West Virginia Late Fee Calculator
Work out interest on an overdue B2B invoice under West Virginia law. The legal default rate — what applies when the contract is silent — is 6%, and the statute is quoted verbatim below. All math runs locally in your browser.
Legal rate absent a written rate; once litigated, a court-set rate applies (judgments/decrees entered in 2026: 6.25%; floor 4% / cap 9%).
Late fee breakdown
- Interest owed
- —
- Daily rate
- —
- Total (invoice + interest)
- —
Still unpaid? Generate a formal demand letter — it computes the interest and cites West Virginia's statute (W. Va. Code §§ 47-6-5, 47-6-11) for you.
What West Virginia law actually says
Except in cases where it is otherwise specially provided by law, legal interest shall continue to be at the rate of $6 upon $100 for a year, and proportionately for a greater or less sum, or for a longer or shorter time, and no person upon any contract other than a contract in writing shall take for the loan or forbearance of money, or other thing, above the value of such rate [...] Parties may contract in writing for the payment of interest for the loan or forbearance of money at a rate not to exceed $8 upon $100 for a year, and proportionately for a greater or less sum, or for a longer or shorter time, including points expressed as a percentage of the loan divided by the number of years of the loan contract.
Quoted verbatim from the linked official source — not our paraphrase. How we source and re-check every row is documented in the data methodology.
Maximum late fee in West Virginia — written B2B contracts
No statutory cap
8% cap is removed for business-purpose debts: entity debtors have NO dollar threshold. (A natural-person/sole-prop debtor is exempt only at $20,000+.)
Basis: W. Va. Code § 47-6-11. Compare all 51 jurisdictions on the full state table and the cap-regime map.
B2B invoices only — not rent, not consumer debt
Everything on this page is about business-to-business invoices. Residential rent late fees live in West Virginia's landlord-tenant law and consumer credit has separate, stricter rules — two different bodies of law. The distinction is explained in B2B invoice late fees vs. residential rent.
Use this data
West Virginia's row — rate, cap, citation, verbatim quote, verification date — is part of our open 51-jurisdiction dataset: CSV · JSON (CC BY 4.0, cite myinvoicetemplate.com). Set late-fee terms on your next invoice with the free invoice generator, or state them clearly using the wording guidance in the payment terms guide.
West Virginia late fee FAQ
Can I charge late fees on overdue invoices in West Virginia?
Yes — on business-to-business invoices. If your contract or invoice states a late-fee rate, that rate governs (subject to the cap rules below). If nothing was agreed: 6%. Legal rate absent a written rate; once litigated, a court-set rate applies (judgments/decrees entered in 2026: 6.25%; floor 4% / cap 9%). Statute: W. Va. Code §§ 47-6-5, 47-6-11, verified 2026-08-21. Consumer and rent debts follow separate laws.
What is the maximum late fee I can charge in West Virginia?
For a written B2B contract: 8% written cap — but business-purpose debts are exempt (entities: any amount; individuals: $20,000+). Basis: W. Va. Code § 47-6-11. The full cap analysis is in the section above; this covers business-to-business deals only — consumer credit has stricter separate caps.
What interest applies if my contract doesn't mention late fees in West Virginia?
The statutory default rate of 6%. Legal rate absent a written rate; once litigated, a court-set rate applies (judgments/decrees entered in 2026: 6.25%; floor 4% / cap 9%). Statute: W. Va. Code §§ 47-6-5, 47-6-11 (verbatim quote on this page, verified 2026-08-21).
Does this cover rent, apartment, or consumer late fees in West Virginia?
No. This page covers business-to-business invoices only. Residential rent late fees are governed by West Virginia's landlord-tenant law, and consumer credit for personal, family, or household purposes has its own stricter caps and disclosure rules. Those are different statutes than the commercial-interest law cited here.
Where does this data come from, and when was it verified?
Every figure on this page comes from our 51-jurisdiction dataset: each row researched against the controlling statute or the state's official current-rate page, independently re-checked, and stamped with its own verification date — West Virginia's row was last verified 2026-08-21. The operative legal text is quoted verbatim on this page with a link to the official source, the methodology is public, every verification pass is logged in the changelog, and the full dataset is downloadable (CC BY 4.0).
Not legal advice. This page summarizes West Virginia's commercial-interest statute for general information, with the verification date shown above — it tells you when we last confirmed the figures, not that they are still current today. Statutes change and courts interpret them; verify the cited statute at the official source, or ask a licensed attorney in your state, before charging or demanding interest.