Man at a glance
- Population: 727 — 121st in West Virginia, which has 230 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 775 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: population fell about 6.2% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among West Virginia places: 121st of the state's 230 Census places (US Census Bureau).
- Size percentile: larger than about 47% of the Census places in West Virginia (US Census Bureau).
- Coordinates: 37.7414 / -81.8815, per the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Logan, WV (10 mi); Oceana, WV (14 mi); Chapmanville, WV (18 mi); Williamson, WV (22 mi); Madison, WV (23 mi) (US Census Bureau).
- Nearest smaller places: Gilbert, WV (9 mi); West Logan, WV (11 mi); Mitchell Heights, WV (13 mi) (US Census Bureau estimates).
What a personal loan costs in Man
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
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 Man
Read the table as the compliance picture for a lender serving Man: 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 Man
A few practical steps will make the process in Man less costly:
- 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.