Loans in Scott County, VA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Scott County, VA.
The median household in Scott County earns $46,349 a year, 50% below the Virginia median of $93,170. About 20% of residents live below the federal poverty line, and 23.0% of households rent their home. 19.7% of households have no home internet; our form works on any phone.
What you need for a payday loan in Scott County
Lenders that serve Scott County 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 Scott County
What Scott County borrowers use it for
deposits, trucks and first-week expenses
Car repairskeep getting to work while the shop fixes it
Rent duecover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Scott 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 Scott County
Banks with branches in Scott County
7 FDIC-insured bank branches from 5 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Bank of Marion | 2 | 2768 Us Highway 23 North, Weber City 24290 |
| First Community Bank | 2 | 141 East Jackson St, Gate City 24251 |
| Farmers and Miners Bank | 1 | 2944 Us Highway 23 North, Weber City 24290 |
| New Peoples Bank, Inc. | 1 | 663 East Jackson St, Gate City 24251 |
| Powell Valley National Bank | 1 | 301 Duff Patt Hwy, Duffield 24244 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Scott County
2 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Eastman | 265 Jones St, Gate City 24251 |
Source: NCUA credit union branch data, June 30, 2026.
All Virginia counties and cities
Frequently asked questions
Are payday loans legal in Scott County?
Scott 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 Scott 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 Scott County?
Options include 7 bank and 2 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 Scott County?
Fill out our short online form from anywhere in Scott 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 Scott County?
Yes. When an unexpected bill comes up, Scott 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 Scott County?
Yes. You don't need to visit a branch or storefront anywhere in Scott 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 Scott 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. Scott County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Scott County, VA?
You can apply at banks, credit unions and lenders in Scott 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.