West Virginia Loans – Payday Loans in West Virginia

Q: Are payday loans in West Virginia legal?

Payday loans in West Virginia are prohibited . You may look at alternative loan options, like installment loans , tribal loans , or a line of credit .

The Best Loans in West Virginia 2022: Compare Rates

Written by: Financer.com

Last updated: August 3, 2022

Financer.com helps you compare online loan rates in West Virginia. Compare different loan options in West Virginia and read more about the payday loan laws in the state.

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Compare Loans in West Virginia for November 2023

Borrow $10,000 for a period of 3 Years.

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Amount: $10,000 | Period: 3 Years

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recommended

Chosen 31,878 times

4.9

Read 14 reviews

recommended

Chosen 31,878 times

Loan amount

$10,000

APR:

5.99% - 35.99%

Total Payment

$10,951.90

for 3 years

Monthly payback

$304.22

for 3 years

4.9

Read 14 reviews

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Customer Type

All

Borrow up to

$35,000

Estimated Payback

13/11/2026

Weekend Payout

Age

14 Reviews

4.9

Interest & Costs

Flexibility & Terms

Website & Functionality

Support & Service

View Company Profile

Chosen 3,308 times

4.0

Read 3 reviews

Chosen 3,308 times

Loan amount

$10,000

APR:

6.00% - 36.00%

Total Payment

$10,951.90

for 3 years

Monthly payback

$304.22

for 3 years

4.0

Read 3 reviews

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Customer Type

All

Borrow up to

$25,000

Estimated Payback

13/11/2026

Weekend Payout

Age

3 Reviews

4.0

Interest & Costs

Flexibility & Terms

Website & Functionality

Support & Service

View Company Profile

Chosen 8,639 times

N/A

Read 0 reviews

Chosen 8,639 times

Loan amount

$10,000

APR:

6.00% - 35.99%

Total Payment

$10,951.90

for 3 years

Monthly payback

$304.22

for 3 years

N/A

Read 0 reviews

Open right now

Get Started

Customer Type

All

Borrow up to

$50,000

Estimated Payback

13/11/2026

Weekend Payout

Age

0 Reviews

N/A

Interest & Costs

Flexibility & Terms

Website & Functionality

Support & Service

View Company Profile

Important

Please note that loan amounts, interest rates and other loan terms may vary according to your state and credit profile.

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How to Compare Loans in West Virginia

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Best Rated Personal Loans

Find the best rated lenders for loans in West Virginia

4.9

Based on 16 reviews

4.8

Based on 4 reviews

4.8

Based on 4 reviews

4.7

Based on 7 reviews

4.6

Based on 20 reviews

4.3

Based on 5 reviews

4.3

Based on 39 reviews

4.3

Based on 24 reviews

4.2

Based on 11 reviews

4.1

Based on 87 reviews

Loans in West Virginia

Residents of Virginia may sometimes find themselves in need of cash. If you want to take out a loan or line of credit in West Virginia, we share a quick guide on payday loans in WV and online alternatives from lenders in the state.

There are many lenders offering installment loans even for borrowers with bad credit. Browse through the list of West Virginia lenders listed on this site to be matched with West Virginia installment loans.

These types of loans require you to pay the borrowed money in installments over a predetermined timeframe.

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The Advantages of West Virginia Loans

Online Personal Loans Are Convenient

Get Funds As Soon As The Same Day

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Less Paperwork Required

Regulations On West Virginia Payday Loans

All consumers need to be fully educated on the risks that come with quick cash advances before taking out a West Virginia payday loan. The lender has an obligation to explain to you the total cost, the interest r

West Virginia payday loans are illegal. Thus, West Virginia lenders cannot provide short-term loans to customers in this state. Consumers in the state may still find alternative means to West Virginia personal loans.

This prohibition of cash advances also applies to out-of-state lenders who wish to provide West Virginia payday loans.

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Loan Alternatives in West Virginia State

Credit Cards

There is a huge selection of credit cards worth considering if you are in need of credit in West Virginia. This is also a good option if you want reasonable payments and low-interest rates.

Payday Loans from Other States

You can consider applying for online payday loans in West Virginia. Although payday lending is prohibited in this state, you can apply for an online loan from other states. You will need to provide documented proof of residence in another state.

Tribal Loans

Tribal lenders offer cash advances to borrowers who reside in states where payday lending is illegal.

Tribal lenders are immune to the laws governing lending in the states where they operate.

Limitations on Interest Rates

It is normal for regulatory bodies to place a cap on interest rates. This is often to limit cases of exploitation by lenders who set exorbitant rates.

The state of West Virginia is not an exception. There is a 31% rate cap on a loan of $2,000 or less.

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Get the Loan You Need

An online personal loan can help when you need cash for large purchases or unplanned expenses.

Holiday

Wedding

Home Renovations

Bills

Shopping

Education

West Virginia Payday Lending

According to the West Virginia Division of Financial Institutions states that payday lenders are generally prohibited in the state.

Many states offer payday loan services through check-cashing businesses. However, according to the lending laws of the state, it’s not an option in West Virginia.

In fact, there is a ban on payday cash advances prohibiting businesses functioning in the territory of West Virginia to provide customers short-term payday loans.

Find an installment loan in WV >

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Compare West Virginia Loans at Financer.com

Financer.com helps you compare the best personal loans in West Virginia and get the best loan rates from leading lenders.

We look for lenders that offer full transparency and have a long track record of successful lending and satisfied customers. We are always improving our comparisons, but are confident in what we can bring to market, and we know you will be as well.

Use our free loan comparison tool to find the right personal loan in West Virginia and take the guesswork out of doing all the legwork yourself.

West Virginia Loans - FAQs

Are payday loans in West Virginia legal?

Payday loans in West Virginia are prohibited. You may look at alternative loan options, like installment loans, tribal loans, or a line of credit.