Personal loans in Farmington, WV
A single loan can carry different costs on either side of a state line, and Farmington sits on the West Virginia side of that line. Farmington ranks 162nd of 230 places in West Virginia, with a population near 398.
Farmington counts about 398 people, and what is genuinely local about borrowing here is limited — West Virginia law does the governing. Farmington gained roughly 2.6% in population across the 2020-to-2023 comparison. Decide the purpose of the loan and your repayment plan before sharing any details with a Farmington lender. The closest larger place is Monongah, WV about 4 miles away.
Farmington by the numbers
Only a few things actually differ by place — population, area, location, and the West Virginia rules a lender must follow — and they are below.
- Population: a Census-estimated 398, 162nd among West Virginia's 230 places (Vintage 2023).
- Population trend: Roughly 2.6% more residents than the 2020 Census counted.
- Net change: roughly 10 more people than the 2020 Census counted.
- Size percentile: bigger than about 30% of the places in West Virginia, with 398 residents in Farmington.
- Density: roughly 959 residents per square mile, spread over 0.4 sq mi of land.
- Land area rank: Farmington's 0.4 square miles rank 179th of 230 places in West Virginia.
- Water area: Farmington has 0.01 square miles of water, ranking 113th of 230 places in West Virginia.
- State share: roughly 0.1% of West Virginia's residents live in Farmington (398 people).
- National rank: Farmington is the 14,120th most populous of the 19,457 Census places covered here.
- Growth rank: Farmington ranks 6th among West Virginia's 230 places for the 2020-to-2023 change.
- Against the state trend: Farmington's 2.6% change compares with a West Virginia average of -3.0% across its 230 places.
- Density rank: Farmington places 126th among West Virginia's places by people per square mile.
- Density in context: Farmington's 959 people per square mile sit against a West Virginia median of 1,021.
- Location: latitude 39.5122, longitude -80.2504 (Census Gazetteer).
- Nearest larger cities: Monongah (4 mi); Barrackville (4 mi); Mannington (5 mi); Grant Town (5 mi); Fairmont (6 mi). Online lenders reach Farmington no matter how far the nearest branch is.
- Nearest smaller places: Worthington (4 mi); Fairview (6 mi); Blacksville (14 mi).
- Smaller places within 50 miles: 44 of them.
- Within 100 miles: 420 places are larger than Farmington.
The state rulebook for Farmington
The rows below set out what a licensed lender must follow in West Virginia, and so for Farmington's roughly 398 residents.
| 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 |
The geography behind Farmington
Inside Farmington's boundaries lie roughly 0.4 square miles of land and 0.01 square miles of water. With 398 residents, the land area yields roughly 959 people per square mile. The largest place in West Virginia, Charleston, lies about 109 miles away. Farmington has 99 larger places within a 50-mile radius. By land area it ranks 179th of 230 West Virginia places.
Farmington in state context
Among West Virginia's 230 places, Farmington sits at 162nd for population, a share of roughly 0.1% of the state. On the 2020-to-2023 trend, Farmington stands 6th among West Virginia's 230 places — roughly the 97th percentile. Its roughly 959 residents per square mile place it 126th among West Virginia's places. Between 2020 and 2023 the count changed by roughly 10 residents.
How lenders reach Farmington
Farmington is moderately settled, with about 959 people per square mile and 99 larger places within 50 miles. Distance to a branch rarely matters for Farmington's 398 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Monongah, WV about 4 miles away.
What a Farmington borrower is actually offered
Most loans made to Farmington's 398 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Because pricing is borrower-level, two people in Farmington can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Farmington loan but raises total interest, so the smallest payment is not the cheapest loan.
Common questions
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Nearby places
- Worthington, WV — population 175
- Monongah, WV — population 1,039
- Fairview, WV — population 370
- Barrackville, WV — population 1,201
- Grant Town, WV — population 674
- Mannington, WV — population 1,916
- Fairmont, WV — population 18,155
- White Hall, WV — population 703