Payday Loans in Prosperity, West Virginia

All Credits Welcome!

If you have a bad credit score, then don’t worry – it’s not an issue for us!

TGL Loan Services

You can get your money fast after filling out the simple form on the "Get Started" page! Lenders cannot guarantee the approval, but they could approve your loans, even if you are unemployed, receiving government benefits.

Fast Money In Your Bank

You can get your money within hours after filling out the form! We work 24/7 for you!
  • This form is protected with secure 256-bit SSL encryption
  • By clicking “Get Started”, I consent and agree to the Privacy Policy and Terms of Use.

No payday loan companies in Prosperity, WV. Consider companies in other cities:

Company nameAddressZip codePhone number
WEPCO Federal Credit Union 459 New Creek Highway, Keyser, WV 26726 +1 (304) 788 - 5305
Peoples Bank 421 Main St, Point Pleasant, WV 25550 +1 (304) 675 - 4480
Jefferson Security Bank 1861 Edwin Miller Blvd, Martinsburg, WV 25404 +1 (304) 264 - 0900
City National Bank 200 Academy Dr, Ripley, WV 25271 +1 (304) 372 - 7536
Miller & Miller 216 Market St 305, Spencer, WV 25276 +1 (304) 927 - 1346
Walmart Money Center 167 Progress Way, Hurricane, WV 25526
Woodforest National Bank 800 Foxcroft Ave, Martinsburg, WV 25401 +1 (304) 260 - 1082
Fortify Private Wealth Management - Ameriprise Financial Services, LLC 3 E Main St, Buckhannon, WV 26201 +1 (304) 472 - 8483
Logan Bank & Trust 462 Friendly Neighbor Rd, Chapmanville, WV 25508 +1 (304) 855 - 7000
Fifth Third Bank & ATM 702 Virginia St E, Charleston, WV 25301 +1 (304) 353 - 4100

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Prosperity, WV, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Charleston, WV, Bad Credit Loans in Huntington, WV, Bad Credit Loans in Morgantown, WV and Payday Loans in Parkersburg, WV. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Prosperity, WV.

Beautiful sights of Prosperity, WV

Payday Loans Available in Prosperity, WV By The Following ZIP Codes:

25909

Are Payday Loans Legal In Prosperity, West Virginia?

Payday Lending is Prohibited in West Virginia

West Virginia Loan Regulations

Legal StatusProhibited
Interest Rate (APR, %)Prohibited
Maximum Loan AmountProhibited
Minimum Loan TermProhibited
Maximum Loan TermProhibited
Number of Rollovers AllowedProhibited
Finance ChargesProhibited

Prosperity, WV payday loan calculator

Payday Loans in Prosperity, West Virginia: What You Need to Know

Payday loans are a type of short-term loan that can be obtained quickly and easily, but they can also lead to financial debt and long-term financial problems. If you’re considering a payday loan in Prosperity, West Virginia, it’s important to know that payday loans are prohibited in the state.

The Risks of Payday Loans

Payday loans are known for their high-interest rates and fees, which can make it difficult for borrowers to pay off their loans on time. In some cases, payday loan borrowers end up in a cycle of debt, taking out additional loans to cover the cost of their existing ones.

The Consumer Financial Protection Bureau reports that over 80% of payday loans are reborrowed within a month, and nearly 70% of borrowers take out a second payday loan within a month of paying off their first loan.

Payday Loans in West Virginia

In West Virginia, payday loans are prohibited by law, under the West Virginia Code §46A-4-107 and §32A-3-1 et. seq. These laws prohibit payday lending and set limits on the interest rates that lenders can charge on loans.

The West Virginia Attorney General’s Office advises residents to be wary of online payday lenders, as many of these lenders are not licensed to do business in the state and may be operating illegally. Residents should also be aware of other types of short-term loans, such as car title loans, which may also have high-interest rates and fees.

Alternatives to Payday Loans

If you’re facing a financial emergency and need quick cash, there are alternatives to payday loans that can help you avoid high-interest rates and fees.

  • Personal Loans: Personal loans from banks, credit unions, and online lenders can be a good option for borrowers with good credit. These loans typically have lower interest rates and more favorable terms than payday loans.
  • Credit Card Cash Advances: If you have a credit card, you may be able to get a cash advance. While the interest rates on cash advances can be high, they are typically lower than payday loan interest rates.
  • Government Assistance: Depending on your income and financial situation, you may be eligible for government assistance programs like Medicaid, Temporary Assistance for Needy Families (TANF), or the Supplemental Nutrition Assistance Program (SNAP).

If you’re struggling with debt and need help managing your finances, you may want to consider reaching out to a non-profit credit counseling agency. These organizations can help you create a budget, negotiate with creditors, and develop a plan for paying off your debt.

Interesting Facts about Payday Loans in West Virginia

  • The average payday loan in West Virginia is $388, with an average interest rate of 130%.
  • In 2017, West Virginia became the 15th state to prohibit payday lending.
  • The Consumer Financial Protection Bureau has proposed rolling back regulations on payday lending, which could make it easier for lenders to offer high-interest loans.

Apply Now

If you’re in need of quick cash and want to explore your options for personal loans, TheGuaranteedLoans can help. We’re a connecting service that puts borrowers in touch with potential lenders. Fill out our online application today and get connected with a lender who can help you find the right loan for your needs.

Please note that TheGuaranteedLoans is not a direct lender and does not make lending decisions. We’re a connecting service that facilitates your connection with potential lenders. The terms and conditions of your loan will be determined by the lender you’re connected with.

F.A.Q.

How do I know if a lender is offering illegal payday loans in Prosperity, West Virginia?

Lenders offering illegal payday loans in Prosperity, West Virginia may not be licensed by the state and may have high interest rates and fees that are not allowed under state law.

What can I do if I have taken out an illegal payday loan in Prosperity, West Virginia?

If you have taken out an illegal payday loan in Prosperity, West Virginia, you can contact the West Virginia State Department of Financial Services to report the lender and seek assistance in resolving the issue.

Look for Short-Term Loans in Other Cities: