Payday loans in West Virginia | finder.com
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Compare your loan options in West Virginia

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.

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.

Rates last updated April 23rd, 2018
Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
Name Product Product Description Maximum Loan Amount Term of Loan Turnaround Time Requirements
OppLoans Installment Loans
Installment loans with competitive rates from a top-rated direct lender.
$4,000
9 to 36 months
1 business day
Open to residents of AL, AK, AZ, CA, DE, FL, GA, ID, IL, IN, KS, KY, MI, MN, MO, MS, NE, NV, NM, OH, OK, OR, SC, TN, TX, UT, VA, WI and WY. Must have direct deposit and meet minimum income requirements.
CashUSA Installment Loans
$10,000
90 days to 72 months
As early as 1 business day
Monthly income of $1,000+ after taxes and valid checking account.
Slam Dunk Loans
Potentially get approved for a short-term loan through this lender-connection service, even with poor credit history.
$2,500
Varies by lender
As soon as next business day
Must be employed, receive regular income, earn at least $800 a month, have a checking account, be 18+ yrs old and a US citizen.
BadCreditLoans.com
With straightforward, simple qualifications, these loans offer easy approval for people with poor credit.
$5,000
3 to 36 months
Varies
Depending on lender requirements, people from all 50 states may not be eligible for a personal loan.
Blue Trust Loans Installment Loans
Get an installment loan from an online tribal lender. Perks for returning borrowers.
$2,000
6 months
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.
CashNetUSA Loan
Apply for a short-term loan with an easy online application and dedicated customer service.
Varies by state
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.
HonestLoans Installment Loans
Get a flexible installment loan with fast funding through one easy online application form.
$2,500
Varies by lender
As soon as one 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.
MaxLend Installment Loans
Get up to $1,000 as a first-timer, with loans of up to $2,000 and lower APRs for repeat borrowers.
$2,000
6 months
As soon as the next business day
Must be at least 18 years old and a US citizen, have a valid bank account and provide a verifiable source of income.

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.

Do you have more questions about payday loan laws in Virginia?

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US Payday Loans Offers

Important Information*
Slam Dunk Loans

Potentially get approved for a short-term loan through this lender-connection service, even with poor credit history.

LendUp Payday Loans

LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.

Check into Cash Payday Loan

With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.

OppLoans Installment Loans

Installment loans with competitive rates from a top-rated direct lender.

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