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.
West Virginia law does not allow payday loans, so there is no request form for them. See Other options in West Virginia and free help below.
| Product | Status | APR cap | Amount | Term | License | Law |
|---|---|---|---|---|---|---|
| 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
Worth checking whatever your credit: these can cost less than a high-rate loan.
- Emergency loans in West Virginia: allowed under West Virginia law; see its limits and license rules.
- Installment loans in West Virginia: allowed under West Virginia law; see its limits and license rules.
- Personal loans in West Virginia: allowed under West Virginia law; see its limits and license rules.
- Credit union payday alternative loans (PALs). Federal credit unions may offer small loans of up to $2,000 with terms of up to 12 months and an APR no higher than 28%, under NCUA rules (12 CFR 701.21). You usually need to be a member.
- Nonprofit credit counseling. A counselor accredited by the National Foundation for Credit Counseling can help you build a budget or a debt management plan.
- Ask your creditor for a payment plan. Utilities, hospitals and many lenders offer hardship or extended payment plans if you ask before you miss a payment.
- Local assistance. Call 211, or visit 211.org, for emergency help with rent, utilities and food in West Virginia.
Help in West Virginia
Payday loans in nearby states
- VirginiaAllowed 36% APR
- OhioAllowed 28% APR
- District of ColumbiaNot allowed Not allowed
- MarylandNot allowed Not allowed
- PennsylvaniaNot allowed Not allowed
Sources
- code.wvlegislature.gov. W. Va. Code sec. 46A-4-107. Retrieved September 23, 2026.
- dfi.wv.gov. West Virginia Division of Financial Institutions (DFI). Retrieved September 23, 2026.
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.