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West Virginia (WV) lender directory

Installment Loans in West Virginia

Looking for an installment loan near you in West Virginia? Pick your city below. We list 16 stores in 16 West Virginia cities, built from lenders' own store pages. Data last checked October 9, 2026.

Read our guide: Installment Loans vs. Payday Loans: Costs, Terms and Which Is Safer

Payday loans in West Virginia: banned →

Installment loans by city

Installment loans in West Virginia: the rules

Rules marked "medium confidence" were checked against a published copy of the statute because the official site was unavailable to us. Confirm them with the official text before relying on them.

  • No one may make regulated consumer loans, or take assignments of or collect on them, without a license from the Commissioner. Source: W. Va. Code § 46A-4-101 · verified Oct 9, 2026 · medium confidence
  • On a regulated consumer loan of $3,500 or less not secured by real property, the loan finance charge may not exceed 31 percent a year on the unpaid balance. Source: W. Va. Code § 46A-4-107(2) · verified Oct 9, 2026 · medium confidence
  • On a loan above $3,500 up to $15,000 the finance charge may not exceed 27 percent a year, and 18 percent a year on any loan above $15,000. Source: W. Va. Code § 46A-4-107(3) · verified Oct 9, 2026 · medium confidence
  • A regulated consumer lender may not take an assignment of earnings to secure a loan, and any such assignment or order is void. Source: W. Va. Code § 46A-4-109(2) · verified Oct 9, 2026 · medium confidence

Lenders in West Virginia are licensed by the West Virginia Division of Financial Institutions (DFI). See also online lenders and apps in West Virginia.

Questions people ask

Are payday loans legal in West Virginia?

No. The West Virginia Division of Financial Institutions states on its consumer page that traditional "Payday Lenders" are generally prohibited within the state (W. Va. Code ch. 32A, art. 3) (W. Va. Code ch. 32A, art. 3 (as cited by the DFI consumer page)).

How many installment lenders are in West Virginia?

We list 16 installment lenders in West Virginia, in 16 cities.

Which West Virginia cities have the most installment lenders?

Beckley (1), Buckhannon (1), Charleston (1), Clarksburg (1) and Huntington (1).

How much can lenders charge in West Virginia?

On a regulated consumer loan of $3,500 or less not secured by real property, the loan finance charge may not exceed 31 percent a year on the unpaid balance (W. Va. Code § 46A-4-107(2)). More limits are listed under the state rules on this page.

How do I check a lender's license in West Virginia?

Lenders in West Virginia are licensed by the West Virginia Division of Financial Institutions (DFI). Contact the regulator, or use NMLS Consumer Access for lenders licensed through NMLS.

Answers are generated from the listings and verified rules on this page; see Sources below.

Sources

Listings, statistics and rules on this page come from these sources, with how many locations each one supplied.

  1. OneMain Financial branches (WV) · 16 locations Last verified Oct 11, 2026
  2. W. Va. Code ch. 32A, art. 3 (as cited by the DFI consumer page) · Payday loans (deferred presentment) Last verified Oct 9, 2026 · medium confidence
  3. W. Va. Code § 46A-4-101 · Installment and consumer finance loans Last verified Oct 9, 2026 · medium confidence
  4. W. Va. Code § 46A-4-107(2), W. Va. Code § 46A-4-107(3) · Installment and consumer finance loans Last verified Oct 9, 2026 · medium confidence
  5. W. Va. Code § 46A-4-109(2) · Installment and consumer finance loans Last verified Oct 9, 2026 · medium confidence

We re-check sources regularly and show the date each was last verified. Spotted a mistake? Tell us and we'll check it against the source.

CashAdvance is not a lender and does not take applications. Listings are information only, built from public records (such as state license lists) and lenders' own published details. Confirm hours, fees and terms with the lender before you visit or borrow.