What exactly are Some Choices For Emergency Funds in Western Virginia? Below, are a handful of factors why some forms of short-term loans are difficult to get when you look at the Mountain State. Additionally, some monetary options are given to West Virginians who require emergency funds. If you're trying to find an online payday loan in western Virginia, you won’t see them. In western Virginia, payday advances are forbidden. The legislation states that tiny loan prices are capped at 31 % per 12 months on loans of $2,000 or less. 1