Personal loans in Friendly, WV

The trend for Friendly between 2020 and 2023 is downward by roughly 4.1%. The Census estimates 94 residents in Friendly, which ranks it 226th of 230 places in West Virginia.

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.

Friendly is a small community of about 94 residents, and a personal loan taken out here is governed by West Virginia statute. Rate-shopping from Friendly costs nothing at pre-qualification, where a soft pull leaves your credit file alone. Lenders active in Friendly report to a West Virginia supervisor, identified in the sourced rows below. The closest larger place is Matamoras (New Matamoras), OH about 1 miles away.

Where Friendly stands

The figures below are Friendly's own — Census population, land area and coordinates — followed by the West Virginia rules.

Steps to take before a Friendly loan

These steps shape the offer you get in Friendly, a place of about 94 people:

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Test your amount and term in the personal loan calculator first.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Verify the lender's West Virginia licence with the regulator listed on this page.
  5. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
  6. Read the disclosure for an origination fee and any prepayment penalty before signing.
  7. Check that the monthly payment fits your budget next to your existing obligations.

In Friendly as elsewhere in West Virginia, the written terms — not the advertisement — are what count for its 94 residents.

The state rulebook for Friendly

Every row below records a West Virginia rule, its publisher and its retrieval date — the same rules a Friendly lender must follow.

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
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

Getting a loan in Friendly

With about 931 residents per square mile, Friendly is moderately settled, and 109 larger Census places sit within 50 miles. What is available to Friendly's 94 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 Matamoras (New Matamoras), OH about 1 miles away.

Inside a Friendly personal loan

In Friendly, a small community of about 94, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Friendly can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Friendly loan but raises total interest, so the smallest payment is not the cheapest loan.

Where Friendly sits

The Census Gazetteer records about 0.1 square miles of land within Friendly, with no significant water area listed. With 94 residents, the land area yields roughly 931 people per square mile. Charleston, the largest place in West Virginia, is about 86 miles from Friendly. Counting outward 50 miles, 109 larger communities surround Friendly. By land area it ranks 228th of 230 West Virginia 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 Friendly 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 Friendly is the same as anywhere in West Virginia.
What loan size can I expect in Friendly?
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 Friendly?
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 Friendly 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.

Nearby places

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