Personal loans in Womelsdorf (Coalton), WV

With an estimated 185 residents, Womelsdorf (Coalton) is the 206th-largest of 230 places in West Virginia. Womelsdorf (Coalton) lost roughly 1.6% of its population across the 2020-to-2023 comparison.

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.

Womelsdorf (Coalton) is a small community of about 185 residents, and a personal loan taken out here is governed by West Virginia statute. Consumer lending that reaches Womelsdorf (Coalton)'s 185 residents is governed by West Virginia statute; no city ordinance changes it. Verify the lender's West Virginia licence against the regulator named below before borrowing in Womelsdorf (Coalton). A larger market lies at Junior, WV about 5 miles away.

Womelsdorf (Coalton) by the numbers

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

Where Womelsdorf (Coalton) sits

Womelsdorf (Coalton)'s land area is roughly 0.4 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 447 residents per square mile. The state's population centre of gravity, Charleston, is roughly 98 miles away. Counting outward 50 miles, 59 larger communities surround Womelsdorf (Coalton). Within the same 50 miles lie 7 smaller Census places.

How West Virginia law applies in Womelsdorf (Coalton)

Below are the West Virginia rules that apply to a loan made in Womelsdorf (Coalton), each with the regulator that issued it.

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
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
Payday lending statusTraditional payday lending is generally prohibited; check cashers are regulated under W. Va. Code ch. 32A
Source says: Traditional "Payday Lenders" are generally prohibited within this state.		West Virginia Division of Financial Institutions (WV DFI)
as of 2026-09-16

What is available to Womelsdorf (Coalton) borrowers

Womelsdorf (Coalton) is a lightly settled community of about 185 people, with 59 larger places inside a 50-mile radius. What is available to Womelsdorf (Coalton)'s 185 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 Junior, WV about 5 miles away.

A practical checklist for Womelsdorf (Coalton) borrowers

Before you hand your details to a lender in Womelsdorf (Coalton), where the population is near 185:

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Confirm the West Virginia licence with the regulator named above before committing.
  5. Test the payment against your current bills before you commit.
  6. Pick the shortest term whose payment you can comfortably afford.
  7. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

The process is identical across West Virginia; what changes is your credit file, not the fact that Womelsdorf (Coalton) holds 185 people.

What a Womelsdorf (Coalton) borrower is actually offered

In Womelsdorf (Coalton), a small community of about 185, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Womelsdorf (Coalton)'s 185 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Womelsdorf (Coalton) decides the split between a comfortable payment and the total interest you pay.

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 Womelsdorf (Coalton) 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 Womelsdorf (Coalton) is the same as anywhere in West Virginia.
What loan size can I expect in Womelsdorf (Coalton)?
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 Womelsdorf (Coalton)?
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 Womelsdorf (Coalton) 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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