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Personal loans in Camden-on-Gauley, WV

Census figures put the 2020-to-2023 decrease in Camden-on-Gauley at about 3.9%. With an estimated 122 residents, Camden-on-Gauley is the 223rd-largest of 230 places in West Virginia. For a borrower among the roughly 122 residents of Camden-on-Gauley, a personal loan is a tool whose cost turns on the terms, not the address. Pull your credit reports and line up at least three offers before you apply from Camden-on-Gauley. Which products a lender may offer to Camden-on-Gauley's 122 residents follows from the West Virginia consumer-lending framework. Borrowers who want a bigger city can look to Cowen, WV about 4 miles away.

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

Compare loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Camden-on-Gauley by the numbers

Camden-on-Gauley is a small community; the notes below cover its population profile and the statewide rules that apply.

How Camden-on-Gauley compares across West Virginia

Within West Virginia, Camden-on-Gauley holds roughly 0.0% of all residents, the 223rd-largest share among 230 places. Its 2020-to-2023 change ranks 149th of 230 West Virginia places, putting it near the 35th percentile for growth. By density, at about 375 people per square mile, it ranks 204th in West Virginia. The population moved by about 5 people between 2020 and 2023, a 3.9% shift.

A pre-application checklist for Camden-on-Gauley

Before you apply in Camden-on-Gauley, a community of about 122, work through these steps:

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Confirm the lender holds a West Virginia licence by checking the regulator named above.
  5. Borrow only what the purpose requires, not the maximum you are offered.
  6. Decide the purpose and how you will repay it before approaching any lender.
  7. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.

None of these steps is Camden-on-Gauley-specific: the same West Virginia licensing and disclosure rules reach all 122 residents.

The West Virginia lending rules that reach Camden-on-Gauley

West Virginia has no separate rate rule for Camden-on-Gauley; the sourced rows below are what reach every lender that serves its 122 people.

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

Lender access in Camden-on-Gauley

At roughly 375 people per square mile, Camden-on-Gauley is lightly settled; 42 larger places lie within 50 miles. What is available to Camden-on-Gauley's 122 borrowers is set by West Virginia licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Cowen, WV about 4 miles away.

Camden-on-Gauley: area, density and distance

Camden-on-Gauley covers about 0.3 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 375 residents per square mile. Charleston, the largest place in West Virginia, is about 56 miles from Camden-on-Gauley. Within 50 miles of Camden-on-Gauley there are 42 larger Census places. Within the same 50 miles lie 1 smaller Census places.

Compare personal loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Camden-on-Gauley if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Camden-on-Gauley is the same as anywhere in West Virginia.
What loan size can I expect in Camden-on-Gauley?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Camden-on-Gauley?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Camden-on-Gauley cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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