Personal loans in Romney, WV

The 2020 count to the 2023 estimate shows about 0.8% decline in Romney. If debt is already a strain, a nonprofit credit counsellor can help Romney residents before they take on more. The nearest larger metro is Keyser, WV about 14 miles away. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Romney's 1,753 residents.

What the Census records for Romney

Set out below is Romney's local context next to the state-level rules that reach every lender here.

• Population: 1,753 — Romney ranks 64th of 230 communities in West Virginia (US Census Bureau, Vintage 2023).
• Population trend: A drop of about 0.8% from 2020 to 2023.
• Net change: roughly 15 fewer people than the 2020 Census counted.
• Size percentile: about 72% of West Virginia's Census places are smaller than Romney.
• Density: roughly 1,658 residents per square mile, spread over 1.1 sq mi of land.
• Land area rank: Romney's 1.1 square miles rank 96th of 230 places in West Virginia.
• Share of West Virginia: Romney holds about 0.3% of the state's population, some 1,753 people.
• National standing: Romney ranks 8,116th of 19,457 US places.
• Growth in West Virginia: Romney stands 39th by percentage change from 2020 to 2023, among 230 places.
• Versus West Virginia: the state average change is -3.0%, while Romney moved 0.8%.
• Density rank: Romney is the 50th most densely settled place in West Virginia.
• Against the state median: Romney runs about 1,658 residents per square mile, where the West Virginia median is 1,021.
• Location: latitude 39.3445, longitude -78.7558 (Census Gazetteer).
• Nearest larger cities: Keyser (14 mi); Westernport (18 mi); Cumberland (21 mi); Moorefield (22 mi); Frostburg (23 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller places close by: Capon Bridge (18 mi); Piedmont (18 mi); Luke (19 mi).
• Smaller places within 50 miles: 49 of them.
• Larger places within 100 miles: 198.

Before you apply in Romney

These steps shape the offer you get in Romney, a place of about 1,753 people:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Test your amount and term in the personal loan calculator first.
3. Shop at least three lenders and judge them on APR and total cost.
4. Look the lender up in the West Virginia regulator's licence records before you sign.
5. Decide the purpose and how you will repay it before approaching any lender.
6. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
7. Look for an origination fee or prepayment penalty in the written disclosure.

What differs between Romney and the rest of West Virginia is not the process but the borrower's own file, among the 1,753 people here.

Where Romney sits

Inside Romney's boundaries lie about 1.1 square miles of land, with no significant water area recorded. With 1,753 residents, the land area yields roughly 1,658 people per square mile. Charleston, the largest place in West Virginia, is about 169 miles from Romney. Counting outward 50 miles, 25 larger communities surround Romney. The 100-mile radius contains 198 larger places.

How personal loans work in Romney

Most loans made to Romney's 1,753 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Romney's rank of 64th in West Virginia: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Romney loan is knowable in advance — unlike a revolving card balance.

Romney's place among West Virginia's 230 places

Among West Virginia's 230 places, Romney sits at 64th for population, a share of roughly 0.3% of the state. For population change between 2020 and 2023, Romney ranks 39th of 230 in West Virginia (about the 83th percentile). At about 1,658 people per square mile, Romney is the 50th most densely settled place in West Virginia. By land area, its 1.1 square miles rank 96th of 230 places in West Virginia.

What West Virginia law requires in Romney

This table holds the West Virginia rate and licensing rules for consumer loans made to Romney's 1,753 residents.