West Virginia Code
Article 3. Finance Charges and Related Provisions
§46A-3-117. Alternative Finance Charges Authorized

Notwithstanding any other provisions of this chapter, a person making any sale or loan subject to the provisions of this chapter, may charge a sales finance charge, loan finance charge or rate of interest for such sale or loan not exceeding the charge or interest permitted by the provisions of section thirty-a, article four, chapter thirty-one-a or section five-b, article six, chapter forty-seven of this code for the loan of money, or permitted by the provisions of section five-c, article six, chapter forty-seven of this code for the forbearance of money, or the appropriate rate authorized by this chapter for such sale or loan, whichever is greater.

Structure West Virginia Code

West Virginia Code

Chapter 46A. West Virginia Consumer Credit and Protection Act

Article 3. Finance Charges and Related Provisions

§46A-3-101. Finance Charges Generally

§46A-3-102. Sales Finance Charge for Certain Consumer Credit Sales of Real Estate

§46A-3-103. Sales Finance Charge for Revolving Charge Accounts Other Than Certain Sales of Real Estate

§46A-3-104. Finance Charge for Loans Other Than Loans Made Pursuant to Revolving Loan Accounts; Finance Charge on Assigned Contracts; Exceptions

§46A-3-105. Maximum Rate on Loans and Credit Sales Guaranteed or Insured by United States or Agency Thereof

§46A-3-106. Loan Finance Charge for Revolving Loan Accounts

§46A-3-107. Sales Finance Charges and Loan Finance Charges on Refinancing

§46A-3-108. Sales Finance Charges and Loan Finance Charges on Consolidation

§46A-3-109. Additional Charges; Credit Life or Health Insurance; Notice of Cancellation; When Refund Required; Obligations of Creditor and Insurer; Civil Penalty; Rules Relating to Insurance

§46A-3-109a. Collateral Protection Insurance

§46A-3-110. Right to Prepay

§46A-3-111. Application of Payments on Account; Rebate Upon Prepayment, Refinancing or Consolidation; Judgments and Interest on Judgments

§46A-3-112. Delinquency Charges on Precomputed Consumer Credit Sales or Consumer Loans

§46A-3-113. Delinquency Charges on Nonprecomputed Consumer Credit Sales or Consumer Loans Repayable in Installments

§46A-3-114. Deferral and Modification Charges

§46A-3-115. Advances to Perform Covenants of Consumer

§46A-3-116. Change in Terms of Revolving Charge Accounts or Revolving Loan Accounts

§46A-3-117. Alternative Finance Charges Authorized