Loans in Mercer County, OH: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Mercer County, OH.
The median household in Mercer County earns $76,782 a year, 8% above the Ohio median of $71,389. About 7% of residents live below the federal poverty line, and 20.4% of households rent their home.
What you need for a payday loan in Mercer County
Lenders that serve Mercer County typically ask for the following:
- 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
deposits, trucks and first-week expenses
Need money nowthe fastest options online
Holiday expensesgifts and travel without maxing a card
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Mercer County
Payday Loans Legal
Payday-style loans are legal in Ohio only as 'short-term loans' from lenders licensed under the Short-Term Loan Act (as rewritten by House Bill 123, effective 2019).
Personal Loans
Licensed lenders capped at 21%-28% a year depending on license; Consumer Installment Loan Act 25%.
Title Loans Limited
Short-term (payday) lenders may not take a car title as security, and credit services organizations may not arrange loans under $5,000, of one year or less, or above 28% APR.
Banks and credit unions in Mercer County
Banks with branches in Mercer County
20 FDIC-insured bank branches from 9 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Peoples Bank Co. | 6 | 112 W Main St, Coldwater 45828 |
| First Financial Bank | 3 | 166 S Main St, Rockford 45882 |
| The St. Henry Bank | 3 | 231 E Main St, St. Henry 45883 |
| Mercer Savings Bank | 3 | 1100 Irmscher Blvd, Celina 45822 |
| The Park National Bank | 1 | 117 N Wayne St, Fort Recovery 45846 |
| Osgood Bank | 1 | 79 W Franklin St, Chickasaw 45826 |
| JPMorgan Chase Bank, National Association | 1 | 205 W Market St, Celina 45822 |
| The Citizens National Bank of Bluffton | 1 | 601 Grand Lake Rd, Celina 45822 |
| Woodforest National Bank | 1 | 1950 Havemann Rd, Celina 45822 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Mercer County
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Superior Credit Union, Inc | 950 W Main St, Coldwater 45828 |
| Dynamic | 900 E Wayne St, Celina 45822 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Mercer County
Frequently asked questions
Are payday loans legal in Mercer County?
Mercer County follows Ohio law. Payday-style loans are legal in Ohio only as 'short-term loans' from lenders licensed under the Short-Term Loan Act (as rewritten by House Bill 123, effective 2019).
Are title loans legal in Mercer County?
Short-term (payday) lenders may not take a car title as security, and credit services organizations may not arrange loans under $5,000, of one year or less, or above 28% APR.
Where can I get a small loan in Mercer County?
Options include 20 bank and 2 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 Ohio; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
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 Ohio. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.
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 with bad credit?
Yes, many lenders in our network work with Mercer County residents who have fair, poor or limited credit. They look at your income and ability to repay, not just your score, and some use alternative credit data instead of a traditional hard pull. Approval isn't guaranteed, but checking is free and takes about 3 minutes. Loan amounts range from $100 to $5,000.
Where can I get a loan in Mercer County, OH?
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 Ohio residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.