Best Auto Loans in West Virginia

New and used auto purchase loans plus auto refinancing options from national and regional lenders. In West Virginia, personal loans are capped at 31% APR for licensed consumer lenders, overseen by the West Virginia Division of Financial Institutions.

West Virginia Lending Overview

Personal Loan APR cap

31%

Median Home Price

$155,000

Median Household Income

$54,000

Avg Student Debt

$32,343

State Regulator

West Virginia Division of Financial Institutions

Notable law: West Virginia has never authorized payday lending and maintains a 31% APR cap on consumer loans, making it one of the few states that banned the practice before it became widespread.

8 Auto Loans Lenders serving West Virginia

Best Egg

Auto Loans

4.1

APR Range: 7.99% – 29.99%
Loan Amount: $2,000 – $50,000
Min Credit Score: 660

Available to residents of West Virginia

Apply at Best Egg

Better Mortgage

Auto Loans

4.0

APR Range: 6.30% – 7.50%
Loan Amount: $50,000 – $2,000,000
Min Credit Score: 620

Available to residents of West Virginia

Apply at Better Mortgage

Bluevine

Auto Loans

3.9

APR Range: 4.80% – 95.00%
Loan Amount: $1,000 – $500,000
Min Credit Score: 620

Available to residents of West Virginia

Apply at Bluevine

Capital One Auto

Auto Loans

4.1

APR Range: 5.09% – 19.99%
Loan Amount: $4,000 – $250,000
Min Credit Score: 600

Available to residents of West Virginia

Apply at Capital One Auto

Earnest

Auto Loans

4.2

APR Range: 3.95% – 9.99%
Loan Amount: $5,000 – $500,000
Min Credit Score: 670

Available to residents of West Virginia

Apply at Earnest

LightStream

Auto Loans

4.3

APR Range: 6.49% – 24.89%
Loan Amount: $5,000 – $100,000
Min Credit Score: 700

Available to residents of West Virginia

Apply at LightStream

LightStream Auto

Auto Loans

4.2

APR Range: 6.49% – 20.49%
Loan Amount: $5,000 – $100,000
Min Credit Score: 700

Available to residents of West Virginia

Apply at LightStream Auto

OnDeck

Auto Loans

3.5

APR Range: 10.99% – 99.00%
Loan Amount: $5,000 – $400,000
Min Credit Score: 625

Available to residents of West Virginia

Apply at OnDeck

West Virginia Lending Laws

West Virginia has never authorized payday lending and maintains a 31% APR cap on consumer loans, making it one of the few states that banned the practice before it became widespread.

The primary regulator for consumer lending in West Virginia is the West Virginia Division of Financial Institutions. Borrowers with complaints about a lender can file reports directly with that agency or with the federal Consumer Financial Protection Bureau (CFPB).

Frequently Asked Questions

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