Personal loans in Union, WV

A personal loan in Union is priced from your credit file and income, not from the fact that the city holds 415 people. Consumer lending that reaches Union's 415 residents is governed by West Virginia statute; no city ordinance changes it. Use the calculator on this page to price an amount and term before you commit in Union. The nearest larger metro is Alderson, WV about 11 miles away.

Union: population, trend and location

Read the local figures below as context; read the sourced West Virginia table as the rulebook a lender here must follow.

• Population: 415 — Union ranks 160th of 230 communities in West Virginia (US Census Bureau, Vintage 2023).
• Population trend: A decline of about 1.2% across the 2020-to-2023 comparison.
• Change in people: the 2020-to-2023 comparison is a loss of about 5 residents.
• Size percentile: with 415 residents, Union is larger than about 30% of West Virginia's Census places.
• Density: the Census land area of 0.4 sq mi holds about 928 people per square mile.
• Land area: Union covers 0.4 square miles, the 173rd-largest area among West Virginia's 230 places.
• State share: roughly 0.1% of West Virginia's residents live in Union (415 people).
• Nationally: Union is the 13,945th-largest of 19,457 Census places in the dataset.
• Growth rank: Union ranks 48th among West Virginia's 230 places for the 2020-to-2023 change.
• Against the state trend: Union's 1.2% change compares with a West Virginia average of -3.0% across its 230 places.
• Density rank: Union is the 133rd most densely settled place in West Virginia.
• Density vs West Virginia: Union's 928 people per square mile compare with a state median of 1,021.
• Location: mapped by the US Census Bureau at 37.5907, -80.5400.
• Nearest larger cities: Alderson (11 mi); Ronceverte (12 mi); Lewisburg (16 mi); Peterstown (19 mi); Pembroke (19 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Smaller places nearby: Glen Lyn (23 mi); New Castle (24 mi); Meadow Bridge (25 mi).
• Smaller neighbours: 14 places smaller than Union sit within 50 miles.
• Larger places within 100 miles: 146.

The West Virginia lending rules that reach Union

This table holds the West Virginia rate and licensing rules for consumer loans made to Union's 415 residents.

Steps to take before a Union loan

Complete these steps first when you borrow in Union (415 residents):

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Test your amount and term in the personal loan calculator first.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Check the West Virginia regulator's records to confirm the lender is licensed here.
5. Write down the purpose of the loan and your repayment plan before you apply.
6. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
7. Check the disclosure for fees that raise the true cost above the quoted rate.

The process is identical across West Virginia; what changes is your credit file, not the fact that Union holds 415 people.

How Union compares across West Virginia

Against West Virginia's other places, Union accounts for about 0.1% of the state's population and ranks 160th of 230 by size. On the 2020-to-2023 trend, Union stands 48th among West Virginia's 230 places — roughly the 79th percentile. Its roughly 928 residents per square mile place it 133rd among West Virginia's places. The population moved by about 5 people between 2020 and 2023, a 1.2% shift.

What is available to Union borrowers

With about 928 residents per square mile, Union is moderately settled, and 39 larger Census places sit within 50 miles. Distance to a branch rarely matters for Union's 415 residents: the application is online and the price follows your credit file. The nearest bigger place is Alderson, WV about 11 miles away.

How personal loans work in Union

A Union personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 415 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Union. Because the payment is fixed, the total cost of a Union loan is knowable in advance — unlike a revolving card balance.