Personal loans in War, WV
State law, not city hall, decides what a lender may do to War's roughly 559 residents, and a state regulator supervises it.
War, West Virginia — home to about 559 people — is a small community, so the terms you are offered follow West Virginia law rather than any local rule. War ranks 142nd of 230 places in West Virginia, with a population near 559. A 2020-to-2023 comparison shows War down by about 10.1%. Work out your debt-to-income ratio first; lenders weigh it heavily, and War's 559 residents are no exception. The nearest larger metro is Gary, WV about 9 miles away.
Where War stands
Set out below is War's local context next to the state-level rules that reach every lender here.
- Population: 559 — War ranks 142nd of 230 communities in West Virginia (US Census Bureau, Vintage 2023).
- Population trend: Lower by roughly 10.1% since the 2020 count.
- Net change: roughly 63 fewer people than the 2020 Census counted.
- Size percentile: with 559 residents, War is larger than about 38% of West Virginia's Census places.
- Land and density: 0.9 square miles of land carry roughly 627 residents per square mile.
- Land area rank: War's 0.9 square miles rank 113th of 230 places in West Virginia.
- Water area: War has 0.03 square miles of water, ranking 82nd of 230 places in West Virginia.
- Share of state population: War's 559 residents are about 0.1% of West Virginia.
- National rank: War sits 12,708th by population among the 19,457 places in this dataset.
- Growth in West Virginia: War stands 226th by percentage change from 2020 to 2023, among 230 places.
- Against the state trend: War's 10.1% change compares with a West Virginia average of -3.0% across its 230 places.
- Density in West Virginia: War ranks 174th by people per square mile.
- Density vs West Virginia: War's 627 people per square mile compare with a state median of 1,021.
- Location: latitude 37.3100, longitude -81.6763 (Census Gazetteer).
- Nearest larger cities: Gary (9 mi); Welch (9 mi); Tazewell (16 mi); Cedar Bluff (16 mi); Richlands (17 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Nearest smaller places: Bradshaw (7 mi); Kimball (12 mi); Davy (12 mi).
- Within a 50-mile radius: 25 smaller Census places.
- At 100 miles: 165 larger Census places fall inside that radius.
Borrowing reach in War
At roughly 627 people per square mile, War is moderately settled; 37 larger places lie within 50 miles. What is available to War's 559 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 Gary, WV about 9 miles away.
Where War sits in West Virginia
Set beside West Virginia's 230 places, War ranks 142nd by population and holds about 0.1% of the state total. Its 2020-to-2023 change ranks 226th of 230 West Virginia places, putting it near the 2th percentile for growth. Its roughly 627 residents per square mile place it 174th among West Virginia's places. By land area, its 0.9 square miles rank 113th of 230 places in West Virginia.
Land, water and location for War
The Census Gazetteer records 0.9 square miles of land and 0.03 square miles of water within War. The resulting density is about 627 people per square mile. For the state's biggest city, Charleston, the distance is roughly 72 miles. Counting outward 50 miles, 37 larger communities surround War. By land area it ranks 113th of 230 West Virginia places.
West Virginia rules behind a War personal loan
West Virginia has no separate rate rule for War; the sourced rows below are what reach every lender that serves its 559 people.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | West 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 licensing | Regulated 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 |
The anatomy of a War personal loan
Most loans made to War's 559 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in War. The term you choose in War decides the split between a comfortable payment and the total interest you pay.
Common questions
What are my options in War if my credit is poor?
What loan size can I expect in War?
Do I have to pledge anything to borrow in War?
Does comparing loans in War cost me credit score points?
Nearby places
- Bradshaw, WV — population 183
- Welch, WV — population 3,414
- Gary, WV — population 703
- Davy, WV — population 189
- Kimball, WV — population 253
- Iaeger, WV — population 230
- Anawalt, WV — population 151
- Cedar Bluff, VA — population 1,024