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Best Bad-Credit Loan Lenders in West Virginia

If you’re among the residents in West Virginia with a credit score of 699 — the average credit score in the state — it may not be challenging for you to qualify for a loan. Those with bad credit scores, 580 and below, may find it more difficult to obtain financing.

MoneyGeek reviewed over 30 personal loan lenders for more than 35 data points, including APR ranges, loan amounts, eligibility requirements, repayment terms, fees and more, to find the best bad-credit loan lenders in West Virginia. We found that Upstart is the best lender for borrowers with bad credit, followed by Upgrade.

Best Overall Bad-Credit Loan in West Virginia: Upstart

  • Upstart

    • 3.22% to 35.99%APR Range
    • 300Minimum Credit Score
    • $1,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Next DayTime to Receive Funds


Runner-Up for Best Bad-Credit Loan in West Virginia: Upgrade

  • Upgrade

    • 5.94% to 35.47%APR Range
    • 560Minimum Credit Score
    • $1,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Same DayTime to Receive Funds


How to Choose the Best Bad-Credit Loan in West Virginia for You

A personal loan can help you consolidate debt, finance a large purchase or pay for a home renovation. Depending on your funding needs and financial situation, a personal loan may set you up for financial success.

To make the best decision regarding your bad-credit loan in West Virginia, we recommend taking the following steps:


Ask Yourself the Important Questions

Asking yourself the following questions might help you decide if applying for a bad-credit loan in West Virginia is the best move for you:

  • How much funding do you need? Only take out the amount of money you need to avoid paying more interest. Knowing your funding needs can also help you short-list lenders, as lenders offer different loan amounts.
  • What is your credit score? Your credit score will determine your loan eligibility and rates. Consider improving your credit score to receive the best terms on your bad-credit loan.
  • Do you owe anyone money right now? If you have existing debt, taking on more may not be the best decision. Consider repaying your debt before applying for a bad-credit loan.
  • Are the monthly costs reasonable for you? Making a higher monthly payment will reduce the amount of interest that you’ll pay over the life of your loan. However, it’s important to still be able to afford your other expenses.
  • Have you considered any alternative debt-repayment options? Always opt for low-interest or interest-free options. You may consider taking out a low-interest credit card or borrowing from friends and family.

Do Your Research

MoneyGeek recommends researching providers for their rates, fees and terms to find the best option for you. While MoneyGeek does list some excellent choices for borrowers with bad credit in West Virginia, our recommendations are based on general borrower profiles, not your unique situation. Because of this, it’s important that you vet lenders keeping your needs in mind.


Read the Fine Print

It’s important to read the fine print of your loan agreement because this will outline fees for loan origination, prepayment and late payments. These fees may seem small, but they can significantly add up over time. If you have any questions about the terms of your loan, you should reach out to your lender for more information.



Before applying, it’s important to wait a few days. A loan is a significant commitment — most take between two and four years to repay — so it’s important that you’re confident in your choice of lender. You can think through your funding needs or seek alternative funding options.



Once you’ve completed the steps above, you can submit your loan application. To save time, gather all documents in advance. These may include proof of identification, address, employment and income. Some online-only lenders only allow online applications, while other lenders permit borrowers to apply over the phone or in person.

What to Do if You Can’t Get a Bad-Credit Loan in West Virginia

Lenders commonly reject applicants due to issues with their credit scores, DTI ratios and application details. If your application for a bad-credit loan in Virginia is rejected, don’t despair. Contact your lender to find out why.

Sometimes, simply modifying the terms of your loan, like the repayment period or loan amount, can lead to it being approved. Depending on your lender, they may approve your application if you add a co-signer.

If your application was rejected due to a low credit score, this may not be an easy fix. You could apply with a different lender that has more lenient requirements, but you risk further negatively impacting your score. Because of this, we recommend improving your credit before submitting another application.

Payday loans should be avoided at all costs. Although the approval process tends to be much easier, its high interest rates and short payback periods can negatively impact your finances.

Calculate Your Monthly Payment

Before applying for a loan, you should calculate your monthly payment, taking into account the interest and other fees. Use MoneyGeek's personal loan calculator to estimate your monthly payments and plan accordingly.



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Origination Fee Percentage


Origination Fee Fixed amount


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FAQs About Bad-Credit Loans in West Virginia

There are several things to consider when applying for a personal loan. MoneyGeek answered some of the most commonly asked questions about bad-credit loans in West Virginia to help you make a well-informed decision.


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MoneyGeek compared over 30 different personal loan providers for more than 35 key data points across six categories, including affordability, availability, customer service, versatility, transparency and consumer friendliness.

We prioritized key factors that we felt are the most important to borrowers, including APR ranges, repayment periods, eligibility requirements, fees and more. Our rankings also took into account other features that impact the overall user experience, like customer service and business ratings, as well as the availability of mobile apps, prequalification and payment options.

Our recommendations were made with your best interests in mind. We strive to provide you, the consumer, with up-to-date information and expert tips to help you make well-informed financial decisions.


The content on this page is accurate as of the posting/last updated date; however, some of the rates mentioned may have changed. We recommend visiting the lender's website for the most up-to-date information available.

Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, lender or other entity. Learn more about our editorial policies and expert editorial team.