Loans in Giles County, VA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Giles County, VA.
The median household in Giles County earns $65,691 a year, 29% below the Virginia median of $93,170. About 9% of residents live below the federal poverty line, and 21.1% of households rent their home. 14.2% of households have no home internet; our form works on any phone.
What you need for a payday loan in Giles County
Here's what to have on hand before you start your payday loan request in Giles 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 Giles County
What Giles County borrowers use it for
cover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Giles 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 Giles County
Banks with branches in Giles County
5 FDIC-insured bank branches from 3 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The National Bank of Blacksburg | 3 | 201 Main Street, Pearisburg 24134 |
| Truist Bank | 1 | 800 Wenonah Ave, Pearisburg 24134 |
| The First National Bank of Peterstown | 1 | 110 Old Virginia Ave, Narrows 24124 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Giles County
4 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Celco Community | 3381 Virginia Ave, Narrows 24124 |
| G E A Employees | 100 Deerfield Acres St, Pearisburg 24134 |
Source: NCUA credit union branch data, June 30, 2026.
All Virginia counties and cities
Frequently asked questions
Are payday loans legal in Giles County?
Giles 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 Giles 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 Giles County?
Options include 5 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 Giles County?
Fill out our short online form from anywhere in Giles 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 Giles County?
Yes. When an unexpected bill comes up, Giles 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.
Can I get a loan in Giles County with bad credit?
Yes, many lenders in our network work with Giles 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.
Where can I get a loan in Giles County, VA?
You can apply at banks, credit unions and lenders in Giles 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 Giles 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. Giles County residents can start any time, and it takes about 3 minutes.