Payday loans in West Virginia |
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Compare your loan options in West Virginia

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Thinking about a payday loan in West Virginia? We have the info you need.

You might be considering a payday loan if you’ve found yourself short on cash and looking to borrow a small amount of money, but you’ll need to find other options if you live in West Virginia. Take a look through our guide on payday lending to learn about the laws and how you can find other sources of short-term credit.

Our top pick: CashUSA Installment Loans

  • Min. Loan Amount: $500
  • Max. Loan Amount: $10,000
  • Turnaround Time: As early as 1 business day
  • Loan Term: 90 days to 72 months
  • Requirements: Must have a monthly income of $1,000+ after taxes and valid checking account.
  • Bad credit is OK
  • No application fee
  • Debt education resources

Our top pick: CashUSA Installment Loans

An online connection service for quick cash loans.

  • Min. Loan Amount: $500
  • Max. Loan Amount: $10,000
  • Turnaround Time: As early as 1 business day
  • Loan Term: 90 days to 72 months
  • Requirements: Must have a monthly income of $1,000+ after taxes and valid checking account.

Can I get a payday loan in West Virginia?

Payday lending is illegal in West Virginia. As per West Virginia Code 46A-4-107 and 32A-3-1 et. seq., businesses can’t provide payday loans to their customers. This also applies to online lenders.

Consumer loan laws of West Virginia place an APR cap of 31% on loans of $2,000 or less. This makes it so payday lenders–which often charge interest rates well over 400%–can’t work within the state.

Here are some installment loans you might want to consider

Be sure to read about how installment loans work and confirm the lender you choose operates in West Virginia.

Updated April 23rd, 2019
Name Product Filter Values Max. Loan Amount Turnaround Time Requirements
1 business day
Must have direct deposit and meet minimum income requirements
Installment loans with competitive rates from a top-rated direct lender.
1 to 2 business days
Must have an active checking account, regular source of income and email address.
Installment loans with repayment terms up to 30 months, depending on your state.
1 business day
Must be employed and receive regular income, earn at least $800 a month, have a checking account and be an 18+ years old legal US citizen.
Get a flexible installment loan with fast funding through one easy online application form.
As soon as next business day
Must be at least 18 years old and have a verifiable source of income with direct deposit into your checking account.
Get an installment loan from an online tribal lender. Perks for returning borrowers.
1 business day
You must be a US citizen or permanent resident, age 18+ and have a regular income.
Apply online with this loan-connection service offering unrestricted short-term loans with fast turnaround.
As early as 1 business day
Must have a monthly income of $1,000+ after taxes and valid checking account.
An online connection service for quick cash loans.
Varies by state
1 business day
You must be a US citizen or permanent resident, be at least 18 years old and have regular income and a bank account.
Apply for a short-term loan with an easy online application and dedicated customer service.

Compare up to 4 providers

What other options are there in West Virginia?

Even though you can’t take out a payday loan, there are still ways to get quick cash and meet your financial needs. The West Virginia Supplemental Nutrition Assistance Program (SNAP) and West Virginia Bureau for Medical Services can help you with your food and medical bills while you pay down your debt. The list and link below have even more options.

  • Take out a credit card cash advance. If you have a credit card, you may be able to take out a cash advance on the remaining line of credit. It is a costly option, but you’ll have more time to pay it off than with a payday loan.
  • Find a credit counselor. It’s not quick cash, but a credit counselor can help you create a budget to avoid future financial shortfalls.
  • Ask friends and family for help. hen all else fails, turning to a friend or family member for help may be just what you need to get through a rough patch. See if they’re able to front you the money, but be sure to pay it back quickly to avoid strained relationships.

You can read our full list of alternatives here

What do other types of loans cost in West Virginia?

It largely depends on the lender and your credit score. You won’t know how much a loan costs until you’re offered a contract. If this happens, be sure to read it entirely and make sure you can afford it. Otherwise, you could find yourself struggling to pay yet another bill on top of your normal daily expenses.

Bottom line

Although you can’t get a payday loan in West Virginia, there are plenty of other options to help you get by when you’re in need of quick cash.

Frequently asked questions

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2 Responses

  1. Default Gravatar
    ThereseSeptember 20, 2018

    I would like to see if I could get $2000 or $2500, please?

    • finder Customer Care
      JhezSeptember 20, 2018Staff

      Hello Therese,

      Thank you for your comment.

      We could not tell if you can get a loan of $2000 to $2500 as this would be under the decision of the lender you are applying on. Please note that each lender has its own eligibility criteria and requirements that you must meet before you apply. The amount they will approve you of will depend on many factors such as the credit score and your capacity to repay the loan. Please make sure that you’ve read the relevant T&Cs or PDS of this account to help consider whether the product is right for you.

      If necessary, please speak to the lender directly. Please enter your zip code above and compare lenders available in your state.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.


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