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This page was last updated November 2018

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Fair Credit Lenders in Charleston WV

Lenders: contact us for listing removal.

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Pioneer West Virginia FCU
1316 Kanawha Blvd E Charleston
WV 25301 / www.pioneerwv.org
304.348.6648

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Charleston Federal Credit Union
300 Virginia St E #4203, Charleston
WV 25301 / 304.347.3393

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Members Choice WV Federal Credit Union
201 Ohio Avenue, Charleston
WV 25302 / www.memberschoicewv.com
304.346.5242

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Star USA Federal Credit Union
1 Cantley Drive, Charleston
WV 25314 / www.starusafcu.com
304.357.2319

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South Charleston Employees FCU
515 3rd Avenue #200, S Charleston
WV 25303 / 304.720.5600

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Element Federal Credit Union
350 Capitol Street, Charleston
WV 25301 / www.elementfcu.org
304.721.4145

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Cha/Tel Federal Credit Union
1500 MacCorkle Avenue SE, Charleston
WV 25396 / www.chatelfcu.com
304.344.3330

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Union Trades Federal Credit Union
600 Leon Sullivan Way, Suite 101
Charleston, WV 25301 / 304.344.0194
www.uniontradesfcu.com

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State Credit Union
2200 Washington St E, Charleston
WV 25311 / www.wvpecu.org
304.558.0566

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West Virginia Air National Guard FCU
1512 Coonskin Dr Charleston
WV 25311 / www.wvngfcu.com
304.342.2422

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Bad Credit Loans in Charleston WV

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Charleston WV Lender Area Map

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Charleston WV Loan App Volume

Top 5 Charleston neighborhood loan app volume

  1. Cross Lanes
  2. Riverview/Blackhawk
  3. Forest Hills/Fort Hill
  4. Morris Street/Piedmont Road
  5. Davis Creek

Capitol Building in Charleston WV: Licensing/Credit

Charleston Bad Credit Loan Example

Linda is really upset with her credit card company and also with herself. She admits that she was a bit naive when she decided to go on a vacation and charge the entire thing to her credit card account.

She was also short on cash so she took a cash advance at the same time and now she is being charged interest on the entire amount.

This is a really special trip. She is taking a cruise for a month and visiting a number of different countries. Although the cruise is really quite expensive, she is going to live in the lap of luxury and she will see tourist locations that she might never visit otherwise.

This is a once in a life time trip that she will share with her mom, who has never been on a cruise in her life time.

She has enough money saved for the trip, however it is invested in the markets and she really does not want to sell her investments just at the moment.

This really means that she needs a loan to cover the debt on her credit card which she is ok with. She is really upset about having to pay 20% interest on the overdue balance when she has another 20 days before the actual due date on her statement.

When she took a cash advance on her credit card while carrying a balance on her credit card account she did not realize that interest would be charged immediately on the total balance.

It was really bad timing because she had just charged this cruise to her card and owed a lot of money.

She needs a total of $15k to repay her credit card in full including the cash advance, the trip and the interest charged to date.

She has applied for a term of five years to keep the monthly payment reasonable until she sells her investments.

Once she sells the investments she will pay the loan off in full.
A $15k loan with a five-year term and 6% interest rate for Linda would cost her the following per month:

Loan Amount (principal) = $15000
Interest Rate = 6%
Term Length = 5 year
Monthly Payment = $289.99
Total Paid Back = $17399.52
Total Interest = $2399.52

Linda has really learned a tough lesson. Interest is charged immediately on any balances as well as the cash advances.

This can become very expensive quickly as she learned. Fortunately, she has a good credit rating and her loan will likely be approved once she provides a little more information to support her income claims.

Not many people can go on a cruise for a month and keep a job at the same time.

Although this is a once in a life time trip for her and her mom, she has to be able to show how she will support the monthly loan payment and be gone for over one month.

More information to come on this particular application. She may also be asked to show that her investments are available to be cashed and used to repay this loan.

If you're living in Charleston like Misty, and need a loan regardless of your credit rating, we may be able to help you find a willing lender.

Sincerely,

Chris Somerset

Chris Somerset is a writer for the WFL Project.

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Upgrades Nearest Charleston WV

Job/Income Upgrades: Indeed / Snag-A-Job

Education Upgrades: College / University

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Charleston Credit Counseling

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Counselors contact us for listing removal or info change.

Charleston Credit Counseling
Charleston, WV 25301
304.348.0135

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Debt Hero of Charleston
411 Virginia Street East, Charleston
WV 25301 / 304.513.1228

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Charleston Assistance Programs

Food Bank: Common Grounds / Address: 6600 MacCorkle Avenue Southeast, Charleston, WV 25304 / Phone: 304.720.9690

Hot/Cold Meals: Manna Meal / Address: 1105 Quarrier Street, Charleston, WV 25301 / Phone: 304.345.7121

Shelter In Case of Eviction: Sojourner's Homeless Shelter / Address: 1418 Washington Street East, Charleston, WV 25301 / Phone: 304.340.3562

Social Assistance Programs: Department of Health and Human Resources / Address: 4190 Washington Street West, Charleston, WV 25313 / Phone: 304.746.2360

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Usury Law Governing Charleston WV

Summary of West Virginia Usury Law(s) / Legal: 6% / Contract: West Virginia Lender, sellers and other creditors are authorized to charge, as an alternative to other rates under any provision, up to a maximum rate fixed by the Lending and Credit Rate Board (18% in June 2006). No law limiting interest rates may be applied to any debt incurred by a loan, installment sale or similar transaction primarily for a business purpose / Judgment: 10% / Corporate: No special rate (read more on West Virginia lending laws)

Complaint process for Charleston residents:

West Virginia Division of Financial Institutions / West Virginia Complaint Process / Compaint form PDF for download

West Virginia Division of Financial Institutions / 900 Pennsylvania Avenue, Suite 306, Charleston, WV 25302 / Phone: 304.558.2294 Fax: 304.558.0442

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WFL Loan Products

Charleston residents who require a fresh start with a bad credit loan to rebuild credit learn more here. Or, perhaps your score is just fair - you can learn more here. If you're in debt way over your head, you can learn about our debt consolidation solutions here.

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