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Best Personal Loans for Bad and Good Credit in West Virginia, Payday Loan Laws 2020

EPF Last Update: June 7, 2020
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Best Personal Loans for Bad Credit in West Virginia 2020

Amount

$500 – $10,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

3 – 36 Months

Licensed in West Virginia

Not a direct lender

Amount

$100 - $2,500

Min Credit Score

0

APR

Vary by State

Approval

< 1 Day

Terms

1 - 36 Months

Licensed in West Virginia

Yes

Amount

$1,000 – $5,000

Min Credit Score

0

APR

Vary By State

Approval

< 1 Day

Terms

9 – 36 Months

Licensed in West Virginia

Yes

Amount

$100 – $1,000

Min Credit Score

0

APR

Vary By State

Approval

< 1 Day

Terms

7 – 30 Days

Licensed in West Virginia

Yes

Amount

$1,000 – $10,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

2 – 5 Years

Licensed in West Virginia

Not a direct lender

Amount

$1,000 – $50,000

Min Credit Score

500

APR

3.99% – 35.99%

Approval

< 1 Day

Terms

1 – 5 Years

Licensed in West Virginia

Yes

Amount

$1,000 – $35,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

2 – 5 Years

Licensed in West Virginia

Yes

Amount

$1,000 – $100,000

Min Credit Score

500

APR

5.34% – 35.99%

Approval

< 1 Day

Terms

90 Days – 72 Months

Licensed in West Virginia

Yes

Amount

$1,000 - $100,000

Min Credit Score

0

APR

4.99 - 35.99%

Approval

< 1 Day

Terms

12 - 120 months

Licensed in West Virginia

Yes

Amount

$1,000 – $35,000

Min Credit Score

580

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

90 Days – 72 Months

Licensed in West Virginia

Not a direct lender

Best Good Credit Loans in West Virginia 2020

Amount

$1,000 - $100,000

Min Credit Score

0

APR

4.99 - 35.99%

Approval

1 Day

Terms

12 - 120 months

Licensed in West Virginia

Yes

Amount

$2,000 - $40,000

Min Credit Score

640

APR

7.95% - 35.99%

Approval

1 - 3 Days

Terms

36 - 60 months

Licensed in West Virginia

Yes

Amount

$1,000 – $100,000

Min Credit Score

0

APR

4.99 - 35.99%

Approval

1 Day

Terms

12 - 120 months

Licensed in West Virginia

Yes

Amount

$1,000 – $35,000

Min Credit Score

580

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

90 Days – 72 Months

Licensed in West Virginia

Yes

Amount

$1,000 – $50,000

Min Credit Score

500

APR

3.99% – 35.99%

Approval

< 1 Day

Terms

1 – 5 Years

Licensed in West Virginia

Yes

Amount

$1,000 – $35,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

2 – 5 Years

Licensed in West Virginia

Yes

Amount

$1,000 – $50,000

Min Credit Score

600

APR

7.99% - 35.97%

Approval

< 1 Day

Terms

3 - 5 Years

Licensed in West Virginia

Yes

Amount

$5,000 – $35,000

Min Credit Score

640

APR

5.99% – 24.99%

Approval

1 – 7 Days

Terms

2 - 5 Years

Licensed in West Virginia

Yes

Amount

$2,500-$35,000

Min Credit Score

660

APR

6.99-24.99%

Approval

1 Day

Terms

24 - 84 Months

Licensed in West Virginia

Yes

Amount

$7,500 - $40,000

Min Credit Score

680

APR

6 - 15%

Approval

1 - 7 Days

Terms

36 - 84 months

Licensed in West Virginia

Yes

You can also check out our full list of recommended lenders.

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Payday Loan Laws in West Virginia 2020

According to the law in West Virginia, payday loans are prohibited.

Loans of up to $2,000 and up to 31% APR are allowed.

Payday Loan Laws in West Virginia by Country

ElitePersonalFinance analysis of payday loan laws by countries in the State of West Virginia.

We haven’t found a significant difference between the payday loan laws in West Virginia. If you are with bad credit, here are the laws in West Virginia by country.

City Amount Allowed APR Allowed Status
Charleston $2,000 31% Prohibited
Huntington $2,000 31% Prohibited
Morgantown $2,000 31% Prohibited
Parkersburg $2,000 31% Prohibited
Wheeling $2,000 31% Prohibited
Weirton $2,000 31% Prohibited
Fairmont $2,000 31% Prohibited
Martinsburg $2,000 31% Prohibited
Beckley $2,000 31% Prohibited
Clarksburg $2,000 31% Prohibited
South Charleston $2,000 31% Prohibited
Vienna $2,000 31% Prohibited
St. Albans $2,000 31% Prohibited
Bluefield $2,000 31% Prohibited
Bridgeport $2,000 31% Prohibited
Moundsville $2,000 31% Prohibited
Oak Hill $2,000 31% Prohibited
Dunbar $2,000 31% Prohibited
Elkins $2,000 31% Prohibited
Hurricane $2,000 31% Prohibited
Nitro $2,000 31% Prohibited
Charles Town $2,000 31% Prohibited
Princeton $2,000 31% Prohibited
Buckhannon $2,000 31% Prohibited
Ranson $2,000 31% Prohibited
New Martinsville $2,000 31% Prohibited
Grafton $2,000 31% Prohibited
Keyser $2,000 31% Prohibited
Westover $2,000 31% Prohibited
Barboursville $2,000 31% Prohibited
Point Pleasant $2,000 31% Prohibited
Weston $2,000 31% Prohibited
Lewisburg $2,000 31% Prohibited
Ravenswood $2,000 31% Prohibited
Philippi $2,000 31% Prohibited
Summersville $2,000 31% Prohibited
Ripley $2,000 31% Prohibited
Pleasant Valley $2,000 31% Prohibited
Kenova $2,000 31% Prohibited

Auto Title Loan Laws in West Virginia 2020

Auto title loans in West Virginia are prohibited.

Best Auto Loans for Bad Credit in West Virginia 2020

Amount

$1,000 - $100,000

Min Credit Score

0

APR

From 1.99%

Licensed in West Virginia

Yes

Amount

$1,000 - $100,000

Min Credit Score

0

APR

From 1.99%

Licensed in West Virginia

Yes

Amount

Up to $100,000

Min Credit Score

0

APR

Vary

Licensed in West Virginia

Yes

Amount

Up to $100,000

Min Credit Score

0

APR

Vary

Licensed in West Virginia

Yes

Amount

Up to $100,000

Min Credit Score

0

APR

Vary

Licensed in West Virginia

Yes

Amount

$8,000 - $100,000

Min Credit Score

500

APR

2.74% - 27%

Licensed in West Virginia

Yes

Amount

$1,000 - $100,000

Min Credit Score

500

APR

From 3.09%

Licensed in West Virginia

Yes

Amount

$250 - $500,000

Min Credit Score

640

APR

2.99% - 21.99%

Licensed in West Virginia

Yes

Amount

$1,500 - $20,000

Min Credit Score

0

APR

18.00% - 35.99%

Licensed in West Virginia

Yes

Amount

$1,000 - $45,000

Min Credit Score

0

APR

From 0.99%

Licensed in West Virginia

Yes

Amount

$1,000 - $35,000

Min Credit Score

0

APR

From 1.99%

Licensed in West Virginia

Yes

Amount

$7,500 - $50,000

Min Credit Score

500

APR

From 3.39%

Licensed in West Virginia

Yes

Amount

$5,000 – $55,000

Min Credit Score

510

APR

3.99% - 24.99%

Licensed in West Virginia

Yes

Amount

$1,000 - $100,000

Min Credit Score

0

APR

3.90% - 27.90%

Licensed in West Virginia

Yes

Best Auto Loans for Good Credit in West Virginia 2020

Amount

$1,000 - $100,000

Min Credit Score

0

APR

From 1.99%

Licensed in West Virginia

Yes

Amount

$1,000 - $100,000

Min Credit Score

0

APR

From 1.99%

Licensed in West Virginia

Yes

Amount

$1,000 - $100,000

Min Credit Score

500

APR

From 3.09%

Licensed in West Virginia

Yes

Amount

$250 - $500,000

Min Credit Score

640

APR

2.99% - 21.99%

Licensed in West Virginia

Yes

Amount

$5,000-$100,000

Min Credit Score

660

APR

4.99% to 9.19%

Licensed in West Virginia

Yes

Amount

$7,500 - $50,000

Min Credit Score

500

APR

From 3.39%

Licensed in West Virginia

Yes

Amount

$8,000 - $100,000

Min Credit Score

500

APR

2.74% - 27%

Licensed in West Virginia

Yes

Amount

$1,000 - $100,000

Min Credit Score

0

APR

3.90% - 27.90%

Licensed in West Virginia

Yes

Amount

$3,000 - $100,000

Min Credit Score

650

APR

From 3.12%

Licensed in West Virginia

Yes

Amount

$5,000 - $100,000

Min Credit Score

640

APR

From 3.54%

Licensed in West Virginia

Yes

Amount

$5,000 – $55,000

Min Credit Score

510

APR

3.99% - 24.99%

Licensed in West Virginia

Yes

Amount

$5,000 - $100,000

Min Credit Score

600

APR

3.54% - 10.24%

Licensed in West Virginia

Yes

Amount

$1,500 - $20,000

Min Credit Score

0

APR

18.00% - 35.99%

Licensed in West Virginia

Yes

FHA Loans in West Virginia

West Virginia has 55 counties with FHA Limits ranging from a low of $331,760 for a 1-bedroom unit in Barbour County to a high of $1,472,550 for a 4-bedroom unit in Jefferson County.

County Single Unit Limit (lowest) Four-Plex Limit (highest)
Barbour County $331,760 $638,100
Berkeley County $331,760 $638,100
Boone County $331,760 $638,100
Braxton County $331,760 $638,100
Brooke County $331,760 $638,100
Cabell County $331,760 $638,100
Calhoun County $331,760 $638,100
Clay County $331,760 $638,100
Doddridge County $331,760 $638,100
Fayette County $331,760 $638,100
Gilmer County $331,760 $638,100
Grant County $331,760 $638,100
Greenbrier County $331,760 $638,100
Hampshire County $331,760 $638,100
Hancock County $331,760 $638,100
Hardy County $331,760 $638,100
Harrison County $331,760 $638,100
Jackson County $331,760 $638,100
Jefferson County $765,600 $1,472,550
Kanawha County $331,760 $638,100
Lewis County $331,760 $638,100
Lincoln County $331,760 $638,100
Logan County $331,760 $638,100
Marion County $331,760 $638,100
Marshall County $331,760 $638,100
Mason County $331,760 $638,100
Mcdowell County $331,760 $638,100
Mercer County $331,760 $638,100
Mineral County $331,760 $638,100
Mingo County $331,760 $638,100
Monongalia County $331,760 $638,100
Monroe County $331,760 $638,100
Morgan County $331,760 $638,100
Nicholas County $331,760 $638,100
Ohio County $331,760 $638,100
Pendleton County $331,760 $638,100
Pleasants County $331,760 $638,100
Pocahontas County $331,760 $638,100
Preston County $331,760 $638,100
Putnam County $331,760 $638,100
Raleigh County $331,760 $638,100
Randolph County $331,760 $638,100
Ritchie County $331,760 $638,100
Roane County $331,760 $638,100
Summers County $331,760 $638,100
Taylor County $331,760 $638,100
Tucker County $331,760 $638,100
Tyler County $331,760 $638,100
Upshur County $331,760 $638,100
Wayne County $331,760 $638,100
Webster County $331,760 $638,100
Wetzel County $331,760 $638,100
Wirt County $331,760 $638,100
Wood County $331,760 $638,100
Wyoming County $331,760 $638,100

Business Loans in West Virginia

Amount

Up to $10,000,000

APR

Vary

Min Credit Score

0

Licensed in West Virginia

Yes

Amount

$5,000 - $500,000

APR

9.77% - 35.98%

Min Credit Score

600

Licensed in West Virginia

Yes

Amount

$5,000 - $500,000

APR

5.99% – 35.99%

Min Credit Score

500

Licensed in West Virginia

Yes

Amount

Up to $250,000

APR

24% – 99%

Min Credit Score

560

Licensed in West Virginia

Yes

Amount

Up to $350,000

APR

9.28 - 10.52%

Min Credit Score

650

Licensed in West Virginia

Yes

Amount

Up to $350,000

APR

10.00 - 25.00%

Min Credit Score

680

Licensed in West Virginia

Yes

Amount

$75,000 - $5,000,000

APR

5.50 - 8.25%

Min Credit Score

650

Licensed in West Virginia

Yes

Amount

Up to $500,000

APR

12.18 - 36.00%

Min Credit Score

660

Licensed in West Virginia

Yes

Amount

Up to $500,000

APR

9.00 - 99.00%

Min Credit Score

600

Licensed in West Virginia

Yes

Amount

Up to $5,000,000

APR

15.00 - 78.00%

Min Credit Score

600

Licensed in West Virginia

Yes

Amount

Up to $1,000,000

APR

Vary

Min Credit Score

0

Licensed in West Virginia

Yes

Amount

$6,000 to $250,000

APR

Vary

Min Credit Score

0

Licensed in West Virginia

Yes

All Licensed Credit Unions in West Virginia

Name City Size (Millions) Members
FIRST CHOICE AMERICA COMMUNITY FEDERAL CREDIT UNION Weirton $359.22 39543
FAIRMONT FEDERAL CREDIT UNION Fairmont $262.21 37907
BAYER HERITAGE FEDERAL CREDIT UNION New Martinsville $274.61 27155
WEST VIRGINIA CENTRAL CREDIT UNION Parkersburg $93.20 18872
STAR USA FEDERAL CREDIT UNION Charleston $160.97 18848
WEST VIRGINIA FEDERAL CREDIT UNION Charleston $165.76 12806
PIONEER WEST VIRGINIA FEDERAL CREDIT UNION Charleston $136.90 12497
FIRST PRIORITY FEDERAL CREDIT UNION Huntington $52.34 11293
PEOPLES FEDERAL CREDIT UNION Nitro $88.40 10094
THE STATE CREDIT UNION Charleston $50.43 10080
167TH TFR FEDERAL CREDIT UNION Martinsburg $41.32 8655
THE UNITED FEDERAL CREDIT UNION Morgantown $60.52 7218
MEMBERS CHOICE WV FEDERAL CREDIT UNION Charleston $84.60 7012
ONE COMMUNITY FEDERAL CREDIT UNION Parkersburg $59.74 6973
UNIVERSAL FEDERAL CREDIT UNION Huntington $62.08 6427
CAMC FEDERAL CREDIT UNION Charleston $53.85 5730
HUNTINGTON C & O RAILWAY EMPLOYEES FEDERAL CREDIT UNION Huntington $31.36 5472
RAVENSWOOD FEDERAL CREDIT UNION Ravenswood $29.21 5235
WVU EMPLOYEES FEDERAL CREDIT UNION Morgantown $25.60 5133
MOUNTAIN HERITAGE FEDERAL CREDIT UNION Parkersburg $27.69 5059
MORGANTOWN A E S FEDERAL CREDIT UNION Morgantown $35.54 4976
WV UNITED FEDERAL CREDIT UNION Charleston $26.23 4719
KEMBA CHARLESTON FEDERAL CREDIT UNION Dunbar $37.59 4592
HUNTINGTONIZED FEDERAL CREDIT UNION Huntington $22.86 4306
EASTERN PANHANDLE FEDERAL CREDIT UNION Martinsburg $13.77 3828
TRIVANTAGE COMMUNITY FEDERAL CREDIT UNION Huntington $17.77 3787
LONG REACH FEDERAL CREDIT UNION Friendly $34.18 3719
STRIP STEEL COMMUNITY FEDERAL CREDIT UNION Weirton $40.46 3661
METRO COMMUNITY FEDERAL CREDIT UNION Huntington $26.11 3230
WOOD COUNTY COMMUNITY FEDERAL CREDIT UNION Parkersburg $16.94 3228
ALLOY FEDERAL CREDIT UNION Valley $19.36 3156
CWV TEL FEDERAL CREDIT UNION Clarksburg $24.28 2983
UNION TRADES FEDERAL CREDIT UNION Parkersburg $18.80 2874
HARRISON COUNTY FEDERAL CREDIT UNION Nutter Fort $13.61 2705
HOPE FEDERAL CREDIT UNION Clarksburg $34.72 2691
MARTINSBURG V.A. CENTER FEDERAL CREDIT UNION Tuscarora $11.68 2603
NATIONAL EMPLOYEES FEDERAL CREDIT UNION Bluefield $7.82 2574
CHHE FEDERAL CREDIT UNION Huntington $15.74 2562
MARSHALL COUNTY FEDERAL CREDIT UNION Moundsville $10.85 2518
TRI-STATE FEDERAL CREDIT UNION Huntington $10.06 2323
RALEIGH CO. EDUCATORS FEDERAL CREDIT UNION Beckley $19.65 2265
TRI AG W VA FEDERAL CREDIT UNION Morgantown $12.62 2181
CHA-TEL FEDERAL CREDIT UNION Charleston $10.08 2116
TIN MILL EMPLOYEES FEDERAL CREDIT UNION Weirton $18.41 1994
WEE FEDERAL CREDIT UNION Parkersburg $12.53 1859
RALEIGH COUNTY FEDERAL CREDIT UNION Beckley $7.03 1827
WV NATIONAL GUARD FEDERAL CREDIT UNION Charleston $32.12 1814
PUTNAM SCHOOL EMPLOYEES FEDERAL CREDIT UNION Eleanor $10.15 1766
IBEW 317 FEDERAL CREDIT UNION Huntington $18.32 1649
ATLANTIC GREYHOUND FEDERAL CREDIT UNION Charleston $5.06 1627
MERCER COUNTY W VA TEACHERS FEDERAL CREDIT UNION Bluefield $6.59 1619
C C M H FEDERAL CREDIT UNION Parkersburg $4.12 1607
PRESTON FEDERAL CREDIT UNION Kingwood $21.59 1557
HANCOCK SCHOOL EMP. FEDERAL CREDIT UNION Weirton $14.44 1543
BERKELEY COUNTY PUBLIC SCHOOLS FEDERAL CREDIT UNION Martinsburg $3.89 1493
UNITED HOSPITAL CENTER FEDERAL CREDIT UNION Bridgeport $9.28 1473
WILLOW ISLAND FEDERAL CREDIT UNION St Marys $5.66 1437
SOUTH CHARLESTON EMPLOYEES FEDERAL CREDIT UNION South Charleston $19.76 1419
TELBEC FEDERAL CREDIT UNION Beckley $12.01 1417
MARION COUNTY SCHOOL EMPLOYEES FEDERAL CREDIT UNION Fairmont $9.14 1403
APPALACHIAN POWER EMPLOYEES FEDERAL CREDIT UNION Huntington $7.98 1299
FAYETTE FEDERAL CREDIT UNION Mt Hope $14.50 1211
CLARKSBURG AREA POSTAL EMPLOYEES FEDERAL CREDIT UNION Clarksburg $11.34 1176
CHARLESTON FEDERAL CREDIT UNION Charleston $7.81 1171
PACE FEDERAL CREDIT UNION Huntington $8.09 1148
ROMNEY FEDERAL CREDIT UNION Romney $5.72 1148
WAYCOSE FEDERAL CREDIT UNION Huntington $2.98 1096
WHETELCO FEDERAL CREDIT UNION Wheeling $4.66 1002
TWIN OAKS FEDERAL CREDIT UNION Apple Grove $5.26 978
NATRIUM EMPLOYEES FEDERAL CREDIT UNION 2 $7.37 936
OHIO COUNTY PUBLIC SCHOOLS FEDERAL CREDIT UNION Wheeling $5.42 891
CITY OF CLARKSBURG FEDERAL CREDIT UNION Clarksburg $7.65 874
CHARLESTON POSTAL FEDERAL CREDIT UNION Charleston $3.60 767
BLENNERHASSETT FEDERAL CREDIT UNION Vienna $6.27 761
ALDERSON FCI FEDERAL CREDIT UNION Alderson $5.12 735
IBEW 141 FEDERAL CREDIT UNION Wheeling $1.91 683
LOGAN COUNTY SCHOOL EMPLOYEES FEDERAL CREDIT UNION Logan $1.36 645
HUNTINGTON WEST VA FIREMENS FEDERAL CREDIT UNION Huntington $4.29 632
IBEW 466 FEDERAL CREDIT UNION Charleston $2.88 613
SOUTH BERKELEY FEDERAL CREDIT UNION Martinsburg $2.09 595
MOUNTAIN VALLEY FEDERAL CREDIT UNION Nitro $6.98 584
CABWAY TELCO FEDERAL CREDIT UNION Huntington $5.02 488
TEAMSTERS LOCAL 697 FEDERAL CREDIT UNION Wheeling $1.07 473
IBEW 968 FEDERAL CREDIT UNION Parkersburg $5.25 421
PLUMBERS & STEAMFITTERS LO 83 FEDERAL CREDIT UNION Wheeling $1.05 414
RANDOLPH COUNTY SCHOOL EMPLOYEES FEDERAL CREDIT UNION Elkins $1.28 392
LOCAL NO. 317 I.A.F.F. CREDIT UNION Charleston $6.57 388
MINGO COUNTY EDUCATION FEDERAL CREDIT UNION Williamson $1.41 377
BLUEFIELD MUNICIPAL EMPLOYEES FEDERAL CREDIT UNION Bluefield $0.52 363
U S EMPLOYEES FEDERAL CREDIT UNION Fairmont $0.82 351
RMH FEDERAL CREDIT UNION Glen Dale $1.04 326
CITY OF FAIRMONT FEDERAL CREDIT UNION Fairmont $1.62 313
STEEL CRETE EMPLOYEES FEDERAL CREDIT UNION Beech Bottom $1.50 290
MAIL POUCH FEDERAL CREDIT UNION Wheeling $1.32 210
O. F. TOALSTON FEDERAL CREDIT UNION Logan $0.31 163
NOVAMONT EMP. FEDERAL CREDIT UNION Kenova $0.73 162
EAGLE CAN EMPLOYEES FEDERAL CREDIT UNION Wellsburg $0.57 152
WHEELING PITTSBURGH STEEL OFFICE FEDERAL CREDIT UNION Wheeling $1.72 146
MONROE COUNTY SCHOOL EMPLOYEES FEDERAL CREDIT UNION Philippi $0.44 143
VALLEY BELL FEDERAL CREDIT UNION Charleston $0.32 140
W. VIRGINIA STATE CONVENTION CREDIT UNION Plateau $0.22 138
MILDRED MITCHELL-BATEMAN HOSPITAL FEDERAL CREDIT UNION Huntington $0.05 112
VALLEY BOARD FEDERAL CREDIT UNION Harpers Ferry $0.17 106
MCDOWELL COUNTY FEDERAL CREDIT UNION North Elkin $0.04 43

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