Loans in Floyd County, VA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Floyd County, VA.
The median household in Floyd County earns $62,191 a year, 33% below the Virginia median of $93,170. About 10% of residents live below the federal poverty line, and 16.1% of households rent their home. 12.9% of households have no home internet; our form works on any phone.
What you need for a payday loan in Floyd County
Lenders that serve Floyd 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 Floyd County
What Floyd County borrowers use it for
deposits, trucks and first-week expenses
Car repairskeep getting to work while the shop fixes it
Emergencieshandle the unexpected the same week
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Floyd 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 Floyd County
Banks with branches in Floyd County
4 FDIC-insured bank branches from 3 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| SKYLINE NATIONAL BANK | 2 | 212 E Main St, Floyd 24091 |
| Carter Bank & Trust | 1 | 213 N Locust St, Floyd 24091 |
| Atlantic Union Bank | 1 | 680 E Main St, Floyd 24091 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Floyd County. The nearest counties with credit unions:
Credit unions in Montgomery County
8 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Virginia | 105 Oaktree Blvd, Christiansburg 24073 |
| Freedom First | 1204 S Main St, Blacksburg 24060 |
| Poly Scientific Employees | 1213 N Main St, Blacksburg 24060 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Radford city
3 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| First Nrv | 900 W Main St, Radford 24141 |
| Inland Motor Employees | 501 W Main St, Radford 24141 |
Source: NCUA credit union branch data, June 30, 2026.
All Virginia counties and cities
Frequently asked questions
Are payday loans legal in Floyd County?
Floyd 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 Floyd 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 Floyd County?
Options include 4 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 Floyd County?
Fill out our short online form from anywhere in Floyd 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 an emergency loan in Floyd County?
Yes. When an unexpected bill comes up, Floyd 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.
Where can I get a loan in Floyd County, VA?
You can apply at banks, credit unions and lenders in Floyd 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 Floyd County with bad credit?
Yes, many lenders in our network work with Floyd 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 Floyd 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. Floyd County residents can start any time, and it takes about 3 minutes.