Loans in Martinsville city, VA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Martinsville city, VA.
The median household in Martinsville city earns $46,727 a year, 50% below the Virginia median of $93,170. About 24% of residents live below the federal poverty line, and 44.6% of households rent their home. 10.0% of households have no home internet; our form works on any phone.
What you need for a payday loan in Martinsville city
Lenders that serve Martinsville city 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 Martinsville city
What Martinsville city borrowers use it for
handle the unexpected the same week
Need money nowthe fastest options online
Holiday expensesgifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Martinsville city
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 Martinsville city
Banks with branches in Martinsville city
8 FDIC-insured bank branches from 7 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Atlantic Union Bank | 2 | 900 Liberty St, Martinsville 24112 |
| Truist Bank | 1 | 238 E Church St, Martinsville 24112 |
| Martinsville First Savings Bank | 1 | 25 W Church St, Martinsville 24112 |
| Blue Ridge Bank, National Association | 1 | 1 E Market St, Martinsville 24112 |
| First Horizon Bank | 1 | 250 Commonwealth Blvd W, Martinsville 24112 |
| The Fidelity Bank | 1 | 231 E Church St, Martinsville 24112 |
| Carter Bank & Trust | 1 | 4 Commonwealth Blvd E, Martinsville 24112 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Martinsville city. The nearest counties with credit unions:
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.
Credit unions in Franklin County
5 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Virginia | 40 Member One Way, Rocky Mount 24151 |
| American Partners | 77 Powder Creek Ln, Rocky Mount 24151 |
| Valleystar | 1080 Old Franklin Tpke, Rocky Mount 24151 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Martinsville city
All Virginia counties and cities
Frequently asked questions
Are payday loans legal in Martinsville city?
Martinsville city 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 Martinsville city?
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 Martinsville city?
Options include 8 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 Martinsville city?
Fill out our short online form from anywhere in Martinsville city. 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 a loan in Martinsville city 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. Martinsville city residents can start any time, and it takes about 3 minutes.
Can I get a loan in Martinsville city with bad credit?
Yes, many lenders in our network work with Martinsville city 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 an emergency loan in Martinsville city?
Yes. When an unexpected bill comes up, Martinsville city 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 Martinsville city, VA?
You can apply at banks, credit unions and lenders in Martinsville city, 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.