Loans in Jefferson County, WV: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Jefferson County, WV.
The median household in Jefferson County earns $98,806 a year, 66% above the West Virginia median of $59,608. About 9% of residents live below the federal poverty line, and 19.7% of households rent their home.
What you need for a personal loan in Jefferson County
Here's what to have on hand before you start your personal loan request in Jefferson County:
- 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 Jefferson County
What Jefferson County borrowers use it for
handle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Moving costsdeposits, trucks and first-week expenses
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Jefferson 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 Jefferson County
Banks with branches in Jefferson County
13 FDIC-insured bank branches from 6 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Potomac Bank | 3 | 111 E Washington St, Charles Town 25414 |
| Jefferson Security Bank | 3 | 105 E Washington St, Shepherdstown 25443 |
| United Bank | 2 | 106 W Washington St, Charles Town 25414 |
| Truist Bank | 2 | 8327 Martinsburg Pike, Shepherdstown 25443 |
| City National Bank of West Virginia | 2 | 1034 S George St, Charles Town 25414 |
| Burke & Herbert Bank & Trust Company | 1 | 88 Somerset Blvd, Charles Town 25414 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Jefferson County. The nearest counties with credit unions:
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.
Credit unions in Hampshire County
3 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Act 1St | 555 W Main St, Romney 26757 |
| Romney | 62 W Main St, Romney 26757 |
Source: NCUA credit union branch data, June 30, 2026.
All West Virginia counties and cities
Frequently asked questions
Are payday loans legal in Jefferson County?
Jefferson County follows West Virginia law. Payday loans are not allowed in West Virginia.
Are title loans legal in Jefferson County?
There is no title-loan law in West Virginia.
Where can I get a small loan in Jefferson County?
Options include 13 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 Jefferson County?
Fill out our short online form from anywhere in Jefferson 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.
Can I get a loan in Jefferson 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. Jefferson County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Jefferson County, WV?
You can apply at banks, credit unions and lenders in Jefferson 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 get a loan in Jefferson County with bad credit?
Yes, many lenders in our network work with Jefferson 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 apply for a loan online in Jefferson County?
Yes. You don't need to visit a branch or storefront anywhere in Jefferson 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.