Loans in Mineral County, WV: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Mineral County, WV.
The median household in Mineral County earns $69,375 a year, 16% above the West Virginia median of $59,608. About 14% of residents live below the federal poverty line, and 19.0% of households rent their home.
What you need for a personal loan in Mineral County
Most Mineral County applicants can finish in one sitting if they have these ready:
- 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 Mineral County
What Mineral County borrowers use it for
cover a short gap before payday
Car repairskeep getting to work while the shop fixes it
Emergencieshandle the unexpected the same week
Need money nowthe fastest options online
Loans for your situation
Which loans are available in Mineral 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 Mineral County
Banks with branches in Mineral 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 |
|---|---|---|
| Manufacturers and Traders Trust Company | 2 | 23 Presidents Street, Fort Ashby 26719 |
| First United Bank & Trust | 2 | 29 Southern Dr, Keyser 26726 |
| Truist Bank | 1 | 189 New Creek Hwy, Keyser 26726 |
| Highlands Bank | 1 | 1336 New Creek Hwy, Keyser 26726 |
| FNB Bank, Inc. | 1 | 10076 Frankfort Hwy, Fort Ashby 26719 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Mineral County
5 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Wepco | 459 New Creek Hwy, Keyser 26726 |
| First Peoples Community | 3143 Frankfort Hwy, Ridgeley 26753 |
| Chessie | 1015 Florida Ave, Keyser 26726 |
Source: NCUA credit union branch data, June 30, 2026.
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Frequently asked questions
Are payday loans legal in Mineral County?
Mineral County follows West Virginia law. Payday loans are not allowed in West Virginia.
Are title loans legal in Mineral County?
There is no title-loan law in West Virginia.
Where can I get a small loan in Mineral County?
Options include 7 bank and 5 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 Mineral County?
Fill out our short online form from anywhere in Mineral 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 Mineral County?
Yes. When an unexpected bill comes up, Mineral 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 Mineral County, WV?
You can apply at banks, credit unions and lenders in Mineral 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 Mineral County?
Yes. You don't need to visit a branch or storefront anywhere in Mineral 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 Mineral County with bad credit?
Yes, many lenders in our network work with Mineral 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.