Loans in Henry County, VA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Henry County, VA.
The median household in Henry County earns $50,760 a year, 46% below the Virginia median of $93,170. About 16% of residents live below the federal poverty line, and 24.8% of households rent their home. 20.9% of households have no home internet; our form works on any phone.
What you need for a payday loan in Henry County
Here's what to have on hand before you start your payday loan request in Henry 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 Henry County
What Henry County borrowers use it for
keep getting to work while the shop fixes it
Medical billspay a doctor, dentist or pharmacy bill now
Rent duecover a short gap before payday
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Henry 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 Henry County
Banks with branches in Henry County
9 FDIC-insured bank branches from 5 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Carter Bank & Trust | 5 | 140 Tensbury Dr, Martinsville 24112 |
| First Horizon Bank | 1 | 3000 Virginia Ave, Collinsville 24078 |
| Truist Bank | 1 | 2680 Virginia Ave, Collinsville 24078 |
| Atlantic Union Bank | 1 | 3810 Greensboro Rd, Ridgeway 24148 |
| Woodforest National Bank | 1 | 976 Commonwealth Blvd, Martinsville 24112 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Henry County
3 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Urw Community | 796 Commonwealth Blvd, Martinsville 24112 |
| Valleystar | 35 Dupont Rd, Martinsville 24112 |
Source: NCUA credit union branch data, June 30, 2026.
All Virginia counties and cities
Frequently asked questions
Are payday loans legal in Henry County?
Henry 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 Henry 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 Henry County?
Options include 9 bank and 3 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 Henry County?
Fill out our short online form from anywhere in Henry 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 Henry County, VA?
You can apply at banks, credit unions and lenders in Henry 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 apply for a loan online in Henry County?
Yes. You don't need to visit a branch or storefront anywhere in Henry 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 Henry 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. Henry County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Henry County?
Yes. When an unexpected bill comes up, Henry 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.