Loans in Carroll County, VA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Carroll County, VA.
The median household in Carroll County earns $54,484 a year, 42% below the Virginia median of $93,170. About 15% of residents live below the federal poverty line, and 22.9% of households rent their home. 14.3% of households have no home internet; our form works on any phone.
What you need for a payday loan in Carroll County
Here's what to have on hand before you start your payday loan request in Carroll County:
- 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 Carroll County
What Carroll County borrowers use it for
the fastest options online
Car repairskeep getting to work while the shop fixes it
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 Carroll 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 Carroll County
Banks with branches in Carroll County
5 FDIC-insured bank branches from 4 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| SKYLINE NATIONAL BANK | 2 | 8351 Carrollton Pike, Galax 24333 |
| First Community Bank | 1 | 148 N Main St, Hillsville 24343 |
| Truist Bank | 1 | 145 N Main St, Hillsville 24343 |
| Carter Bank & Trust | 1 | 220 N Main St, Hillsville 24343 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Carroll County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| First Nrv | 205 Oak St, Hillsville 24343 |
Source: NCUA credit union branch data, June 30, 2026.
All Virginia counties and cities
Frequently asked questions
Are payday loans legal in Carroll County?
Carroll 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 Carroll 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 Carroll County?
Options include 5 bank and 1 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 Carroll County?
Fill out our short online form from anywhere in Carroll 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 Carroll County?
Yes. You don't need to visit a branch or storefront anywhere in Carroll 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 Carroll 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. Carroll County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Carroll County with bad credit?
Yes, many lenders in our network work with Carroll 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 Carroll County?
Yes. When an unexpected bill comes up, Carroll 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.