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Personal loans in Valley Grove, WV

For residents of Valley Grove, a personal loan is a lump sum with a fixed repayment schedule, and its cost reflects your credit, income and debt-to-income picture. The Census counts about 265 residents in Valley Grove, ranking it 186th among the 230 places in West Virginia. The sourced table below shows the West Virginia rate caps and licensing requirements that reach every loan made here.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Valley Grove at a glance

  • Population: about 265, 186th by size in West Virginia of 230 places (Census Vintage 2023 subcounty estimate).
  • 2020 Census base: the 2020 Census recorded 275 residents here (US Census Bureau).
  • 2020 to 2023 change: roughly 3.6% fewer residents than at the 2020 Census (US Census Bureau).
  • Rank among West Virginia places: 186th by size among 230 communities (US Census Bureau).
  • Size percentile: roughly 19% of West Virginia's places have fewer residents (US Census Bureau).
  • Coordinates: latitude 40.0863, longitude -80.5770 (US Census Bureau Gazetteer).
  • Nearest larger cities (120-mile radius): Triadelphia, WV (4 mi); West Liberty, WV (6 mi); Bethlehem, WV (6 mi); Wheeling, WV (6 mi); Clearview, WV (7 mi) (US Census Bureau).
  • Nearest smaller towns: West Middletown, PA (13 mi); Green Hills, PA (14 mi); New Alexandria, OH (15 mi) (US Census Bureau).

What a personal loan costs in Valley Grove

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.

A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.

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 Valley Grove

The West Virginia rate caps and licensing rules that reach Valley Grove are listed below, each with its source and retrieval date.

RuleDetailSource
State lending regulatorWest 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 statusTraditional 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 licensingRegulated 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

How to compare offers in Valley Grove

Before you share your details with a lender in Valley Grove:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in West Virginia using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Valley Grove?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Valley Grove are the same as elsewhere in West Virginia.
How much can I borrow with a personal loan in Valley Grove?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Valley Grove require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Valley Grove hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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