Payday Loans in Wyoming, 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 Wyoming, WV. Consider companies in other cities:

Company nameAddressZip codePhone number
Buddy Light Accounting & Tax Services 321 Locust St, New Martinsville, WV 26155 +1 (304) 455 - 6193
Justice Federal Credit Union 1000 Custer Hollow Rd 408C1, Clarksburg, WV 26306 +1 (304) 622 - 1453
American Trust Bank 67 N Main St, Keyser, WV 26726 +1 (301) 786 - 4691
WEE Federal Credit Union 3312 Dudley Ave, Parkersburg, WV 26104 +1 (304) 420 - 9517
Summit Community Bank 90 S Grove St, Petersburg, WV 26847 +1 (304) 257 - 1244
WesBanco Bank 135 Elizabeth Pike, Mineral Wells, WV 26150 +1 (304) 489 - 9594
Summit Community Bank 251 E Main St, West Union, WV 26456 +1 (304) 873 - 2401
Thrivent Financial for Lutherans 2088 Grassy Meadows Road, Alderson, WV 24910 +1 (681) 495 - 1954
Carl's Pawn Shop 3410 Emerson Ave, Parkersburg, WV 26104 +1 (304) 428 - 7296
Woodforest National Bank 100 Nitro Market Pl, Nitro, WV 25143 +1 (304) 769 - 0102

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Wyoming, WV, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Charleston, WV, Payday Loans in Huntington, WV, Payday 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 Wyoming, WV.

Are Payday Loans Legal In Wyoming, 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

Wyoming, WV payday loan calculator

Payday Loans in Wyoming and West Virginia: What You Need to Know

Payday loans can seem like a quick and easy solution to financial problems, but they also come with risks and potential consequences. In this article, we’ll take a closer look at payday loans in Wyoming and West Virginia and what you need to know before considering one.

How Payday Loans Work

A payday loan is a small, short-term loan typically intended to cover unexpected expenses or bills until your next paycheck. Typically, payday loans have a term of just a few weeks and are meant to be repaid in full when you receive your next paycheck.

To obtain a payday loan, you’ll need to provide proof of income and a checking account. You’ll also need to sign a post-dated check for the full amount of the loan plus any fees and interest charges.

Payday Loans in Wyoming

In Wyoming, payday loans are legal and regulated by the Wyoming Division of Banking. The maximum loan amount is $1000, and the maximum term is one calendar month. The annual percentage rate (APR) for a payday loan in Wyoming can vary depending on the amount borrowed, but the maximum APR is 780%.

It’s important to note that payday lenders in Wyoming are required to provide a written contract that outlines all fees and charges associated with the loan. Additionally, Wyoming law allows borrowers to cancel a loan within one business day of receiving the loan proceeds without penalty.

Payday Loans in West Virginia

Payday loans are illegal in West Virginia. In 2007, West Virginia passed a law that prohibited payday lenders from operating in the state. The law defines a payday loan as a loan with a term of less than 120 days and a finance charge greater than or equal to 36%.

While payday loans are prohibited in West Virginia, some consumers may still be targeted by unscrupulous lenders. It’s important to be aware of the dangers of payday loans and the alternatives available.

The Risks of Payday Loans

Payday loans come with a variety of risks and potential consequences. First and foremost, the high interest rates and fees associated with payday loans can make them difficult to repay. This can lead to a cycle of debt where borrowers take out new loans to pay off old ones.

Additionally, payday lenders often have access to borrowers’ bank accounts, which can lead to unauthorized withdrawals and overdraft fees. And if a borrower is unable to repay a payday loan, the lender may take legal action, which can lead to wage garnishment and other serious consequences.

Alternatives to Payday Loans

If you’re in need of quick cash, there are alternatives to payday loans that may be less risky. These include:

  • Credit card cash advances: While still expensive, credit card cash advances typically have lower interest rates than payday loans.
  • Personal loans: If you have good credit, you may be able to qualify for a personal loan with a lower interest rate than a payday loan.
  • Community assistance programs: Many local organizations offer financial assistance programs for those in need.
  • Selling unused possessions: Selling items you no longer need can be a quick way to generate cash.

Interesting Facts and Statistics about Payday Loans in Wyoming and West Virginia

  • In Wyoming, the average payday loan is $360 and has an APR of 563%.
  • In 2016, payday lenders in Wyoming charged over $17 million in fees and interest charges.
  • In West Virginia, the average payday loan has an APR of 297%.
  • According to a 2018 survey, 12% of West Virginia residents reported taking out a payday loan in the past year.

Apply Now

At TheGuaranteedLoans, we understand that unexpected expenses can arise when you least expect them. That’s why we offer a free, simple online application process to connect you with potential lenders who may be able to help.

It’s important to note that TheGuaranteedLoans is not a direct lender, but rather a connector service. We work with a network of reputable lenders who may be able to offer you a loan that fits your needs and budget. To get started, simply fill out our online application form and we’ll take care of the rest!

Remember, payday loans can be risky and expensive. Before considering a payday loan, explore all your options and make an informed decision.

F.A.Q.

Are there any alternatives to payday loans in Wyoming, West Virginia?

Yes, there are several alternatives to payday loans in Wyoming, West Virginia, including credit unions, community development financial institutions, and small-dollar loan programs offered by banks and credit unions.

Can I still take out a payday loan if I live in Wyoming, West Virginia but the lender is based in another state?

No, it is illegal for payday lenders to offer loans to residents of West Virginia, regardless of where the lender is located.

Look for Short-Term Loans in Other Cities: