Loans in Raleigh County, WV: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Raleigh County, WV.
The median household in Raleigh County earns $52,150 a year, 13% below the West Virginia median of $59,608. About 23% of residents live below the federal poverty line, and 24.7% of households rent their home. 14.5% of households have no home internet; our form works on any phone.
What you need for a personal loan in Raleigh County
Most Raleigh 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 Raleigh County
What Raleigh County borrowers use it for
gifts and travel without maxing a card
Rent duecover a short gap before payday
Car repairskeep getting to work while the shop fixes it
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Raleigh 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 Raleigh County
Banks with branches in Raleigh County
28 FDIC-insured bank branches from 11 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| City National Bank of West Virginia | 7 | 1 Park Ave, Beckley 25801 |
| JPMorgan Chase Bank, National Association | 3 | 4140 Robert C Byrd Dr, Beckley 25801 |
| United Bank | 3 | 129 Main St, Beckley 25801 |
| Pioneer Community Bank, Inc. | 3 | 822 Robert C Byrd Dr, Sophia 25921 |
| First Community Bank | 2 | 111 Citizens Dr, Beckley 25801 |
| Pendleton Community Bank, Inc. | 2 | 204 Pinewood Dr, Beckley 25801 |
| Whitesville State Bank | 2 | 7022 Haper Rd, Glen Daniel 25844 |
| Burke & Herbert Bank & Trust Company | 2 | 1826 Harper Rd, Beckley 25801 |
| MCNB Bank and Trust Co. | 2 | 85 Jerome Van Meter Dr, Beckley 25801 |
| Truist Bank | 1 | 3849 Robert C Byrd Dr, Beckley 25801 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Raleigh County
9 credit-union locations from 8 credit unions.
| Credit union | Location |
|---|---|
| Raleigh County | 200 Veterans Ave, Beckley 25801 |
| Fayette | 6058 Robert C Byrd Dr, Mount Hope 25880 |
| Bayer Heritage | 3695 Robert C Byrd Dr, Beckley 25801 |
| Star Usa | 3871 Robert C Byrd Dr, Beckley 25801 |
| Mountain Heritage | 110 N Heber St, Beckley 25801 |
| Celco Community | 3871 Robert C Byrd Dr, Beckley 25801 |
| Raleigh Co. Educators | 105 Adair St, Beckley 25801 |
| Alderson Fci | 1600 Industrial Park Rd, Beaver 25813 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Raleigh County
All West Virginia counties and cities
Frequently asked questions
Are payday loans legal in Raleigh County?
Raleigh County follows West Virginia law. Payday loans are not allowed in West Virginia.
Are title loans legal in Raleigh County?
There is no title-loan law in West Virginia.
Where can I get a small loan in Raleigh County?
Options include 28 bank and 9 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 Raleigh County?
Fill out our short online form from anywhere in Raleigh 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 Raleigh County?
Yes. You don't need to visit a branch or storefront anywhere in Raleigh 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.
Where can I get a loan in Raleigh County, WV?
You can apply at banks, credit unions and lenders in Raleigh 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 Raleigh 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. Raleigh County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Raleigh County with bad credit?
Yes, many lenders in our network work with Raleigh 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.