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Not allowed in West Virginia

Payday loans are not allowed in West Virginia

West Virginia law does not allow payday loans, so there is no request form for them here. Here are other options and free help in West Virginia.

BadCreditMD is not a lender or broker. We explain your options; a lending network partner shares requests with lenders, who set their own rates and decide whether to lend. See disclosures.

Last updated .

Part of the West Virginia guide

Why this is not available

West Virginia law does not allow payday loans, so we show no request form. There is no West Virginia license that authorizes them. Read the law: W. Va. Code sec. 46A-4-107. Regulator: West Virginia Division of Financial Institutions (DFI); West Virginia Attorney General.

Payday loans in West Virginia
ProductStatusAPR capAmountTermLicenseLaw
Payday loans[1][2] Not allowed Not allowed Not set by statute Not set by statute None specific to payday lending W. Va. Code sec. 46A-4-107
Verified against the statute and regulator on September 23, 2026. Laws change; confirm with the regulator before you borrow.

Other options in West Virginia

Cheaper options to try first

  • Credit union payday alternative loans (PALs), capped at 28% APR under NCUA rules (12 CFR 701.21).
  • Nonprofit credit counseling through the National Foundation for Credit Counseling.
  • A payment plan from the company you owe, if you ask before you miss a payment.
  • 211 for help with rent, utilities and food: call 211 or visit 211.org.

More cheaper options in West Virginia.

Other loan types allowed in West Virginia

See every loan type West Virginia law allows.

Payday loans in nearby states

Sources

  1. code.wvlegislature.gov. W. Va. Code sec. 46A-4-107. Retrieved September 23, 2026.
  2. dfi.wv.gov. West Virginia Division of Financial Institutions (DFI). Retrieved September 23, 2026.

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Important disclosures

APRs vary by lender and state in West Virginia. Each lender sets its own rates and terms and must show you the APR before you sign.

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  • Questions about a lender licensed in West Virginia? Contact the West Virginia Division of Financial Institutions (DFI); West Virginia Attorney General or file a state complaint.
  • You can submit a complaint about any lender to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint.