Get Personal Loan Offers in West Virginia – One Simple Form
West Virginia · online request
Personal Loans for unexpected costs: request $500 to $5,000 online
One short form for consumer installment loans with fixed monthly payments, offers from licensed lenders, and money sent to your bank account if you are approved. Larger personal loan requests up to $35,000 are also accepted.
How much do you need?
Monthly payment—
Total interest—
Estimate uses 31% APR, the West Virginia cap for this loan size, repaid over 12 months. Your lender must disclose the exact APR and total cost. Your offer may differ.
Check my offersFree to request · No obligation · Takes a few minutes
- West Virginia lenders must be licensed by the state
- Full cost and APR shown before you sign
- All credit types can apply; lenders may check credit
Personal Loans in West Virginia, requested online
West Virginia residents can request consumer installment loans of $500 to $5,000 online from any of the 750 West Virginia cities we cover. Traditional payday loans are generally prohibited in West Virginia. At 31% APR, a $1,000 loan repaid over 12 months costs about $97.98 a month, or $175.76 in interest in total.
What West Virginia law says
- Traditional payday loans are generally prohibited in West Virginia.
- Consumer installment loans under this law: up to $15,000.
- Rate limit: Unsecured loans of $3,500 or less: up to 31% a year. Loans from $3,500 to $15,000: up to 27% a year. Loans over $15,000: up to 18% a year.
- Fees: On loans of $3,500 or less no points or origination fees are allowed, except that closed-end loans of $2,000 or less may carry 31% interest plus up to 2 points. Closed-end loans of $3,500 to $15,000 may carry up to 2 points.
- Lenders must be licensed by the West Virginia Division of Financial Institutions and must disclose the APR and total cost before you sign.
Good to know
- Traditional payday lenders are generally prohibited in West Virginia.
- Unsecured consumer loans of $3,500 or less are capped at 31% a year.
- Loans from $3,500 to $15,000 are capped at 27% a year, and loans over $15,000 at 18%.
- Lenders making regulated consumer loans (finance charge above 18% a year) need a license from the Division of Financial Institutions.
- The Division of Financial Institutions can be reached at 304-558-2294 with questions about licensed lenders.
Problem with a lender? Contact the West Virginia Division of Financial Institutions at 304-558-2294 · file a complaint online, or the CFPB. Active-duty service members and their dependents are covered by the Military Lending Act 36% rate cap.
Why request online
One form, several providersFill in your details once instead of applying lender by lender.
All credit types can applyProviders look at income and banking history, not only your credit score. Lenders may still check your credit.
No hidden costsLenders must show the fee, interest and APR before you sign. You can say no.
Direct depositIf you accept an offer, funds go straight to your checking account, often by the next business day.
How it works
1RequestFill in a short form with your West Virginia address, income and checking account.
2Review your offerSee the amount, fee, APR and due date. Compare the total you repay.
3Get your moneyAccept and e-sign. Funding time depends on the provider and your bank.
You will need:Age 18+Government IDRegular incomeActive checking accountPhone and email
Small-Loan Rules in West Virginia
Traditional high-cost payday effectively prohibited
| Maximum amount | No payday loans |
|---|---|
| Loan term | No payday loans |
| Rate / fee rule | General usury/consumer-credit limits make classic payday pricing unavailable |
| Regulatory basis | West Virginia consumer-credit/usury law |
Key Rules
- No payday-specific high-cost authorization
Alternative Loan Options in West Virginia
- Licensed installment/personal loan
- credit-union PAL
- bank small-dollar loan
- EWA
Regulatory reference: the statutes listed in this table and the state regulator. State rules can change; confirm current terms before borrowing.
Largest West Virginia cities
Questions people ask
Are payday loans legal in West Virginia?
Traditional payday loans are generally prohibited in West Virginia. You can request consumer installment loans from licensed lenders instead.
What can I borrow instead of a payday loan in West Virginia?
Consumer installment loans of $500 to $5,000, repaid in fixed monthly payments. Unsecured loans of $3,500 or less: up to 31% a year. Loans from $3,500 to $15,000: up to 27% a year. Loans over $15,000: up to 18% a year.
How much does a $1,000 loan cost in West Virginia?
At 31% APR, a $1,000 loan repaid over 12 months costs about $97.98 a month, or $175.76 in interest in total. Your lender must show the APR and total cost before you sign.
Where can I complain about a lender in West Virginia?
Contact the West Virginia Division of Financial Institutions at 304-558-2294 or the CFPB at consumerfinance.gov/complaint.
Ready to see your options in West Virginia?
It takes a few minutes and costs nothing to ask. You decide after you see the full cost.
Check my offersWe pass your request to participating lenders. A request does not guarantee an offer; approval, amount and funding time depend on the provider.
Resources
All West Virginia cities we cover
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