Car Title Loans in West Virginia2026 Guide
West Virginia prohibits title lending.
Legal Status & Regulations
Governing Law
W. Va. Code § 46A-1-101
Last Reviewed: April 2026
Law Summary
West Virginia prohibits title lending through the West Virginia Consumer Credit and Protection Act (W. Va. Code § 46A). The state enforces strict usury laws that cap interest rates on consumer loans at levels far below those charged by traditional title lenders. This effectively bans the industry from the state, protecting West Virginia residents from predatory vehicle-secured debt.
Real Rate Example in West Virginia
A $1,500 loan in West Virginia at a typical market rate of APR over 30 days would result in approximately $150 in interest and fees. Always compare multiple offers to find the most competitive rate.
What Documents You Need
- A clear vehicle title in your name
- A valid government-issued ID (Driver's License)
- Proof of residency (Utility bill, etc.)
- Proof of income or ability to repay
- The vehicle itself for a quick inspection
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Max Loan Amount
N/A
Max APR / Rate
N/A
Loan Term Range
Varies
Governing Body
WV Division of Financial Institutions