Personal loans in Huntington, WV
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Huntington, WV.
The median household in Huntington earns $45,100 a year, 24% below the West Virginia median of $59,608. About 26% of residents live below the federal poverty line, and 46.7% of households rent their home. 10.0% of households have no home internet; our form works on any phone.
West Virginia law that applies in Huntington
| Rate cap | Regulated consumer lenders may charge no more than 31% a year on loans of $3,500 or less not secured by real estate, 27% a year on loans over $3,500 up to $15,000 (or real-estate-secured loans), and 18% a year on loans over $15,000, calculated by the… |
|---|---|
| License required | Yes. |
Full rules with statute citations: Personal Loans in West Virginia. Cities in West Virginia cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a personal loan in Huntington
Most Huntington 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 Huntington
What Huntington borrowers use it for
gifts and travel without maxing a card
Car repairskeep getting to work while the shop fixes it
Moving costsdeposits, trucks and first-week expenses
Rent duecover a short gap before payday
Loans for your situation
How to get a personal loan in Huntington
- Choose an amount from $100 to $5,000 and complete one form.
- Lenders in our network review your request; many accept fair or bad credit.
- Compare the APR, monthly payment and total cost on any offer.
- If you accept, money is usually deposited in 1–2 business days.
Estimate your cost
Personal / installment loan calculator
Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms before you sign.
Banks and credit unions in the area
Banks with branches in Huntington
19 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 | 3 | 1900 3rd Ave, Huntington 25703 |
| Huntington Federal Savings Bank | 3 | 1049 5th Ave, Huntington 25701 |
| The Huntington National Bank | 2 | 919 5th Ave, Huntington 25701 |
| Truist Bank | 2 | 507 1st St, Huntington 25701 |
| United Bank | 2 | 2889 3rd Ave, Huntington 25702 |
| Peoples Bank | 2 | 101 5th Ave, Huntington 25701 |
| JPMorgan Chase Bank, National Association | 1 | 1000 5th Ave, Huntington 25701 |
| WesBanco Bank, Inc. | 1 | 823 8th St, Huntington 25701 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Huntington
17 credit-union locations from 13 credit unions.
| Credit union | Location |
|---|---|
| Desco | 1438 6Th Ave, Huntington 25701 |
| Pioneer Appalachia | 416 Main St, Huntington 25702 |
| Star Usa | 607 3Rd Ave, Huntington 25701 |
| First Priority | 500 Virginia Ave, Huntington 25701 |
| Universal | 317 31St St, Huntington 25702 |
| Huntingtonized | 481 8Th Ave W, Huntington 25701 |
| Metro Community | 215 18Th St, Huntington 25703 |
| Huntington C & O Railway Employees | 901 6Th Ave, Huntington 25701 |
| Chhe | 1340 Hal Greer Blvd, Huntington 25701 |
| Ibew 317 | 1848 Madison Ave Ste B, Huntington 25704 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Cabell County · Wayne County ·
Frequently asked questions
Can I get a personal loan with bad credit in Huntington?
Possibly. Lenders in our network consider applicants with fair and bad credit across West Virginia, including Huntington. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Huntington, WV?
31% up to $3,500; 27% to $15,000; 18% above.
How fast can I get a personal loan in Huntington?
Many online lenders give a decision within minutes and deposit funds in one to two business days after you sign. Your bank's processing time can add a day.
How do I apply for a personal loan with bad credit in Huntington?
Start by gathering your ID, proof of income and bank account details. Then complete our online form with accurate information about your income and the amount you need. Lenders in our network review your request, and many respond within minutes. Asking for an amount that fits your income can improve your chances. If you're approved, you'll review the full terms before signing.
Can I get a personal loan in Huntington with bad credit?
Yes, it's possible. Many lenders in our network work with borrowers who have fair, poor or limited credit, and they look at factors like income and employment, not just your score. Approval and rates depend on your full profile, and nothing is guaranteed, but checking your options is free. Huntington residents can see if they qualify for $100 to $5,000 in about 3 minutes.
Are personal loans bad for your credit?
Not necessarily. Checking offers often uses a soft inquiry that doesn't affect your score, though a lender may do a hard pull before final approval. Once you have the loan, on-time payments can help build your credit history, especially with lenders that report to the major bureaus, while missed payments can lower your score. Huntington residents can see their options in about 3 minutes.
How long does it take to get a personal loan in Huntington?
With online lenders, the process is usually fast. Our form takes about 3 minutes, many lenders make a decision within minutes, and approved funds are often deposited by the next business day. Some lenders may ask for documents such as pay stubs, which can add a little time. Having your information ready before you start helps you get money sooner in Huntington.
Can I get a personal loan with a 500 credit score?
It may be possible. A score around 500 limits options with traditional banks, but some online lenders consider low scores when you have steady income and an active bank account. Offers may be for smaller amounts, and approval isn't guaranteed. The quickest way to find out is to submit one request through our network and see whether lenders respond with an offer. It takes about 3 minutes.
Do I need to visit a store in Huntington?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.