Personal Loans for Bad Credit in WV

Most loan providers might ask for a score of about 600 or more, but some can accept loan applications from people with 300 credit scores. Here are the best personal loan providers offering options for bad credit in West Virginia.
Personal Loans for Bad Credit in WV
Personal Loans for Bad Credit in WV
Bad credit scores can result in multiple loan application rejections. Therefore, Beem has compiled a comprehensive list of providers offering personal loans for bad credit in WV to help you make an informed decision.
In this article

Loan approvals require a good credit score, and thorough financial inquiry is a myth. You can get approvals even with bad credit and soft loan inquiries. Their inquiry does not cause further damage to your credit history and is to ensure your identity. Most loan providers might ask for a score of about 600 or more, but some can accept loan applications from people with 300 credit scores. Bad credit scores can result in multiple loan application rejections. Therefore, Beem has compiled a comprehensive list of providers offering personal loans for bad credit in WV to help you make an informed decision. 

Top 10 Personal Loans for Bad Credit in WV

Personal loans usually have higher interest rates than others and are a form of unsecured loans as they do not have any collateral involved. Some loan providers approve loans based on credit score and at a low APR. 

Some might even accept without origination fees or high interest rates. But only some will accept a low credit score borrower’s application. Here are the top ten personal loan providers in West Virginia who provide loans even with a bad credit history. 


Beem is the best personal loan provider and offers quick loans at the convenience of your fingertips. You can get personal loans for debt consolidation, purchases, or home improvement up to $100,000. The loan will not affect your credit score, and you can take advantage of personalized interest rates depending on your financial history. 

Beem also provides an opportunity to compare the best deal for your loan and select a unique offer that suits your needs. This loan is best for emergency needs and debt consolidation. 


SoFi allows you to borrow up to $100,000 with a repayment plan of 60 months. It is suitable for personal loans for people with good credit scores. With a credit score of 680, they will grant a loan with a soft inquiry. Also, your debt-to-income ratio must be below 43% and have a minimum income of $50,000. The company has expertise in granting loans to students and joint applications. 

The company does not grant loans to people with new or no credit history. Also, there is an auto payment discount of 0.25% and no prepayment or late fee penalties. People with bad credit history or co-signer should not consider this option for personal loans. 


Upgrade is considered one of the best loan providers for bad credit borrowers. It has a low credit score requirement and accepts loan applications with a FICO score as low as 560. It also has no income limits and prequalifies loans based on a soft inquiry.

However, there is a high origination fee of 8% and high-interest rates. People with very low credit scores can boost their chances of loan approval by joint loan application. It can provide direct payment to creditors and has no prepayment penalty. 

Borrowers seeking fast loan approvals and having poor credit scores can consider this in emergencies only. The high origination fees, high-interest rates, and restrictions on funds usage make it less popular among borrowers. 

Marcus by Goldman Sachs

Marcus by Goldman Sachs is one of the most trusted names for home improvement personal loans. It is famous for its customer-friendly baking services and personal loans with a repayment plan of 36 to 84 months. The maximum limit for a loan amount is fixed at $40k; there is no restriction on how you use the money. 

Marcus is excellent for immediately receiving funds as you receive money the same day after approvals. However, there is no option for joint or co-signed loans. People with no credit history or new to this cannot get loan approval. One can consider this for personal loans for small funds and emergencies. But if you need a more considerable sum of money, you can look for other loan providers. 


Avant is excellent for people who seek personal loans with a bad credit score. The company provides loans to people with 580 or more credit scores. The loans by Avant are costly, with APR between 9.95 and 35.99%. One can receive the loan amount within three days of loan approval. 

One also has to pay 25$ as a late penalty for delay in repayment. The loan amount at Avant ranges from 2K to 35K, and the repayment period is 24 to 60 months. There are 4.2 stars on average for Avant. The company scores well because its reputation is positive, and they are clear about what customers can expect.

Lending Club

Lending Club is among the most trusted names in the unsecured personal loans sector. It is considered the best personal loan provider for debt consolidation in West Virginia. You can also apply for joint loans, increasing your chances of approval, and credit scores are checked softly.

 The cons of using a lending club are a 3-6% origination fee. Also, as the company provides unsecured loans, the interest rates are incredibly high. There is also no loan approval for people with new or no credit history. 

With no discounts on automatic payments, Lending Club is excellent for debt consolidations if you have an average credit score. Others should consider any other loan provider to avoid high-interest rates. 


USAA is a personal loan provider for people with less-than-perfect scores. It also has a low BBB rating and a minimum APR of 7.24%, which is still relatively high compared to other loan providers. One can consider this provider if they have a great credit score and need quick funding. One can get funds within 24 hours of loan approval. 

USAA’s interest rate starts slightly higher than many of the company’s competitors. USAA does not publicly disclose its personal loan credit score requirements. However, only those with excellent credit can qualify for the lowest rates. Only members of USAA can apply for loans, and only active or former military members can take loans or apply for financial products at this loan provider. 


In most states, people with a credit score as low as 300 can also apply for loans at Upstart and get approvals. There are instant loan approvals, and funds are received within a day of approval. Borrowers with good or bad credit scores trust the company for its various categories and high customer satisfaction. 

The high credit scorers can also benefit from minimum APRs and take loans up to $50K. However, people must have an income of $12,000 and have origination fees of 0-12%, depending on their credit history. 

Another condition for loan approval is that one must reside in the United States and can only apply for loans. Upstart is an excellent option for personal loans with a bad credit history and has a decent status among other lenders.  

OneMain Financial

OneMain Financial is one of WV’s best providers of personal loans with bad credit. However, the loan could be better for people with excellent credit as their APR is relatively high. There are orientation fees and late payment penalties. Most loan approvals are for people with decent credit scores, around 600-650. 

OneMain Financial has decent ratings and customer satisfaction with a high BBB rating and user score. It is an excellent option for people with a bad credit history to get loan quotes instantly. They can receive funds within 1 or 2 days. 


Personal loans serve as a flexible financial solution for many needs. Their flexibility makes them a preferred choice for borrowers who don’t want limitations in using the funds for a specific purpose. The article explains that most loan providers charge high-interest rates and origination fees for personal loans. One of the best options for quick personal loans for bad credit in WV is Beem. 

With Beem’s personalized offers and manageable interest rates, you can get quick approvals for your loan application. One can select a loan provider that offers a loan per their fund usage and is sufficient for the task. 

Personal Loans for Bad Credit in WV FAQs

What kind of debts can I not use my bad credit loan for in West Virginia?

Bad credit loans apply to all sorts of loans and debts. It requires a minimum credit score of 580 for loan approval. 

How long does it take to get a bad credit loan in West Virginia?

Once you have applied for a loan, approval might take up to a week. Some loan providers might approve loans in 2 days, and you can receive funds within 24 hours. It depends on the loan provider. 

What’s the difference between fixed-rate and variable-rate loans?

With fixed-rate financing, your interest rate doesn’t change over the life of your loan. A variable rate loan changes the interest rate depending on the prime rate or another rate. 

Student loans with fixed interest rates are generally more affordable than those with variable interest rates. Variable rates fluctuate monthly or quarterly based on economic conditions, while fixed rates remain the same.

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Picture of Raman Gujral

Raman Gujral

An achievement-oriented professional, Raman has 10+ years of experience in B2B SaaS and B2C products across Fintech, Telecom, Digital Media, Social Media and Logistics domains. Defining and communicating product vision and strategy, product roadmap development, product positioning, and data analysis, he is also an expert in health insurance and personal loans content.


This page is purely informational. Beem does not provide financial, legal or accounting advice. This article has been prepared for informational purposes only. It is not intended to provide financial, legal or accounting advice and should not be relied on for the same. Please consult your own financial, legal and accounting advisors before engaging in any transactions.

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