Loans in Bedford County, VA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Bedford County, VA.
The median household in Bedford County earns $78,937 a year, 15% below the Virginia median of $93,170. About 8% of residents live below the federal poverty line, and 15.3% of households rent their home.
What you need for a payday loan in Bedford County
Lenders that serve Bedford County typically ask for the following:
- 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 Bedford County
What Bedford County borrowers use it for
cover a short gap before payday
Need money nowthe fastest options online
Medical billspay a doctor, dentist or pharmacy bill now
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Bedford 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 Bedford County
Banks with branches in Bedford County
20 FDIC-insured bank branches from 12 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Atlantic Union Bank | 3 | 125 W Main St, Bedford 24523 |
| First-Citizens Bank & Trust Company | 2 | 130 E Main St, Bedford 24523 |
| Truist Bank | 2 | 115 W Main St, Bedford 24523 |
| Carter Bank & Trust | 2 | 550 Blue Ridge Ave, Bedford 24523 |
| Bank of the James | 2 | 17000 Forest Rd, Forest 24551 |
| First National Bank | 2 | 14417 Forest Rd, Forest 24551 |
| Select Bank | 2 | 1387 American Way, Bedford 24523 |
| Wells Fargo Bank, National Association | 1 | 17967 Forest Rd, Forest 24551 |
| The First Bank and Trust Company | 1 | 17011 Forest Rd, Forest 24551 |
| Woodforest National Bank | 1 | 1126 Lunchburg Salem Turnpike, Bedford 24523 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Bedford County
4 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Virginia | 1056 Dogwood Boulevard, Vinton 24179 |
| Beacon Credit Union, Incorporated | 19029 Forest Rd, Lynchburg 24502 |
| Central Virginia | 14416 Forest Rd, Forest 24551 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Bedford County
All Virginia counties and cities
Frequently asked questions
Are payday loans legal in Bedford County?
Bedford 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 Bedford 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 Bedford County?
Options include 20 bank and 4 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 Bedford County?
Fill out our short online form from anywhere in Bedford 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 get a loan in Bedford County with bad credit?
Yes, many lenders in our network work with Bedford 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 apply for a loan online in Bedford County?
Yes. You don't need to visit a branch or storefront anywhere in Bedford 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.
Can I get a loan in Bedford County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. Bedford County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Bedford County, VA?
You can apply at banks, credit unions and lenders in Bedford 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.