Your one-stop guide to bad credit loans and help in your state.
MenuClose

Not allowed in West Virginia

Title loans are not allowed in West Virginia

West Virginia law does not allow title 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 title loans, so we show no request form. There is no West Virginia license that authorizes them. Read the law: W. Va. Code chapter 46A. Regulator: West Virginia Division of Financial Institutions (DFI).

Title loans in West Virginia
ProductStatusAPR capAmountTermLicenseLaw
Title loans[1][2] Not allowed Not allowed Not set by statute Not set by statute None listed W. Va. Code chapter 46A
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.

Title loans in nearby states

Sources

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

Back to top

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.

  • BadCreditMD is not a lender or broker and does not make loans or credit decisions. When you submit a request, a lending network partner shares it with third-party lenders, and those lenders or the partner may pay us a fee for each referral. The lenders decide whether to offer you a loan.
  • There is no fee to use BadCreditMD. Lenders or our lending network partner may pay us.
  • Lenders set their own rates, fees and terms. Offers depend on your credit, income, state of residence and each lender's criteria.
  • Our service is not available in all states, and not every loan type is available in every state.
  • By submitting a request you consent to lenders checking your credit, which may affect your score, and to your information being shared with them.
  • Submitting a request does not mean you will be approved or funded, or that you will receive any particular amount or rate.
  • Short-term loans are costly and are not a long-term financial solution. Borrow only what you can repay on time.
  • BadCreditMD publishes general information about loans and state rules. It is not legal or financial advice.
  • BadCreditMD is operated by BadCreditMD, LLC, 30 N Gould St Ste N, Sheridan, WY 82801. Contact: pr@badcreditmd.com. Full details are on our disclosures page and disclaimer.
  • Questions about a lender licensed in West Virginia? Contact the West Virginia Division of Financial Institutions (DFI) or file a state complaint.
  • You can submit a complaint about any lender to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint.