Loans in Highland County, VA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Highland County, VA.
The median household in Highland County earns $65,625 a year, 30% below the Virginia median of $93,170. About 10% of residents live below the federal poverty line, and 11.1% of households rent their home. 17.5% of households have no home internet; our form works on any phone.
What you need for a payday loan in Highland County
Here's what to have on hand before you start your payday loan request in Highland 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 Highland County
What Highland County borrowers use it for
the fastest options online
Car repairskeep getting to work while the shop fixes it
Emergencieshandle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Highland 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 Highland County
Banks with branches in Highland County
3 FDIC-insured bank branches from 2 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Blue Grass Valley Bank | 2 | 2583 Blue Grass Valley Rd, Blue Grass 24413 |
| Burke & Herbert Bank & Trust Company | 1 | 195 West Main Strret, Monterey 24465 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Highland County. The nearest counties with credit unions:
Credit unions in Augusta County
6 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Dupont Community | 315 Lee Hwy, Verona 24482 |
| Valleystar | 19 Myers Corner Dr Ste A01, Staunton 24401 |
| Augusta County | 18 Government Center Ln, Verona 24482 |
| Augusta Health Care Credit Union | 78 Medical Center Dr, Fishersville 22939 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Staunton city
2 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Dupont Community | 105 Community Way, Staunton 24401 |
Source: NCUA credit union branch data, June 30, 2026.
All Virginia counties and cities
Frequently asked questions
Are payday loans legal in Highland County?
Highland 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 Highland 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 Highland County?
Options include 3 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 Highland County?
Fill out our short online form from anywhere in Highland 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 Highland County?
Yes. When an unexpected bill comes up, Highland 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 Highland 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. Highland County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Highland County with bad credit?
Yes, many lenders in our network work with Highland 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 Highland County, VA?
You can apply at banks, credit unions and lenders in Highland 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.