The Best Title Loan Companies in West Virginia

The Best Title Loan Companies in West Virginia
Author : Chris Morgan
Updated on : February 6th, 2023

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West Virginia is well known for being one of the only states that is completely within the Appalachian Mountains with the highest elevation of any state east of the Mississippi River. For this reason, West Virginia is known as the Mountain State. Also, its long history associated with the coal industry has garnered it the other nickname the Panhandle State. West Virginia is unique in that it is well known for its beautiful landscapes of mountains, forests, and white water rivers. In fact, the natural warm springs of Berkeley Springs attract visitors from around the world!

While West Virginia boasts beautiful natural landscapes, according to Rich States Poor States, it is, unfortunately, ranked 46th for its economic performance in the United States. This is largely due to the declining coal industry making West Virginia one of the more disenfranchised states in America. 

According to the West Virginia Center on Budget & Policy, even with the low cost of living in West Virginia, many families are struggling to survive with earnings from their full-time jobs. Struggles are especially prevalent in the Coalfields region of West Virginia which typically have the highest poverty rates in the United States due to a lack of economic opportunities beyond the coal industry.

Finding effective ways to manage short-term emergency expenses can be difficult. With the help of title loans, residents of West Virginia have an opportunity to bridge financial gaps as long as these short-term financial options are used responsibly.

Are Title Loans Available in West Virginia?

According to the Consumer Federation of America, West Virginia is considered a restricted title loan state. This means that while title loans are available, there are some mandated stipulations which have been enacted to prevent predatory lending practices. Some of the mandated requirements for companies that wish to offer title loans in West Virginia include:

  • Obtaining a license to offer consumer loans
  • A maximum 27% finance charge on secured loans between $3,500-$15,000
  • A maximum 18% finance charge on secured loans greater than $15,000
  • Loan terms commence on the date the loan was made
  • Consumer lenders cannot create multiple loans to obtain higher loan finance charges

Due to the enactment of these stipulations, the number of brick-and-mortar title loan providers is much lower in West Virginia in comparison to other states. However, those entities which do provide title loan services in West Virginia are held to standards that ensure consumers are met with reputable lending practices.

Best Online Title Loans In West Virginia

To assist you in finding a reputable title loan in West Virginia, we have compiled a list of the best online title loan companies. These online title companies provide the convenience of obtaining a title loan from just about anywhere!

Max Cash Title Loans

Max Cash Title Loans Logo

Max Cash Title Loans is our preferred provider for online title loans. Since 2008, this company has provided online loan services throughout the United States to over one million customers and counting. As an online loan broker, Max Cash offers a platform where you obtain access to numerous lenders to help you get the title loan you need. You simply submit your application to the platform, and then you’ll be connected with numerous lenders who are willing to help you get a title loan in your local area at the best rates.

Max Cash Title Loans is our recommended choice because of:

  • Transparency of services and rates
  • A simple online application
  • A large network of loan lenders
  • Excellent customer service

Check out our Max Cash review for more information on their available loan products and services.


LoanMart Logo

Coming in second place for online title loan services is LoanMart. If you are looking for a direct loan lender, this company is a great choice. Since 2002, they have funded over 250,000 loans! Since you will be receiving the loan funds directly from this company, you can expedite the title loan process which could help you get your funds faster. One of the greatest benefits of LoanMart is that they offer a three-day piece of mind guarantee which lets you back out of a title loan for up to three days after receiving the title loan contract without incurring penalties or fees.

Some reasons why LoanMart is at the top on our list for title loans include:

  • Cutting out the middleman with a direct lender process
  • Quick receipt of loan funds
  • Competitive loan rates
  • A three-day piece of mind guarantee
  • Quality financial education resources

If you’re interested in learning more about what LoanMart has to offer, check out our LoanMart Review.

The Top 5 Local West Virginia Title Loan Companies

Online title loan companies such as MaxCash and LoanMart are quite convenient. However, you may be the type that wants to drive to a location and obtain your title loan in person. Thus, we offer the following listing of five local West Virginia title loan companies.

While these local title loan providers have been thoroughly vetted, consumers that are concerned about the legitimacy of these local title companies in West Virginia are encouraged to visit one of our preferred online title loan providers such as MaxCash or LoanMart.

Below are the five local title loan companies in West Virginia where you can obtain a title loan quickly to solve your short-term financial emergencies.

Cashland Loans

Cashland Loans Logo

Cashland Loans offers quick title loan funds for those who qualify. Those interested in a title loan must be at least 18 years of age or older and have proof of West Virginia residency. Applicants must be able to show a state-issued driver’s license or identification card. Proof of repayment ability in the form of a payroll check stub or a payroll deposit is required. A lien-free vehicle title owned solely by the applicant is also required. 

A thorough inspection of the vehicle is likely to determine the title loan amount. Applicants can begin the title loan process online and complete the process in person. Cashland Loans is committed to offering approvals for title loans within 35 to 40 minutes as long as all necessary documentation is received. Loan funds are transferred directly to the bank account of your choosing.

Contact Information:

  • Address: 237 W Washington St, CharlesTown, WV 25414
  • Phone: (304) 885-0066

OneMain Financial

Advance Car Title Loans Logo

OneMain Financial is a trusted provider of financial service products including loans for over 100 years. They make obtaining a title loan easy by offering a simple online application, or you can call to speak to one of the loan specialists directly. For those seeking a title loan, your vehicle issues as collateral to secure the loan. You must be able to provide proof of a lien-free car title in your name, proof of employment for the repayment of the title loan, as well as proof of identity.

Once approved for the title loan, a qualified loan specialist will verify all of your information and provide title loan documents for you to sign so that you can receive your title loan funds to the bank account.

Contact Information:

  • Address: 1349 Edwin Miller Blvd, Martinsburg, WV 25404
  • Phone: (304) 263-0888

Lendmark Financial Services LLC

Lendmark Financial Services Logo

Lendmark Financial Services LLC prides itself on offering fast approvals and same-day funding for title loans in West Virginia. Those interested in obtaining a title loan can complete a preliminary application online or visit a local branch to speak to a loan specialist directly. When applying for title loan, you can expedite the title loan process by making sure you have readily available verifying information such as your lien-free title registered in your name, proof of a government-issued ID, and proof of employment.

Upon reviewing your documentation, a loan specialist will contact you with your approval which includes a title loan contract with the amount you’ll receive and the applicable loan terms and conditions. Once you sign the title loan contract, you will receive your funds cash in hand at the local branch.

Contact Information:

  • Address: 796 Foxcroft Ave Suite 105, Martinsburg, WV 25401
  • Phone: (304) 267-2058

Beckley Loan Company

Beckley Loan Company Logo

Beckley Loan Company is a family-owned financial services company with over 80 years of service in West Virginia. They provide a variety of loan products to include secured and unsecured loan products. They offer title loans from as low as $500 to a maximum of $9,999. To expedite the title loan process, applicants are encouraged to gather all necessary documentation which includes your lien-free title registered in your name, proof of employment, and proof of identity. Upon receiving this documentation, Beckley Loan Company is able to offer title loan approvals in as little as an hour.

Contact Information:

  • Address: 622 Neville St, Beckley, WV 25801
  • Phone: (304) 252-6301

Signature Title Loans

Signature Title Loans Logo

Signature Title Loans works in conjunction with City National Bank to offer a variety of short-term loan products to West Virginia residents. Applicants have the option of applying for a title loan online or in person. In order to expedite the title loan process, applicants are encouraged to provide proof of income for repayment of the title loan, proof of identity, proof of West Virginia residency, and a lien-free title that is solely in your name.

Once this information is available, Signature Title Loans is able to get you approved for a title loan within 30 to 45 minutes with your title loan funds transferred to your bank account.

Contact Information:

  • Address: 1034 S George St, Charles Town, WV 25414
  • Phone: (304) 725-9787

How Do Title Loans Work In West Virginia?

In order to obtain a title loan in West Virginia, applicants must be able to meet these minimum requirements:

  • West Virginia residency
  • Age 18 years of age or older
  • Have a government-issued photo ID
  • Proof of a steady source of income
  • A lien-free vehicle title registered in the applicant’s name

Please note that companies providing title loan services in West Virginia are governed by The West Virginia Code Article 4: Regulated Consumer Lenders, which states that lenders are not allowed to charge upwards of 30% annual interest on the principal loan amount.

Can a Title Loan Mess Up My Credit?

One of the benefits of title loans is that they do not require credit. Your vehicle is used as collateral to secure the loan. Once you are approved for a title loan, you relinquish your vehicle title to the company that has offered the title loan. You will continue to drive your vehicle while you pay off the title loan. 

As long as the title loan is paid in full, you receive your title loan back upon meeting the repayment terms. This means you don’t have to worry about a title Ioan messing up your credit because it is your vehicle which secures the collateral for the title loan not credit.

If you’re looking for a way to improve your own credit, consider checking out our post on How to Fix My Credit Score Myself.

Does Paying Off A Title Loan Help My Credit?

Again, because a title loan is secured with your vehicle title, paying off a title loan has no effect on your credit. Just like defaulting on a title loan will not impact your credit. Credit is not a factor in obtaining a title loan, which is why they are a convenient and readily available emergency cash option for those with less than stellar credit. So, while title loans are a great option for short-term cash needs, they aren’t necessarily beneficial for rebuilding credit.

If you’re looking to rebuild your credit, check out our post on The Best Credit Repair Companies in the United States to get started.

What Are the Pros And Cons Of Getting A Title Loan?

If you are seeking a title loan, it is important to make yourself aware of the pros and cons of title loan lending. Being informed about the title loan process will ensure that you are making the most financially sound decision for fast cash options.

Some of the pros of a title loan are:

  • Access to quick cash without any credit check
  • Quick loan funds available upon approval
  • You can still drive your vehicle while paying off the title loan

Some of the cons of a title loan are:

  • Higher interest rates in comparison to other loan products
  • You may have to install and use a GPS to track your vehicle until the title loan is paid off
  • In extreme cases, repossession of the vehicle (keep in mind, lenders would much rather restructure your loan than repossess your car, which is not an easy process for them)

To assist you with determining whether a title loan is a viable fast cash option for you, view our post on The Best Title Loan Companies in the United States.

How Do I Get Out Of A Title Loan?

If you are looking to get out of a title loan, you have three options:

  1. You can pay off the title loan in full per your title loan contract. Upon doing so, the title company will return your vehicle title to you.
  2. You could allow your car to be repossessed which will allow the title company to sell your car for repayment of the title Ioan funds and any associated fees. However, this is a worst case scenario, and it is not recommended.
  3. If you have been having issues repaying your title loan, consider title loan refinancing which offers you the option to avoid vehicle repossession by re-negotiating the repayment terms of an existing title loan.

Conclusion and Next Steps

Now that you are more informed about title loans and what they have to offer, you are in an ideal position to choose either an online or local title loan provider in West Virginia with confidence.

Let us help you get started with your title loan search. Head on over to Max Cash to start the title loan process. With a platform with numerous lenders, submitting one simple loan application puts you on the path to getting the title loan funds you desire with no hassles.

If you need cash fast, get in touch with

Max Cash.

Max Cash Title Loans Logo

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About the Author

Chris Morgan

Chris Morgan is a credit expert and founder of Credit Help Info. He has been featured in Addition Financial, GOBankingRates, MSN Money, Yahoo Finance, and many other publications. He has read hundreds of books and resources on finance and the credit industry. Because he did this, you don’t have to. As a school teacher for over 20 years, Chris enjoys taking complicated material and breaking it down into manageable information that’s easy to understand.

Learn more about Chris Morgan

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