Personal loans in Hendricks, WV

Hendricks is a small community of about 220 residents, and a personal loan taken out here is governed by West Virginia statute. About 220 people live in Hendricks, placing it 198th of 230 Census places in West Virginia.

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

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.

Read the disclosure for an origination fee and any prepayment penalty before signing in Hendricks. A 2020-to-2023 comparison shows Hendricks down by about 3.5%. Every figure below is West Virginia's own, applied to Hendricks's 220 residents, with the publisher and retrieval date attached. The nearest larger city is Parsons, WV about 3 miles away.

The Hendricks data picture

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

Hendricks on the map

Inside Hendricks's boundaries lie about 0.3 square miles of land, with no significant water area recorded. That land carries about 701 people per square mile. Charleston, the largest place in West Virginia, is about 119 miles from Hendricks. Within 50 miles of Hendricks there are 64 larger Census places. The 100-mile radius contains 361 larger places.

The state rulebook for Hendricks

The rows below set out what a licensed lender must follow in West Virginia, and so for Hendricks's roughly 220 residents.

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
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
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

Getting a loan in Hendricks

At roughly 701 people per square mile, Hendricks is moderately settled; 64 larger places lie within 50 miles. What is available to Hendricks's 220 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 Parsons, WV about 3 miles away.

Where Hendricks sits in West Virginia

Among West Virginia's 230 places, Hendricks sits at 198th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Hendricks stands 130th among West Virginia's 230 places — roughly the 43th percentile. At about 701 people per square mile, Hendricks is the 163rd most densely settled place in West Virginia. The population moved by about 8 people between 2020 and 2023, a 3.5% shift.

A practical checklist for Hendricks borrowers

Before you hand your details to a lender in Hendricks, where the population is near 220:

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  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 West Virginia licence with the regulator named above before committing.
  5. Choose a term you can live with; stretching it lowers the payment but raises total interest.
  6. Keep the amount to the expense; an approval is not a reason to take more.
  7. Write down the purpose of the loan and your repayment plan before you apply.

In Hendricks as elsewhere in West Virginia, the written terms — not the advertisement — are what count for its 220 residents.

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 Hendricks 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 Hendricks is the same as anywhere in West Virginia.
What loan size can I expect in Hendricks?
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 Hendricks?
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 Hendricks 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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