Loans in Monongalia County, WV: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Monongalia County, WV.
The median household in Monongalia County earns $65,346 a year, 10% above the West Virginia median of $59,608. About 20% of residents live below the federal poverty line, and 42.1% of households rent their home.
What you need for a personal loan in Monongalia County
Most Monongalia 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 Monongalia County
What Monongalia County borrowers use it for
gifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Rent duecover a short gap before payday
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Monongalia 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 Monongalia County
Banks with branches in Monongalia County
33 FDIC-insured bank branches from 13 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Huntington National Bank | 6 | 201 High St, Morgantown 26505 |
| United Bank | 6 | 154 Fayette St, Morgantown 26505 |
| Truist Bank | 3 | 493 Spruce St, Morgantown 26505 |
| WesBanco Bank, Inc. | 3 | 1350 Earl L Core Rd, Morgantown 26505 |
| Clear Mountain Bank | 3 | 102 Venture Dr, Morgantown 26508 |
| First United Bank & Trust | 3 | Route 7 East, Tin Mill Crossroads, Morgantown 26505 |
| First Exchange Bank | 2 | 3051 University Ave, Morgantown 26505 |
| MVB Bank, Inc | 2 | 10 Sterling Dr, Morgantown 26505 |
| Citizens Bank of Morgantown, Inc. | 1 | 265 High St, Morgantown 26505 |
| PNC Bank, National Association | 1 | 455 Suncrest Town Centre Dr, Morgantown 26505 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Monongalia County
7 credit-union locations from 5 credit unions.
| Credit union | Location |
|---|---|
| Fairmont | 1254 Pineview Dr, Morgantown 26505 |
| Pioneer Appalachia | 8980 University Town Centre Drive, Morgantown 26501 |
| Wvu Employees | 448 Harding Ave, Morgantown 26505 |
| The United | 3 Sunset Beach Rd, Morgantown 26508 |
| Morgantown A E S | 1133 Van Voorhis Rd, Morgantown 26505 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Monongalia County
All West Virginia counties and cities
Frequently asked questions
Are payday loans legal in Monongalia County?
Monongalia County follows West Virginia law. Payday loans are not allowed in West Virginia.
Are title loans legal in Monongalia County?
There is no title-loan law in West Virginia.
Where can I get a small loan in Monongalia County?
Options include 33 bank and 7 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 Monongalia County?
Fill out our short online form from anywhere in Monongalia 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 apply for a loan online in Monongalia County?
Yes. You don't need to visit a branch or storefront anywhere in Monongalia 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 Monongalia County with bad credit?
Yes, many lenders in our network work with Monongalia 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 Monongalia 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. Monongalia County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Monongalia County?
Yes. When an unexpected bill comes up, Monongalia 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.