmont, WV (25 mi); Pleasant Valley, WV (25 mi) (US Census Bureau).
- Nearest smaller places: Albright, WV (3 mi); Tunnelton, WV (6 mi); Reedsville, WV (7 mi) (US Census Bureau estimates).
What a personal loan costs in Kingwood
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
West Virginia lending rules that apply in Kingwood
The table lists the West Virginia rules that apply to a loan made in Kingwood, each with the regulator that published it.
| 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 Kingwood
Before you commit to a personal loan in Kingwood, 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.