Wardensville at a glance
- Population: about 262, 187th by size in West Virginia of 230 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 264 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 0.8% below the 2020 Census base (US Census Bureau).
- Rank among West Virginia places: 187th-largest of 230 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 19% of West Virginia's places have fewer residents (US Census Bureau).
- Coordinates: mapped at 39.0788, -78.5903 by the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Toms Brook, VA (12 mi); Strasburg, VA (14 mi); Woodstock, VA (15 mi); Middletown, VA (17 mi); Capon Bridge, WV (18 mi) (US Census Bureau populations).
- Nearest smaller places: Washington, VA (34 mi); Elk Garden, WV (37 mi); Luke, MD (37 mi) (US Census Bureau estimates).
What a personal loan costs in Wardensville
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.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
West Virginia lending rules that apply in Wardensville
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Wardensville
These steps are the ones that most affect the offer you receive in Wardensville:
- 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.