Personal loans in White Hall, WV
A single loan can carry different costs on either side of a state line, and White Hall sits on the West Virginia side of that line. White Hall counts about 703 people, and what is genuinely local about borrowing here is limited — West Virginia law does the governing. The Census counts 703 people in White Hall, the 124th-largest figure among West Virginia's 230 places. White Hall shed about 0.1% of its population between the 2020 base and the 2023 estimate. Compare APR, not the interest rate, because the APR folds in most fees on a White Hall loan. The closest larger place is Pleasant Valley, WV about 3 miles away.
White Hall: population, trend and location
Here is the sourced Census picture for White Hall, plus the West Virginia lending rules that apply to a loan taken out here.
- Population: an estimated 703 residents, 124th of 230 places in West Virginia (Census Vintage 2023 subcounty estimate).
- Population trend: Down about 0.1% from the 2020 Census base to the 2023 estimate.
- Change in people: the 2020-to-2023 comparison is a loss of about 1 residents.
- Size percentile: bigger than about 46% of the places in West Virginia, with 703 residents in White Hall.
- Population density: 668 people per square mile on 1.1 square miles of land.
- By land area: White Hall ranks 99th among West Virginia's 230 places, at 1.1 sq mi.
- Share of West Virginia: White Hall holds about 0.1% of the state's population, some 703 people.
- National rank: White Hall is the 11,787th most populous of the 19,457 Census places covered here.
- Growth rank: White Hall ranks 20th among West Virginia's 230 places for the 2020-to-2023 change.
- Versus West Virginia: the state average change is -3.0%, while White Hall moved 0.1%.
- Density in West Virginia: White Hall ranks 168th by people per square mile.
- Against the state median: White Hall runs about 668 residents per square mile, where the West Virginia median is 1,021.
- Location: mapped by the US Census Bureau at 39.4218, -80.1857.
- Nearest larger cities: Pleasant Valley (3 mi); Monongah (3 mi); Fairmont (4 mi); Barrackville (6 mi); Shinnston (6 mi). Lenders licensed in the state serve White Hall whether or not they keep a local branch.
- Smaller places nearby: Worthington (5 mi); Farmington (7 mi); Lumberport (9 mi).
- Smaller neighbours: 66 places smaller than White Hall sit within 50 miles.
- Within 100 miles: 315 places are larger than White Hall.
How a White Hall personal loan is priced
With roughly 703 residents, White Hall is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than White Hall's rank of 124th 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 White Hall loan is knowable in advance — unlike a revolving card balance.
White Hall on the map
The Census Gazetteer records about 1.1 square miles of land within White Hall, with no significant water area listed. That land carries about 668 people per square mile. The largest place in West Virginia, Charleston, lies about 107 miles away. A 50-mile radius around White Hall takes in 56 places that are larger. Within the same 50 miles lie 66 smaller Census places.
Before you apply in White Hall
For White Hall's roughly 703 residents, these are the steps that most influence the offer:
- Pull your credit reports first and correct any error before a lender sees the file.
- Model the payment on the calculator before a lender models it for you.
- Line up several pre-qualified offers and let the APR decide.
- Confirm the lender holds a West Virginia licence by checking the regulator named above.
- When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
- Look for an origination fee or prepayment penalty in the written disclosure.
- Check that the monthly payment fits your budget next to your existing obligations.
The process is identical across West Virginia; what changes is your credit file, not the fact that White Hall holds 703 people.
White Hall in state context
Set beside West Virginia's 230 places, White Hall ranks 124th by population and holds about 0.1% of the state total. Its 2020-to-2023 change ranks 20th of 230 West Virginia places, putting it near the 91th percentile for growth. Its roughly 668 residents per square mile place it 168th among West Virginia's places. The population moved by about 1 people between 2020 and 2023, a 0.1% shift.
The state rulebook for White Hall
These are West Virginia's sourced lending facts as they reach White Hall's 703 residents; the state has no city-level rate rule.
| 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 |
Common questions
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Nearby places
- Pleasant Valley, WV — population 3,483
- Monongah, WV — population 1,039
- Fairmont, WV — population 18,155
- Barrackville, WV — population 1,201
- Worthington, WV — population 175
- Farmington, WV — population 398
- Shinnston, WV — population 2,276
- Rivesville, WV — population 813