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West Virginia Payday Loans up to $2K

West Virginia Payday Loans up to $2K

Get the necessary funds with Payday Loans in West Virginia quick and easy.

Anyone can face an emergency situation when they need cash fast and without questions. And in such cases, most people decide to apply for bad credit unsecured Payday Loans in West Virginia. Find out if you qualify for a loan online, check the rates and find other available alternatives.

Apply for Payday Loans in West Virginia from the Best Direct Lenders Online or find a Loan Store near your location.
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Cash Advance and other Money Offers in West Virginia:

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Are Payday Loans Legal in West Virginia?

Loan Rates and Fees, Laws and Regulations in West Virginia.

We've done a thorough research of the main lending details and presented them in the table to make it more clear and convenient for you:

Law status prohibited
MIN Loan Amount Payday Loans Prohibited
MAX Loan Amount $2,000
MAX APR Small loan rate cap 31% per year
Collateral or guarantor None, unsecured
Credit score requirements Available for Bad Credit
Payday Loan laws in WV Apply online

PayDay Loan Calculator

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Select the amount for the loan you want in order to get the principal, which is the basis that we use to calculate the interest and the total cost of the cash advance.
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The number of days within that you will be ready to repay the loan. It’s used to count the total cost of cash advance by multiplying the days by the amount of interest.
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To calculate the total cost of your loan, we take the minimal average APR legal in all States, which is 36%. This figure is only a representative, providing you with general information on how much the loan may cost. To find out a more accurate total, fill in the Annual Percentage Rate required by the lender you want to apply to.
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It’s the money charged by the lender for doing all the necessary paper work, bank transactions, etc., connected with lending you the money.
$ Your loan
+ $ Your fee
= $ Total Cost*

* Total Cost - The sum of money you are to pay off within the term you’ve chosen if you borrow the stated above amount for the average (or required by your lender) APR.

All the calculations are provided as guides only. They don’t guarantee 100% the same cost you are going to be charged but they do help you understand the overpay much better. Unless you change the APR, the calculations will be based on the average or lowest rate represented by most lenders for each loan type. You’ll find the accurate interest rate as well as the real cost of your cash advance after you get approved before you sign the agreement. It will depend on many factors including the amount, the term of the loan, your credit score and the lender’s conditions. Interest rates are not fixed figures and are subject to change at any time. As soon as you fill out an application and get approved all the details concerning the rates and terms will be sent to you.

Before you apply for a short-term cash advance online consider other Payday Loan alternatives:

  • Installment Loans and Personal Loans online
  • Debt Consolidation Loans, Credit Builder Loans, Credit Cards
  • Social services and local assistance programs
  • Additional part-time jobs or some side gigs and freelance opportunities to earn extra cash
  • Recycling for money
  • Help from your employer, creditors, family and friends
  • Traditional banks or credit unions.

Applying for a short-term Payday Loan you should be very careful and responsible. Plan your budget carefully not to default on the loan. Avoid rollovers, renewals, or extensions. It'll help you get out of Payday debt fast and easy.

Payday Loans alternatives in West Virginia

As Payday Loans are restricted in West Virginia, it is still possible to get credit or cash in other ways.

  • Installment Loans. They are available in the amounts of $1,000 - $5,000. The terms vary between 36 – 60 months. The repayment is in fixed monthly installments.
  • Personal Loans. Get up to $35,000 for any personal needs without a guarantor or collateral for up to 7 years term.

  • Credit card cash advance. If you have a credit card, consider a cash advance. Although expensive, this usually has a lower interest than payday loans and can help you get through a rough financial period.

  • Tribal loans. These are money from tribal lenders that operate on Native American sovereign land and aren’t regulated under state law. Make sure you’ve checked the lender’s reviews and reliability.
  • Get out a conventional loan from a bank or credit union. They are sometimes cheaper but take longer to get. Moreover, this option doesn’t suit borrowers with bad credit and those who don’t have a bank account or are not a member of a credit union.
  • Speak with your creditors to settle your debt. If you are going to apply for a Payday Loan because of some large bill you can’t pay, consider regulating this debt in another way. Discuss it with your creditor. He may reduce the payments. You may ask a debt relief company for help in these negotiations.
  • Try to apply through a loan connection service. They may find a suitable lender willing to offer you a small-dollar loan. Keep in mind that the lender you’re ultimately connected with must have interest rates and fees that abide by West Virginia law.
  • Ask family and friends for help. It may sound a bit embarrassing but it will definitely be the cheapest solution. Just don’t forget to pay the money back if you don’t want to spoil the relationship.
  • Apply for Government assistance programs. The variety of help can be great when you need a little bit extra to get by but don’t want to take out a new line of credit.

Requirements to qualify for a Payday Loan in West Virginia:

What do I need to qualify for a short-term cash advance?

Independent lenders have their own individual requirements that must be met, but typical minimum requirements include, but may not be limited to:

  • West Virginia (US) residence
  • Minimum regular income of $1,000 per month
  • Valid checking or savings account with direct deposit
  • Phone number and e-mail address (if applying online, you must be able to be contacted via phone if verification of application information is necessary)
  • Not be a regular or reserve member of the Air Force, Army, Coast Guard, Marine Corps or Navy (or be a dependent of someone who is,) serving on active duty under a call or order that does not specify a period of 30 days or fewer.
  • If applying Online, you must provide a valid Social Security Number
  • If applying at Loan Store, you must bring a valid government issued photo ID. A Social Security Number might not be required
  • If applying in-store, you must bring proof of income and proof of a bank checking account. Debit cards or pre-printed checks may be accepted in your state as proof of bank checking account; contact your local store for details. Acceptable documents may vary by state.

References

1. http://www.ustatesloans.org/state-wv.html

2. http://paydayloanlegislation.com/west-virginia.html

3. http://www.wvago.us

FAQ

 
Can I get a Payday Loan in West Virginia with bad credit?
 
Are there No Credit Check Payday Loans in West Virginia?
 
How long does it take to get a Payday Loan in West Virginia?
 
Can i get a Payday Loan online if it's illegal?

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Any comments or reviews made on this website are only individual opinions of the readers and followers of the website. The website and its authors team are not responsible, nor will be held liable, for anything anyone says or writes in the comments. Further, the author is not liable for its’ readers’ statements nor the laws which they may break in the USA or their state through their comments’ content, implication, and intent.

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West Virginia Division of Financial Institutions
900 Pennsylvania Avenue
Suite 306
Charleston, WV 25302

Phone: (304) 558-2294 | Fax: (304) 558-0442

https://dfi.wv.gov/Pages/default.aspx

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