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West Virginia Payday Loans

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Last Updated 16.11.2022
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West Virginians’ income per capita is lower than the national income per capita, although the living cost is lower than the national average. There will always be a time when West Virginians need quick cash until the next payday.

So, if you need emergency cash but have no savings, you may look for loans from banks or credit unions. It will be a harder and a long process to get a loan for those, especially if you have poor credit.


You may describe a loan as a short-term loan that someone can get until their next payday. Payday loans offer an immediate cash advance that is typically due on your next paycheck. It is also called cash advance payday loans, check advance loans, short-term loans, and fast cash loans.

Typically, payday loans have high interest rates, even reaching triple-digit APR. Generally, payday loans let you borrow a sum of money for $100 up to $2,000 within two weeks’ payments.

Payday loans offer a rapid and easy approval process, even approve a matter of minutes. Furthermore, you can apply for payday loans online, making payday loans a great option for those who need money in a hurry.

Payday Loans in West Virginia Law and Legislation

Payday loan in West Virginia is prohibited according to the West Virginia Division of Financial Institutions. The West Virginia law limits the legal and licensed lenders to give a maximum of $2,000 with a 31% APR for small loans. Merchants cannot hold checks deposited to provide short-term payday loans and obtain a profit from the loan.

Payday loans are considered too expensive because of the high interests, and some loan providers are often associated with predatory practices. While there is a ban for payday loans, WV, you may still find lenders offer online payday loans. However, these payday loans are not legal, and they charge a high interest rate. But, it is a good option for those in emergency financial need.

The Pros and Cons of Payday Loans in West Virginia

Payday loans may not be bad at all. It may give several benefits to those in need, especially those with bad credit. When there is no option, people turn to payday loans because it offers a super easy, quick, and convenient process. Here are some other advantages you may get from payday loans in West Virginia:

  • Use the money for everything. Whatever the reasons, you can spend the payday loans for medical expenses, pay overdue bills, or car repair.
  • Most lenders will not check your credit scores, making it a perfect option for those with bad credit.
  • You can count on online payday, WV, anytime since most lenders are available 24/7, even during the weekend.
  • The easier process to get money. You can apply for payday loans and get the cash instantly in a day, even in minutes.
  • Most payday loans WV providers offer two weeks or one-month payments. You can ask your lender about payday loan repayment term options, whether it is possible to have a lower interest for longer-term.
  • Set the payment alarm on apps for online payday loans, West Virginia. You can set a notification when your payment schedule is due.

Payday loans in WV may give you several benefits. However, since these short-term loans are prohibited in West Virginia, there are also drawbacks. Here are some of the disadvantages of payday loans:

  • Too expensive
  • One significant disadvantage of payday loans is that they can be costly. Consider it as an unsecured and high-risk loan, and some lenders apply a high interest rate on payday loans. You may double or triple your original loan. It makes borrowers of payday loans in West Virginia having a hard time paying back the loan.

  • Ongoing debt cycle
  • With a higher interest rate, your loan is likely to accumulate, which may impact your finances. If you cannot make payments on time, you can get into another financial problem. For example, if you get payday loans in West Virginia but cant make the payment on time, you may apply for the second payday loans to pay off the first loan. So, it will make your loan extend, and it becomes worse if you need to pay the interest and fees while the original loan remains outstanding.

  • Predatory practices
  • Advance payday loans are often associated with predatory practices. Its considered to have unfair, unaffordable, or misleading loan terms and conditions. It may cause the borrower into a debt cycle because of the high interest that increases very quickly. Loan providers can be considered practicing predatory business because they dont check your ability to repay the loan and force you to roll over the original payday loans.

How Do Online Payday Loans, West Virginia Work?

If you face an emergency but dont have any savings, you may go to traditional financing to get a loan. But if you have bad credit, it will only waste your time. Those traditional loans require a few complicated documents and take time until you get approved.Unlike the traditional ones, payday loans in West Virginia will cut the procedures. By applying online, you will get approved in a matter of minutes. The quick and easy application process is the biggest benefit of payday loans.

When you decide to apply, loan providers will verify your bank checking account and income to confirm your ability to pay the loan. Once your payday loan application is approved, the lender will deposit the fund into your verified bank account.

Before sending the money, lenders require you to write a post-dated paycheck that consists of the loan amount and the interest. Thus, you should set the paycheck automatically deposited into the verified bank, so it can be set to coincide with your payroll.

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How Can I Get Payday Loans, West Virginia?

You can apply online through the lender’s website. Their online application is completely confidential and secure without the risk of interception by third parties.Furthermore, the process is straightforward. You need to get online and fill in the application form with all the information needed. You are required to fill in your details like name, address, social security number, and date of birth.

You are qualified for online payday loans in West Virginia if you meet the following requirements:

  • Must be at least 18 years old.
  • If you are a citizen of the United States or a permanent resident.
  • Being employed for at least a month.
  • Have a good standing active checking account.
  • Provide an email address and a working phone.

Lenders offer guaranteed approval for payday loans by more than 90%. So, if your application is already submitted, you will get approved within minutes, and your lender will deposit the fund into your checking account.


What Are Other Alternatives to Get Cash Advance in West Virginia

Cash advance payday loans are a perfect option if you have no other options to get an emergency fund. But, the high high-interest rates and payments of payday loans may get you into a cycle of debt.

Before you are applying for online payday, WV, you should consider other alternatives for payday loans, such as:

  • Local charities and non-profits organizations
  • If you need an emergency fund to cover your essential expenses, you can check local charities and non-profit organizations near you. These local funding sources offer help to those who need groceries, gas, and other emergency expenses. They donate food, clothing, or bus tickets for job interviews or medical appointments. Some of them may require your pay stubs as proof that you need help.

  • Family member or friend
  • You can borrow money from your family member or friend for another alternative payday loan in West Virginia. Asking someone you are close enough will not impact your credit score, maybe only your pride. You can discuss and set with the lender how youre going to repay, whether it’s all at once or in installments.But, if you decide to get a loan from one of your family members or friends, make sure you pay the loan on time. Otherwise, it will jeopardize your relationship.

  • Pawnshop
  • If you have something valuable, you can get it at the pawnshop. They will assess its value and determine the price for the loan. You will know on the spot whether they will give you a loan and how much it would be plus the interest rates.

  • Applying for a bad credit loan
  • It will never hurt anyone if you check your credit score first before you get payday loans, WV. Your credit score may not be that bad as you think. You can ask for a free copy of your credit history every 12 months from the credit bureaus like Equifax, Experian, and TransUnion.

You may find that your credit score is fair. However, if your score is below 690, you can apply for a bad credit loan. Usually, some lenders will offer loan schemes based on your credit scores and your income. If you are qualified and get approved, you will get the fund on the same or next business day.

You can also check the alternative for payday loans with federal assistance programs like the Supplemental Nutrition Assistance Program (SNAP), Medicaid, Low Income Energy Assistance Program (LIEAP), and more.

Payday Loans, West Virginia Companies Regulations

As you may know, payday loans in West Virginia are prohibited. Each loan provider may have different rules and regulations. If you are a U.S citizen or permanent resident holder and at least 18 years old, you are qualified to get the cash advance payday loans.

Some lenders offer small instant cash advances in WV from $100 with no credit check and no monthly fee. Meanwhile, some loan providers will check your credit score during the review process. They need to know your credit score to set the interest rate, so they can offset the risk of loss if you fail to make repayment. The lenders also have their own rules to determine the interest rates and payment period. However, West Virginia states limit the interest at 31% on small loans up to $2,000.

Lenders may charge you additional fees or late payment fees if you fail to make a repayment. Furthermore, they may send you a debt collector to get their money. It is always recommended that you read and learn the loan agreement before you sign the contract.

Payday Loans in West Virginia with Poor Credit

Having good credit is everyone’s dream, especially if you need an emergency cash advance, WV. You can get a loan with a fair interest rate and affordable payments. For those with poor credit, the options are limited. While payday loans in West Virginia are not illegal, you can find cash advance payday loans from providers around you.

Applying for cash advance payday loans is easy and fast. Usually, you will get approved in a matter of minutes, which makes it an excellent option if you are really in an emergency. But, you should keep in mind that payday loan providers may charge you very high interest. Thus, with a high cost of interest rate in a concise time, you have to pay more money. The high interest of lenders is a variety from one lender to another.

Since West Virginia laws prohibit payday loans, it will be harder for those with bad credit to get a loan. In most cases, if you had poor credit, a payday loan is a good fit for you. The loans offer an easy and quick application process, and you will get money immediately in minutes.

So, if you have no savings or extra cash in time for an emergency, our payday loans are ready to help 24/7, even during weekends and holidays. Before you apply and sign the agreement for payday loans, you must understand the terms and conditions well.

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