Loans in Mercer County, PA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Mercer County, PA.
The median household in Mercer County earns $59,976 a year, 23% below the Pennsylvania median of $77,971. About 13% of residents live below the federal poverty line, and 27.6% of households rent their home. 12.0% of households have no home internet; our form works on any phone.
What you need for a personal loan in Mercer County
Here's what to have on hand before you start your personal loan request in Mercer County:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- 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
Rent duecover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Need money nowthe fastest options online
Loans for your situation
Which loans are available in Mercer County
Payday Loans Not available
Payday loans are effectively prohibited in Pennsylvania by usury law.
Personal Loans
Licensed consumer discount companies: $9.50 per $100 yearly add-on plus fees; unlicensed: 6%.
Title Loans Not available
Title loans are not licensed in Pennsylvania and are subject to the same usury limits.
Banks and credit unions in Mercer County
Banks with branches in Mercer County
30 FDIC-insured bank branches from 9 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First National Bank of Pennsylvania | 9 | 166 Main St, Greenville 16125 |
| Mercer County State Bank | 7 | 3279 South Main Street, Sandy Lake 16145 |
| PNC Bank, National Association | 4 | 100 Hadley Rd, Greenville 16125 |
| The Huntington National Bank | 3 | 1685 E State St, Hermitage 16148 |
| Greenville Savings Bank | 2 | 233 Main St, Greenville 16125 |
| Citizens Bank, National Association | 2 | 165 S Broad St, Grove City 16127 |
| Northwest Bank | 1 | 200 S Center St, Grove City 16127 |
| The Farmers National Bank of Canfield | 1 | 1319 W Main St, Grove City 16127 |
| NEXTIER BANK, NATIONAL ASSOCIATION | 1 | 109 S Broad St, Grove City 16127 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Mercer County
8 credit-union locations from 5 credit unions.
| Credit union | Location |
|---|---|
| Pennstar | 4139 E State St, Hermitage 16148 |
| Top Tier | 2790 E State St, Hermitage 16148 |
| Mercer County Community | 428 N Sharpsville Ave, Sharon 16146 |
| Grove City Area | 1 Credit Union Way, Grove City 16127 |
| Bessemer System | 106 Woodfield Dr, Greenville 16125 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Mercer County
All Pennsylvania counties and cities
Frequently asked questions
Are payday loans legal in Mercer County?
Mercer County follows Pennsylvania law. Payday loans are effectively prohibited in Pennsylvania by usury law.
Are title loans legal in Mercer County?
Title loans are not licensed in Pennsylvania and are subject to the same usury limits.
Where can I get a small loan in Mercer County?
Options include 30 bank and 8 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 Pennsylvania; if one approves you, you review the terms and the money is deposited to your bank account, often 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.
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.
Where can I get a loan in Mercer County, PA?
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 Pennsylvania residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.