Loans in Henrico County, VA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Henrico County, VA.
The median household in Henrico County earns $88,783 a year, about the same as the Virginia median of $93,170. About 9% of residents live below the federal poverty line, and 35.5% of households rent their home.
What you need for a payday loan in Henrico County
Lenders that serve Henrico 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 Henrico County
What Henrico County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Holiday expensesgifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Henrico 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 Henrico County
Banks with branches in Henrico County
78 FDIC-insured bank branches from 22 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Truist Bank | 12 | 1300 E Parham Rd, Richmond 23228 |
| Wells Fargo Bank, National Association | 12 | 10821 Ridgefield Pkwy, Richmond 23233 |
| Bank of America, National Association | 7 | 1372 Gaskins Rd, Richmond 23238 |
| TowneBank | 5 | 4501 Cox Rd, Glen Allen 23060 |
| Atlantic Union Bank | 5 | 1601 Willow Lawn Dr, Richmond 23230 |
| JPMorgan Chase Bank, National Association | 5 | 8727 Staples Mill Rd, Richmond 23228 |
| United Bank | 4 | 9954 Mayland Dr, Richmond 23233 |
| Citizens and Farmers Bank | 4 | Route 5 And Strath Road, Varina 23231 |
| First-Citizens Bank & Trust Company | 3 | 11776 W Broad St, Richmond 23233 |
| Woodforest National Bank | 3 | 11400 W Broad Street Rd, Glen Allen 23060 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Henrico County
26 credit-union locations from 10 credit unions.
| Credit union | Location |
|---|---|
| Virginia | 4001 Lauderdale Dr, Richmond 23233 |
| Henrico | 8611 Dixon Powers Dr, Henrico 23228 |
| Peoples Advantage | 3601 Dill Rd, Richmond 23222 |
| Navy Federal Credit Union | 5445 Glenside Dr, Richmond 23228 |
| Langley | 11151 W Broad St, Glen Allen 23060 |
| Bayport | 109 E Nine Mile Road, Richmond 23075 |
| Argent | 1200 New York Ave, Glen Allen 23060 |
| Call | 6601 W Broad St, Richmond 23230 |
| Dominion Energy Credit Union | 5000 Dominion Blvd, Glen Allen 23060 |
| Connects | 7700 Shrader Rd, Richmond 23228 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Henrico County
All Virginia counties and cities
Frequently asked questions
Are payday loans legal in Henrico County?
Henrico 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 Henrico 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 Henrico County?
Options include 78 bank and 26 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 Henrico County?
Fill out our short online form from anywhere in Henrico 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 Henrico County?
Yes. You don't need to visit a branch or storefront anywhere in Henrico 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 Henrico 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. Henrico County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Henrico County with bad credit?
Yes, many lenders in our network work with Henrico 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 Henrico County, VA?
You can apply at banks, credit unions and lenders in Henrico 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.