Personal loans in Hundred, WV

If you are weighing a personal loan in Hundred, start from the payment you can carry; its 242 residents face the same statewide rules. With an estimated 242 residents, Hundred is the 194th-largest 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.

Hundred shed about 5.8% of its population between the 2020 base and the 2023 estimate. Read the disclosure for an origination fee and any prepayment penalty before signing in Hundred. The next larger city is Cameron, WV about 12 miles away. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Hundred's 242 residents.

Where Hundred stands

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

Steps to take before a Hundred loan

For Hundred's roughly 242 residents, these are the steps that most influence the offer:

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Model the payment on the calculator before a lender models it for you.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Look the lender up in the West Virginia regulator's licence records before you sign.
  5. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
  6. Read the disclosure for an origination fee and any prepayment penalty before signing.
  7. Make sure the new payment leaves room in a budget you already keep.

The process is identical across West Virginia; what changes is your credit file, not the fact that Hundred holds 242 people.

Which West Virginia laws govern a loan in Hundred

The rows below set out what a licensed lender must follow in West Virginia, and so for Hundred's roughly 242 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

Hundred in state context

Set beside West Virginia's 230 places, Hundred ranks 194th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Hundred ranks 206th of 230 in West Virginia (about the 10th percentile). Its roughly 482 residents per square mile place it 188th among West Virginia's places. Between 2020 and 2023 the count changed by roughly 15 residents.

The anatomy of a Hundred personal loan

Hundred is a small community of about 242 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Hundred lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Hundred loan is knowable in advance — unlike a revolving card balance.

Hundred on the map

Hundred covers about 0.5 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 242 residents, the land area yields roughly 482 people per square mile. The state's population centre of gravity, Charleston, is roughly 112 miles away. Counting outward 50 miles, 143 larger communities surround Hundred. By land area it ranks 162nd 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 Hundred 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 Hundred is the same as anywhere in West Virginia.
What loan size can I expect in Hundred?
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 Hundred?
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 Hundred 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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