You don't need the 40x loupe to get good pictures with a 5 megapixel camera. Mount the camera to a tripod, place directly above the coin, use a timer to avoid shaking, focus as good as you can from about 8-10 inches, provide good lighting, and snap away. From there you should be able to crop and resize and get good pics of the mintmark to help decide. If your camera has any kind of macro setting you can try that as well from a closer range. Big thing is to use a timer and let the camera be completely still with good lighting. A close up of the mintmark and the star between the "R" of dollar and "A" of America on the reverse would be enough I think. If you don't own a tripod, just stack some books up on either side of the coin and lay the camera on top like a "bridge" to take the photos.
This is a photo from a 5 megapixel camera with a marco setting. No post processing either:
