Loans in Mercer County, KY: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Mercer County, KY.
The median household in Mercer County earns $64,824 a year, about the same as the Kentucky median of $63,726. About 11% of residents live below the federal poverty line, and 24.1% of households rent their home. 11.9% of households have no home internet; our form works on any phone.
What you need for a payday loan in Mercer County
Here's what to have on hand before you start your payday loan request in Mercer County:
- Be 18 or older (19 in some states) and a US resident
- A government-issued photo ID
- A steady source of income — a job, benefits or self-employment
- An active checking account in your name for the deposit
- A working phone number and email address
Popular loan amounts in Mercer County
What Mercer County borrowers use it for
keep getting to work while the shop fixes it
Need money nowthe fastest options online
Rent duecover a short gap before payday
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Mercer County
Payday Loans Legal
Payday loans (called deferred deposit transactions) are legal in Kentucky from lenders licensed by the Department of Financial Institutions under KRS Chapter 286, Subtitle 9.
Personal Loans
Tiered monthly caps: 3% to $5,000, 2.42% to $10,000, 2.25% to $15,000.
Title Loans Limited
Kentucky has no separate title-pledge law.
Banks and credit unions in Mercer County
Banks with branches in Mercer County
8 FDIC-insured bank branches from 4 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Farmers National Bank of Danville | 3 | 125 E Main Street, Harrodsburg 40330 |
| Whitaker Bank | 3 | 211 S Main St, Harrodsburg 40330 |
| First Financial Bank | 1 | 104 S Chiles St, Harrodsburg 40330 |
| Community Trust Bank, Inc. | 1 | 570 Chestnut St, Harrodsburg 40330 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Mercer County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Commonwealth | 511 Joseph Dr, Harrodsburg 40330 |
Source: NCUA credit union branch data, June 30, 2026.
All Kentucky counties and cities
Frequently asked questions
Are payday loans legal in Mercer County?
Mercer County follows Kentucky law. Payday loans (called deferred deposit transactions) are legal in Kentucky from lenders licensed by the Department of Financial Institutions under KRS Chapter 286, Subtitle 9.
Are title loans legal in Mercer County?
Kentucky has no separate title-pledge law.
Where can I get a small loan in Mercer County?
Options include 8 bank and 1 credit-union locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Mercer County?
Fill out our short online form from anywhere in Mercer County. We share it with lenders in our network that serve Kentucky; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Where can I get a loan in Mercer County, KY?
You can apply at banks, credit unions and lenders in Mercer County, or apply online from anywhere in the county. Online requests are often the quickest way to reach several lenders at once. Our free form sends a single request to lenders in our network that serve Kentucky residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.
Can I get an emergency loan in Mercer County?
Yes. When an unexpected bill comes up, Mercer County residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.
Can I get a loan in Mercer County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. Mercer County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Mercer County?
Yes. You don't need to visit a branch or storefront anywhere in Mercer County. Our secure online form works on your phone or computer, takes about 3 minutes, and connects you with lenders in our network that serve Kentucky. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.