Loans in Berkeley County, WV: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Berkeley County, WV.
The median household in Berkeley County earns $80,815 a year, 36% above the West Virginia median of $59,608. About 11% of residents live below the federal poverty line, and 24.0% of households rent their home.
What you need for a personal loan in Berkeley County
Lenders that serve Berkeley County typically ask for the following:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in Berkeley County
What Berkeley County borrowers use it for
keep getting to work while the shop fixes it
Medical billspay a doctor, dentist or pharmacy bill now
Need money nowthe fastest options online
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Berkeley County
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.
Banks and credit unions in Berkeley County
Banks with branches in Berkeley County
25 FDIC-insured bank branches from 9 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| City National Bank of West Virginia | 4 | 142 Sader Drive, Inwood 25428 |
| United Bank | 4 | 450 Foxcroft Ave, Martinsburg 25401 |
| Truist Bank | 3 | 148 S Queen St, Martinsburg 25401 |
| First United Bank & Trust | 3 | U.S. Route 11 And State Route 51, Inwood 25428 |
| Burke & Herbert Bank & Trust Company | 3 | 5091 Gerrardstown Rd, Inwood 25428 |
| CNB Bank, Inc. | 3 | 2646 Hedgesville Rd, Martinsburg 25403 |
| Jefferson Security Bank | 2 | 1487 Edwin Miller Blvd, Martinsburg 25404 |
| Potomac Bank | 2 | 9738 Tuscarora Pike, Martinsburg 25403 |
| Woodforest National Bank | 1 | 800 Foxcroft Ave, Martinsburg 25401 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Berkeley County
12 credit-union locations from 7 credit unions.
| Credit union | Location |
|---|---|
| Patriot | 5268 Williamsport Pike, Martinsburg 25404 |
| Bayer Heritage | 5550 Winchester Ave, Martinsburg 25405 |
| Mountain Heritage | 250 Murall Dr, Kearneysville 25430 |
| 167Th Tfr | 1945 Edwin Miller Blvd, Martinsburg 25404 |
| Eastern Panhandle | 36 Gm Access Rd, Martinsburg 25403 |
| Martinsburg V.A. Center | 2971 Charles Town Rd, Kearneysville 25430 |
| Berkeley County Public Schools | 401 S Queen St Trlr 1A, Martinsburg 25401 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Berkeley County
All West Virginia counties and cities
Frequently asked questions
Are payday loans legal in Berkeley County?
Berkeley County follows West Virginia law. Payday loans are not allowed in West Virginia.
Are title loans legal in Berkeley County?
There is no title-loan law in West Virginia.
Where can I get a small loan in Berkeley County?
Options include 25 bank and 12 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 Berkeley County?
Fill out our short online form from anywhere in Berkeley County. We share it with lenders in our network that serve West 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 Berkeley County, WV?
You can apply at banks, credit unions and lenders in Berkeley 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 West Virginia residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.
Can I apply for a loan online in Berkeley County?
Yes. You don't need to visit a branch or storefront anywhere in Berkeley 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 West 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 Berkeley County with bad credit?
Yes, many lenders in our network work with Berkeley County 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 a loan in Berkeley 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. Berkeley County residents can start any time, and it takes about 3 minutes.