White Hall at a glance
- Population: a Census-estimated 703, placing it 124th among West Virginia's 230 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 704 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 0.1% below the 2020 Census base (US Census Bureau).
- Rank among West Virginia places: 124th of 230 by population (US Census Bureau, Vintage 2023).
- Size percentile: larger than about 46% of the Census places in West Virginia (US Census Bureau).
- Coordinates: 39.4218, -80.1857 (Census Gazetteer, US Census Bureau).
- Nearest larger cities (within 120 miles): Pleasant Valley, WV (3 mi); Monongah, WV (3 mi); Fairmont, WV (4 mi); Barrackville, WV (6 mi); Shinnston, WV (6 mi) (US Census Bureau populations).
- Nearest smaller towns: Worthington, WV (5 mi); Farmington, WV (7 mi); Lumberport, WV (9 mi) — US Census Bureau populations.
What a personal loan costs in White Hall
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
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 White Hall
The sourced rows below are the rules a licensed lender must follow when lending in West Virginia, and therefore in White Hall.
| 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 White Hall
Before you share your details with a lender in White Hall:
- 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.