Virginia Bad Credit Loans | VA

Virginia bad credit loans that you cold be approved for in less than 5 minutes. VA is an incredible state to call home, but if you need a loan and have bad credit it can be tough. You get the money you need in your account by next business day. Our lenders are ready to process your loan for the poor credit loan to help you cover your short term funding needs. From $200 - $1000 get the cash you need fast. 

VA Bad Credit Loan - Up to $1000

Virginia Personal Loan with Bad Credit

The money may be in your account usually by 1:00 am next business day. Complete the application and you may receive an instant offer from one of our lenders. Good credit, bad credit, or no credit we can still work to find you money by next business day. In most cases you are not to fax documents to get a loan. You can use an e signature or e-sign to complete the loan documents. Sometimes faxing may be but this is the exception and not the norm. Know fast if you have been approved for a Virginia bad credit loan.

Personal Loans Also Available for Good Credit Borrowers

Poor Credit Loan in Virginia

How Does A Virginia Personal Loan Work?

If you are approved by one of our direct lender you will receive a personal loan offer. These bad credit loans in VA have equal monthly payments and usually 2-9 months to repay the loan with interest. If you approve of the personal loan offer then you can accept and the money will be in your account based on the terms of the lender. Read all documents carefully and be sure the loan is right for you. What if I currently have no income?

If you would prefer to use a bank in Virginia try:

Union First Market Bank
1051 E Cary St #103
Richmond, VA 
(804) 327-5720

Wells Fargo
1700 Euclid Ave
Bristol, VA 
(276) 645-7740

Navy Federal Credit Union
2545 W Landing Rd
Virginia Beach, VA 23456
(888) 842-6328

Port of Hampton Roads Ila Federal Credit Union
1355 International Terminal Blvd Ste 102
Norfolk, VA 23505
(757) 423-1105

NAE Federal Credit Union
755 Battlefield Blvd N
Chesapeake, VA 23320
(757) 410-2000

How do I get approved for a poor credit loan in Virginia?

Start by completing the short application on our website. If we can successfully match you with a direct lender then you will receive an installment loan offer. This offer will detail the interest rate, APR, fees, loan amount, due dates and all other terms and conditions that you need to know. If you like the loan offer then you can agree to it, if not then decline the offer. 


Key Terms Related to Virginia Consumer Lending

  • A consumer finance company may impose a late charge of up to 5% for borrower's failure to make a timely payment of any installment due. The amount of the late charge must be specified in the loan contract. A "timely payment" means a payment made by the date fixed for payment or within a period of seven calendar days after the fixed date. (Va. Code Ann. § 6.2-1520(B).)
  • A consumer finance company may impose a processing fee. The fee is deemed to constitute interest charged and cannot exceed 35% of the annual interest rate for a loan amount of up to $2,500. (Va. Code Ann. § 6.2-1520(C).)
  • A payday lender may charge a loan fee of up to 20% of the amount of the loan proceeds advanced to the borrower and a verification fee not to exceed $5 (Va. Code Ann. § 6.2- 1817(B), (C)).
  • A borrower is not liable for fees incurred in connection with the storage of a motor vehicle securing a title loan following the vehicle's repossession by the licensee or its agent, or the voluntary surrender of possession of the vehicle by the borrower to the licensee. A motor vehicle title lender may not charge, contract for, collect, receive, recover, or require a borrower to pay any other fee, charge, or amount except for: z a licensee's actual cost of perfecting its security interest in a motor vehicle securing the borrower's obligations under a loan agreement; and z reasonable costs of repossession and sale of the motor vehicle. (Va. Code Ann. § 6.2-2216(D).)
  • A motor vehicle title lender may charge a late fee of up to 5% in any amount due under the loan agreement (Va. Code Ann. § 6.2- 2216(G)).
  • More Virginia Rules and Regulations

Virginia Consumer Protection Contacts

Office of the Attorney General of Virginia
Consumer Protection Section
202 North Ninth street
Richmond, Virginia 23219
Fax: 804-225-4378

Office of the Attorney General of Virginia
Consumer Protection Section
202 North Ninth street
Richmond, Virginia 23219
Fax: 804-225-4378

For further assistance the Consumer Protection Hotline at 1-800-552-9963 if calling from Virginia, or (804) 786-2042 if calling from the Richmond area or from outside Virginia.  Business hours are 8:30 a.m. to 5:00 p.m., Monday through Friday.

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