Loans in Wayne County, WV: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Wayne County, WV.
The median household in Wayne County earns $58,878 a year, about the same as the West Virginia median of $59,608. About 15% of residents live below the federal poverty line, and 21.4% of households rent their home. 11.9% of households have no home internet; our form works on any phone.
What you need for a personal loan in Wayne County
Most Wayne 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 Wayne County
What Wayne County borrowers use it for
keep getting to work while the shop fixes it
Medical billspay a doctor, dentist or pharmacy bill now
Moving costsdeposits, trucks and first-week expenses
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Wayne 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 Wayne County
Banks with branches in Wayne County
5 FDIC-insured bank branches from 5 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| United Bank | 1 | 555 C St, Ceredo 25507 |
| Community Trust Bank, Inc. | 1 | 735 Court Street, Fort Gay 25514 |
| City National Bank of West Virginia | 1 | 206 Central Ave, Wayne 25570 |
| Huntington Federal Savings Bank | 1 | 500 Camden Rd, Huntington 25704 |
| Guaranty Bank Inc. | 1 | 608 Hendricks Street, Wayne 25570 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Wayne County
4 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Star Usa | 1540 Spring Valley Dr, Huntington 25704 |
| Huntingtonized | 60 Mcginnis Dr, Wayne 25570 |
| Metro Community | 4753 Wv-152, Lavalette 25535 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Wayne County
All West Virginia counties and cities
Frequently asked questions
Are payday loans legal in Wayne County?
Wayne County follows West Virginia law. Payday loans are not allowed in West Virginia.
Are title loans legal in Wayne County?
There is no title-loan law in West Virginia.
Where can I get a small loan in Wayne County?
Options include 5 bank and 4 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 Wayne County?
Fill out our short online form from anywhere in Wayne 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 Wayne 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. Wayne County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Wayne County, WV?
You can apply at banks, credit unions and lenders in Wayne 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 an emergency loan in Wayne County?
Yes. When an unexpected bill comes up, Wayne 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 Wayne County?
Yes. You don't need to visit a branch or storefront anywhere in Wayne 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.