Loans in Mercer County, WV: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Mercer County, WV.
The median household in Mercer County earns $53,210 a year, 11% below the West Virginia median of $59,608. About 16% of residents live below the federal poverty line, and 27.1% of households rent their home. 10.4% 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
the fastest options online
Medical billspay a doctor, dentist or pharmacy bill now
Holiday expensesgifts and travel without maxing a card
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Mercer County
Payday Loans Not available
Payday loans are not allowed in West Virginia.
Personal Loans
31% up to $3,500; 27% to $15,000; 18% above.
Title Loans Not available
There is no title-loan law in West Virginia.
Banks and credit unions in Mercer County
Banks with branches in Mercer County
17 FDIC-insured bank branches from 7 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First Community Bank | 6 | 211 Federal St, Bluefield 24701 |
| Burke & Herbert Bank & Trust Company | 4 | 2020 College Ave, Bluefield 24701 |
| MCNB Bank and Trust Co. | 2 | 3152 E Cumberland Rd, Bluefield 24701 |
| New Peoples Bank, Inc. | 2 | 1221 Stafford Dr, Princeton 24740 |
| Truist Bank | 1 | 1309 Stafford Dr, Princeton 24740 |
| City National Bank of West Virginia | 1 | 191 Greasy Ridge Rd, Princeton 24739 |
| First Sentinel Bank | 1 | 329 Ingleside Rd, Princeton 24740 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Mercer County
4 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| National Employees | 314O E Cumberland Rd, Bluefield 24701 |
| Mercer County W Va Teachers | 258 Blue Prince Rd Ste 102, Bluefield 24701 |
| Mcdowell County | 1027 Frederick St, Bluefield 24701 |
Source: NCUA credit union branch data, June 30, 2026.
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Frequently asked questions
Are payday loans legal in Mercer County?
Mercer County follows West Virginia law. Payday loans are not allowed in West Virginia.
Are title loans legal in Mercer County?
There is no title-loan law in West Virginia.
Where can I get a small loan in Mercer County?
Options include 17 bank and 4 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 West Virginia; 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 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 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 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.
Where can I get a loan in Mercer County, WV?
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 West Virginia residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.