Loans in Nicholas County, WV: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Nicholas County, WV.
The median household in Nicholas County earns $54,639 a year, 8% below the West Virginia median of $59,608. About 15% of residents live below the federal poverty line, and 17.8% of households rent their home. 14.2% of households have no home internet; our form works on any phone.
What you need for a personal loan in Nicholas County
Lenders that serve Nicholas 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 Nicholas County
What Nicholas County borrowers use it for
keep getting to work while the shop fixes it
Emergencieshandle the unexpected the same week
Rent duecover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Nicholas 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 Nicholas County
Banks with branches in Nicholas County
8 FDIC-insured bank branches from 6 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First Community Bank | 3 | 16 W Main St, Richwood 26261 |
| Community Trust Bank, Inc. | 1 | 507 Main St, Summersville 26651 |
| Truist Bank | 1 | 815 Northside Dr, Summersville 26651 |
| United Bank | 1 | 2004 Webster Rd, Summersville 26651 |
| Woodforest National Bank | 1 | 200 Wal St, Summersville 26651 |
| Pendleton Community Bank, Inc. | 1 | 813 Main St, Summersville 26651 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Nicholas County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Star Usa | 5201 Webster Rd, Summersville 26651 |
Source: NCUA credit union branch data, June 30, 2026.
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Frequently asked questions
Are payday loans legal in Nicholas County?
Nicholas County follows West Virginia law. Payday loans are not allowed in West Virginia.
Are title loans legal in Nicholas County?
There is no title-loan law in West Virginia.
Where can I get a small loan in Nicholas County?
Options include 8 bank and 1 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 Nicholas County?
Fill out our short online form from anywhere in Nicholas 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 Nicholas County?
Yes. When an unexpected bill comes up, Nicholas 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 Nicholas County, WV?
You can apply at banks, credit unions and lenders in Nicholas 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 Nicholas County?
Yes. You don't need to visit a branch or storefront anywhere in Nicholas 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 Nicholas 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. Nicholas County residents can start any time, and it takes about 3 minutes.