Loans in Craig County, VA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Craig County, VA.
The median household in Craig County earns $69,057 a year, 26% below the Virginia median of $93,170. About 14% of residents live below the federal poverty line, and 16.3% of households rent their home.
What you need for a payday loan in Craig County
Here's what to have on hand before you start your payday loan request in Craig 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 Craig County
What Craig County borrowers use it for
gifts and travel without maxing a card
Rent duecover a short gap before payday
Need money nowthe fastest options online
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Craig 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 Craig County
Banks with branches in Craig County
1 FDIC-insured bank branches from 1 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Farmers & Merchants Bank of Craig County | 1 | 189 Main St, New Castle 24127 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Craig County. The nearest counties with credit unions:
Credit unions in Roanoke County
10 credit-union locations from 7 credit unions.
| Credit union | Location |
|---|---|
| Virginia | 2310 Electric Rd, Roanoke 24018 |
| Freedom First | 203 W Virginia Ave, Vinton 24179 |
| Penair | 7635 Plantation Rd, Roanoke 24019 |
| Valleystar | 3452 Buck Mountain Rd, Roanoke 24018 |
| Beacon Credit Union, Incorporated | 3534 Electric Rd Unit 6, Roanoke 24018 |
| Blue Eagle | 2121 Electric Rd, Roanoke 24018 |
| Roanoke Valley Community | 605 Abney Rd, Roanoke 24012 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Salem city
8 credit-union locations from 7 credit unions.
| Credit union | Location |
|---|---|
| Virginia | 1436 W Main St, Salem 24153 |
| Freedom First | 1235 Electric Rd, Salem 24153 |
| Infirst | 2 W Main St, Salem 24153 |
| Blue Eagle | 2809 W Main St, Salem 24153 |
| Roanoke Valley Community | 1340 Roanoke Blvd, Salem 24153 |
| Salem Va Medical Center | 1970 Roanoke Blvd, Salem 24153 |
| Kemba Roanoke | 2812 W Main St, Salem 24153 |
Source: NCUA credit union branch data, June 30, 2026.
All Virginia counties and cities
Frequently asked questions
Are payday loans legal in Craig County?
Craig 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 Craig 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 Craig County?
Options include 1 bank 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 Craig County?
Fill out our short online form from anywhere in Craig 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.
Where can I get a loan in Craig County, VA?
You can apply at banks, credit unions and lenders in Craig 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 Craig County with bad credit?
Yes, many lenders in our network work with Craig 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 a loan in Craig 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. Craig County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Craig County?
Yes. When an unexpected bill comes up, Craig 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.