W. Va. Code » §47-6-6. Usury and usurious contracts; penalties and forfeitures.
West Virginia Code

W. Va. Code § 47-6-6 (2026)

Usury and usurious contracts; penalties and forfeitures

✓ text as last checked Sept. 2026 (this copy records no edition or section history)
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ARTICLE 6. MONEY AND INTEREST.

§47-6-6. Usury and usurious contracts; penalties and forfeitures.

All contracts and assurances made directly or indirectly for the loan or forbearance of money or other thing at a greater rate of interest than is permitted by law shall be void as to all interest provided for in any such contract or assurance, and the borrower or debtor may, in addition, recover from the original lender or creditor or other holder not in due course an amount equal to four times all interest agreed to be paid and in any event a minimum of $100. Every usurious contract and assurance shall be presumed to have been wilfully made by the lender or creditor, but a bona fide error, innocently made, which causes such contract or assurance to be usurious shall not constitute a violation of this section if the lender or creditor shall rectify the error within fifteen days after receiving notice thereof.

Notes of Decisions
Cited in 5 cases, 1978–2014 · leading case: Snodgrass v. Sisson's Mobile Home Sales, Inc., 244 S.E.2d 321 (W. Va. 1978).
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Snodgrass v. Sisson's Mobile Home Sales, Inc., 244 S.E.2d 321 (W. Va. 1978). · cites it 6× “Suit was barred since it was filed more than one year after the date of agreement.”
Stonebraker v. Zinn, 286 S.E.2d 911 (W. Va. 1982). · cites it 2× “6 They argue that W. Va. Code, 47-6-6, mandates a voiding of the interest and the imposition of the statutory quadruple penalty on the vendors.”
Gen. Elec. Co. v. Keyser, 275 S.E.2d 289 (W. Va. 1981). “1 § 47-6-6 Usury and usurious contracts; penalties and forfeitures.”
Snodgrass v. Sisson's Mobile Home Sales, 244 S.E.2d 321 (W. Va. 1978). · cites it 6× “We agree as to the applicable statute of limitations, but hold that the statute does not begin to run on the date the usurious contract is signed.”
CashCall Inc. v. Patrick Morrisey, Attorney Gen., No. 12-1274, 2014 WL 2404300 (W. Va. May 30, 2014). · cites it 7× “96 civil penalty21 pursuant to West Virginia Code § 47-6-6, because only a borrower or debtor may bring a claim under West Virginia Code § 47-6-6.”
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