Loans in Augusta County, VA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Augusta County, VA.
The median household in Augusta County earns $82,049 a year, 12% below the Virginia median of $93,170. About 7% of residents live below the federal poverty line, and 19.8% of households rent their home. 11.8% of households have no home internet; our form works on any phone.
What you need for a payday loan in Augusta County
Most Augusta County applicants can finish in one sitting if they have these ready:
- Be 18 or older (19 in some states) and a US resident
- A government-issued photo ID
- A steady source of income — a job, benefits or self-employment
- An active checking account in your name for the deposit
- A working phone number and email address
Popular loan amounts in Augusta County
What Augusta County borrowers use it for
cover a short gap before payday
Medical billspay a doctor, dentist or pharmacy bill now
Moving costsdeposits, trucks and first-week expenses
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Augusta County
Payday Loans Legal
Payday-style loans are legal in Virginia only as 'short-term loans' from lenders licensed under Chapter 18 of Title 6.2, as rewritten by the Fairness in Lending Act (effective…
Personal Loans
36% simple annual interest on licensed $300-$35,000 installment loans.
Title Loans Legal
Car title loans are legal in Virginia from lenders licensed under Chapter 22 of Title 6.2.
Banks and credit unions in Augusta County
Banks with branches in Augusta County
10 FDIC-insured bank branches from 7 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| City National Bank of West Virginia | 2 | 2658 Stuarts Draft Hwy, Stuarts Draft 24477 |
| United Bank | 2 | 54 Franklin St, Weyers Cave 24486 |
| Farmers & Merchants Bank | 2 | 30 Gosnell Xing, Staunton 24401 |
| Atlantic Union Bank | 1 | 374 Lee Hwy, Verona 24482 |
| Pendleton Community Bank, Inc. | 1 | 478 Frontier Dr, Staunton 24401 |
| Truist Bank | 1 | 4033 Lee Jackson Hwy, Greenville 24440 |
| Burke & Herbert Bank & Trust Company | 1 | 23 Scenic Hwy, Churchville 24421 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Augusta County
6 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Dupont Community | 315 Lee Hwy, Verona 24482 |
| Valleystar | 19 Myers Corner Dr Ste A01, Staunton 24401 |
| Augusta County | 18 Government Center Ln, Verona 24482 |
| Augusta Health Care Credit Union | 78 Medical Center Dr, Fishersville 22939 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Augusta County
All Virginia counties and cities
Frequently asked questions
Are payday loans legal in Augusta County?
Augusta County follows Virginia law. Payday-style loans are legal in Virginia only as 'short-term loans' from lenders licensed under Chapter 18 of Title 6.2, as rewritten by the Fairness in Lending Act (effective January 1, 2021).
Are title loans legal in Augusta County?
Car title loans are legal in Virginia from lenders licensed under Chapter 22 of Title 6.2.
Where can I get a small loan in Augusta County?
Options include 10 bank and 6 credit-union locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Augusta County?
Fill out our short online form from anywhere in Augusta County. We share it with lenders in our network that serve Virginia; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Can I apply for a loan online in Augusta County?
Yes. You don't need to visit a branch or storefront anywhere in Augusta County. Our secure online form works on your phone or computer, takes about 3 minutes, and connects you with lenders in our network that serve Virginia. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.
Where can I get a loan in Augusta County, VA?
You can apply at banks, credit unions and lenders in Augusta County, or apply online from anywhere in the county. Online requests are often the quickest way to reach several lenders at once. Our free form sends a single request to lenders in our network that serve Virginia residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.
Can I get a loan in Augusta County with bad credit?
Yes, many lenders in our network work with Augusta County residents who have fair, poor or limited credit. They look at your income and ability to repay, not just your score, and some use alternative credit data instead of a traditional hard pull. Approval isn't guaranteed, but checking is free and takes about 3 minutes. Loan amounts range from $100 to $5,000.
Can I get an emergency loan in Augusta County?
Yes. When an unexpected bill comes up, Augusta County residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.