Loans in Monroe County, WV: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Monroe County, WV.
The median household in Monroe County earns $56,750 a year, about the same as the West Virginia median of $59,608. About 14% of residents live below the federal poverty line, and 13.1% of households rent their home. 15.2% of households have no home internet; our form works on any phone.
What you need for a personal loan in Monroe County
Lenders that serve Monroe 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 Monroe County
What Monroe County borrowers use it for
handle the unexpected the same week
Holiday expensesgifts and travel without maxing a card
Car repairskeep getting to work while the shop fixes it
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Monroe 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 Monroe County
Banks with branches in Monroe County
3 FDIC-insured bank branches from 3 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Bank of Monroe | 1 | 39 Main St, Union 24983 |
| The First National Bank of Peterstown | 1 | 380 Market Street, Peterstown 24963 |
| First Community Bank | 1 | 8454 Seneca Trail South, Lindside 24951 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Monroe County. The nearest counties with credit unions:
Credit unions in Greenbrier County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Alderson Fci | Po Box A, Alderson 24910 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Mercer County
4 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| National Employees | 314O E Cumberland Rd, Bluefield 24701 |
| Mercer County W Va Teachers | 258 Blue Prince Rd Ste 102, Bluefield 24701 |
| Mcdowell County | 1027 Frederick St, Bluefield 24701 |
Source: NCUA credit union branch data, June 30, 2026.
All West Virginia counties and cities
Frequently asked questions
Are payday loans legal in Monroe County?
Monroe County follows West Virginia law. Payday loans are not allowed in West Virginia.
Are title loans legal in Monroe County?
There is no title-loan law in West Virginia.
Where can I get a small loan in Monroe County?
Options include 3 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 Monroe County?
Fill out our short online form from anywhere in Monroe 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 Monroe 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. Monroe County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Monroe County, WV?
You can apply at banks, credit unions and lenders in Monroe 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 Monroe County?
Yes. You don't need to visit a branch or storefront anywhere in Monroe 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 an emergency loan in Monroe County?
Yes. When an unexpected bill comes up, Monroe 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.