Loans in West Virginia: payday, personal & title loan laws (2026)

In West Virginia, payday loans are not allowed, car title loans are not allowed, and personal installment loans are available from licensed lenders. Below are the verified rules, local lenders and credit unions for all 55 counties and 15 cities with 10,000+ residents.

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Tip: apply on a weekday morning for the best chance of funding by the next business day.

No hard credit inquiry on our end; lenders may check your credit. Not a lender; approval, amount and terms come from the lender. Example: $1,000 over 12 months at 35.99% APR ≈ $100.46/month.

Payday Loans Not available

Payday loans are not allowed in West Virginia.

Personal Loans

31% up to $3,500; 27% to $15,000; 18% above.

Title Loans Not available

There is no title-loan law in West Virginia.

West Virginia at a glance

1,778,373

Residents

$59,608

Median household income

554

FDIC bank branches

173

Credit-union branches

Counties in West Virginia

Cities in West Virginia

Charleston Huntington Morgantown Parkersburg Wheeling Martinsburg Weirton Fairmont Beckley Clarksburg Teays Valley South Charleston Cheat Lake St. Albans Vienna

Frequently asked questions

Are payday loans legal in West Virginia?

Payday loans are not allowed in West Virginia. Check cashers and merchants may not hold a check for later deposit to make a loan, and licensed consumer lenders are limited to 31% a year on small loans.

How much do payday loans cost in West Virginia?

No payday product is allowed. Licensed consumer lenders are capped at 31% a year (actuarial method) on loans of $3,500 or less not secured by real estate.

Are title loans legal in West Virginia?

There is no title-loan law in West Virginia. Any consumer loan above 18% a year, including a car-title-secured loan, may be made only by a licensed regulated consumer lender at no more than 31% (loans up to $3,500), which rules out high-cost title loans.

What interest can title lenders charge in West Virginia?

31% a year on loans of $3,500 or less (not secured by real estate); 27% on loans over $3,500 up to $15,000; 18% on loans over $15,000.

Is there a cap on personal loan interest rates in West Virginia?

31% up to $3,500; 27% to $15,000; 18% above.

Do personal loan lenders need a license in West Virginia?

Yes. No one may make regulated consumer loans, or take assignments of or collect them, without a license from the Commissioner of Financial Institutions.