Loans in Patrick County, VA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Patrick County, VA.
The median household in Patrick County earns $53,038 a year, 43% below the Virginia median of $93,170. About 12% of residents live below the federal poverty line, and 23.1% of households rent their home. 15.6% of households have no home internet; our form works on any phone.
What you need for a payday loan in Patrick County
Here's what to have on hand before you start your payday loan request in Patrick 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 Patrick County
What Patrick County borrowers use it for
cover a short gap before payday
Emergencieshandle the unexpected the same week
Car repairskeep getting to work while the shop fixes it
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Patrick 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 Patrick County
Banks with branches in Patrick County
5 FDIC-insured bank branches from 5 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Truist Bank | 1 | 100 Stonewall Court, Stuart 24171 |
| First Horizon Bank | 1 | 114 W Blue Ridge St, Stuart 24171 |
| Carter Bank & Trust | 1 | 125 E Blue Ridge St, Stuart 24171 |
| First Community Bank | 1 | 940 Woodland Dr, Stuart 24171 |
| SKYLINE NATIONAL BANK | 1 | 3607 Jeb Stuart Highway, Meadows Of Dan 24120 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Patrick County. 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 Carroll County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| First Nrv | 205 Oak St, Hillsville 24343 |
Source: NCUA credit union branch data, June 30, 2026.
All Virginia counties and cities
Frequently asked questions
Are payday loans legal in Patrick County?
Patrick 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 Patrick 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 Patrick County?
Options include 5 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 Patrick County?
Fill out our short online form from anywhere in Patrick 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 Patrick County, VA?
You can apply at banks, credit unions and lenders in Patrick 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 an emergency loan in Patrick County?
Yes. When an unexpected bill comes up, Patrick 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 apply for a loan online in Patrick County?
Yes. You don't need to visit a branch or storefront anywhere in Patrick 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 Patrick 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. Patrick County residents can start any time, and it takes about 3 minutes.