Loans in Lincoln County, WV: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Lincoln County, WV.
The median household in Lincoln County earns $46,205 a year, 22% below the West Virginia median of $59,608. About 23% of residents live below the federal poverty line, and 25.5% of households rent their home. 12.2% of households have no home internet; our form works on any phone.
What you need for a personal loan in Lincoln County
Here's what to have on hand before you start your personal loan request in Lincoln 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 Lincoln County
What Lincoln County borrowers use it for
keep getting to work while the shop fixes it
Emergencieshandle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Lincoln 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 Lincoln County
Banks with branches in Lincoln County
6 FDIC-insured bank branches from 4 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Community Trust Bank, Inc. | 2 | 8049 Lynn Ave, Hamlin 25523 |
| City National Bank of West Virginia | 2 | 8028 Lynn Ave, Hamlin 25523 |
| Logan Bank & Trust Company | 1 | 1218 Mcclellan Hwy, Harts 25524 |
| Peoples Bank | 1 | 40 Lincoln Plz, Branchland 25506 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Lincoln County. The nearest counties with credit unions:
Credit unions in Wayne County
4 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Star Usa | 1540 Spring Valley Dr, Huntington 25704 |
| Huntingtonized | 60 Mcginnis Dr, Wayne 25570 |
| Metro Community | 4753 Wv-152, Lavalette 25535 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Cabell County
18 credit-union locations from 13 credit unions.
| Credit union | Location |
|---|---|
| Desco | 1438 6Th Ave, Huntington 25701 |
| Pioneer Appalachia | 416 Main St, Huntington 25702 |
| Star Usa | 607 3Rd Ave, Huntington 25701 |
| First Priority | 500 Virginia Ave, Huntington 25701 |
| Universal | 317 31St St, Huntington 25702 |
| Huntingtonized | 481 8Th Ave W, Huntington 25701 |
| Metro Community | 215 18Th St, Huntington 25703 |
| Huntington C & O Railway Employees | 901 6Th Ave, Huntington 25701 |
| Chhe | 1340 Hal Greer Blvd, Huntington 25701 |
| Ibew 317 | 1848 Madison Ave Ste B, Huntington 25704 |
| Pace | 502 8Th St, Huntington 25701 |
| Appalachian Power Employees | 1122 7Th Ave, Huntington 25701 |
Source: NCUA credit union branch data, June 30, 2026.
All West Virginia counties and cities
Frequently asked questions
Are payday loans legal in Lincoln County?
Lincoln County follows West Virginia law. Payday loans are not allowed in West Virginia.
Are title loans legal in Lincoln County?
There is no title-loan law in West Virginia.
Where can I get a small loan in Lincoln County?
Options include 6 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 Lincoln County?
Fill out our short online form from anywhere in Lincoln 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 an emergency loan in Lincoln County?
Yes. When an unexpected bill comes up, Lincoln 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.
Where can I get a loan in Lincoln County, WV?
You can apply at banks, credit unions and lenders in Lincoln 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 Lincoln County with bad credit?
Yes, many lenders in our network work with Lincoln 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 Lincoln 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. Lincoln County residents can start any time, and it takes about 3 minutes.