Loans in Summers County, WV: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Summers County, WV.
The median household in Summers County earns $40,699 a year, 32% below the West Virginia median of $59,608. About 24% of residents live below the federal poverty line, and 18.8% of households rent their home. 26.3% of households have no home internet; our form works on any phone.
What you need for a personal loan in Summers County
Lenders that serve Summers 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 Summers County
What Summers County borrowers use it for
gifts and travel without maxing a card
Need money nowthe fastest options online
Rent duecover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Summers 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 Summers County
Banks with branches in Summers 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 |
|---|---|---|
| Burke & Herbert Bank & Trust Company | 1 | 321 Temple St, Hinton 25951 |
| City National Bank of West Virginia | 1 | 491 Stokes Dr, Hinton 25951 |
| First Community Bank | 1 | 215 Pleasant Street, Hinton 25951 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Summers County. The nearest counties with credit unions:
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.
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.
All West Virginia counties and cities
Frequently asked questions
Are payday loans legal in Summers County?
Summers County follows West Virginia law. Payday loans are not allowed in West Virginia.
Are title loans legal in Summers County?
There is no title-loan law in West Virginia.
Where can I get a small loan in Summers 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 Summers County?
Fill out our short online form from anywhere in Summers 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 Summers County?
Yes. When an unexpected bill comes up, Summers 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.
Can I apply for a loan online in Summers County?
Yes. You don't need to visit a branch or storefront anywhere in Summers 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 Summers County with bad credit?
Yes, many lenders in our network work with Summers 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.
Where can I get a loan in Summers County, WV?
You can apply at banks, credit unions and lenders in Summers 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.