Loans in Roanoke city, VA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Roanoke city, VA.
The median household in Roanoke city earns $55,378 a year, 41% below the Virginia median of $93,170. About 18% of residents live below the federal poverty line, and 47.6% of households rent their home. 10.8% of households have no home internet; our form works on any phone.
What you need for a payday loan in Roanoke city
Most Roanoke city applicants can finish in one sitting if they have these ready:
- 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 Roanoke city
What Roanoke city borrowers use it for
cover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Roanoke 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 Roanoke city
Banks with branches in Roanoke city
29 FDIC-insured bank branches from 14 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Truist Bank | 5 | 2230 Melrose Ave Nw, Roanoke 24017 |
| Pinnacle Bank | 3 | 202 Campbell Ave Se, Roanoke 24013 |
| Wells Fargo Bank, National Association | 3 | 4202 Melrose Ave Nw, Roanoke 24017 |
| HomeTrust Bank | 3 | 2820 Brambleton Ave Sw, Roanoke 24015 |
| Atlantic Union Bank | 3 | 3804 Brandon Ave Sw, Roanoke 24018 |
| Carter Bank & Trust | 2 | 1722 Hershberger Rd Nw, Roanoke 24012 |
| First-Citizens Bank & Trust Company | 2 | 110 Church Ave Sw, Roanoke 24011 |
| Woodforest National Bank | 2 | 4807 Valley View Blvd Nw, Roanoke 24012 |
| SKYLINE NATIONAL BANK | 1 | 3850 Keagy Rd Sw, Roanoke 24018 |
| First Bank | 1 | 310 First Street, Suite 110, Roanoke 24011 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Roanoke city
22 credit-union locations from 9 credit unions.
| Credit union | Location |
|---|---|
| Virginia | 16955 Forest Rd Ste A, Roanoke 24024 |
| Freedom First | 2221 Colonial Ave Sw, Roanoke 24015 |
| Infirst | 5005 Melrose Ave Nw, Roanoke 24017 |
| First Care | 109 Highland Ave Sw, Roanoke 24016 |
| Beacon Credit Union, Incorporated | 1620 Hershberger Rd Nw, Roanoke 24012 |
| Blue Eagle | 1430 Hershberger Rd Nw, Roanoke 24012 |
| Roanoke Valley Community | 723 5Th St Ne, Roanoke 24016 |
| Salem Va Medical Center | 2042 Electric Rd, Roanoke 24018 |
| High Street Baptist Church | 2302 Florida Ave Nw, Roanoke 24017 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Roanoke city
All Virginia counties and cities
Frequently asked questions
Are payday loans legal in Roanoke city?
Roanoke 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 Roanoke 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 Roanoke city?
Options include 29 bank and 22 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 Roanoke city?
Fill out our short online form from anywhere in Roanoke 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 Roanoke city with bad credit?
Yes, many lenders in our network work with Roanoke 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.
Where can I get a loan in Roanoke city, VA?
You can apply at banks, credit unions and lenders in Roanoke 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.
Can I get an emergency loan in Roanoke city?
Yes. When an unexpected bill comes up, Roanoke 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.
Can I get a loan in Roanoke 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. Roanoke city residents can start any time, and it takes about 3 minutes.