West Virginia Payday Loans

If you are looking for a payday loan or a cash advance in West Virginia, you may have a hard time finding a legal lender. That's because **West Virginia payday loans are illegal**  under the state law that caps the annual percentage rate (APR) at **31%** for loans of $2,000 or less. This means that lenders who charge high fees and interest rates for short-term loans cannot operate in the state.

However, this does not mean that you have no options if you need some extra cash in West Virginia. You may still be able to find alternative sources of funding, such as **personal loans**, **credit cards**, **credit unions**, **friends and family**, or **government assistance programs**. These may offer lower interest rates, longer repayment terms, and more flexible eligibility criteria than payday loans.

Before you apply for any type of loan, make sure you understand the terms and conditions of the agreement. Check the APR, fees, penalties, and repayment options. Compare different lenders and choose the one that suits your needs and budget. Avoid borrowing more than you can afford to repay and always pay on time to avoid late fees and damage to your credit score.