Loans in Mahoning County, OH: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Mahoning County, OH.
The median household in Mahoning County earns $56,942 a year, 20% below the Ohio median of $71,389. About 19% of residents live below the federal poverty line, and 29.7% of households rent their home. 10.0% of households have no home internet; our form works on any phone.
What you need for a payday loan in Mahoning County
Lenders that serve Mahoning 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 Mahoning County
What Mahoning County borrowers use it for
the fastest options online
Rent duecover a short gap before payday
Emergencieshandle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Mahoning 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 Mahoning County
Banks with branches in Mahoning County
48 FDIC-insured bank branches from 10 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Huntington National Bank | 12 | 724 Boardman Poland Rd, Boardman 44512 |
| The Farmers National Bank of Canfield | 9 | 20 S Broad St, Canfield 44406 |
| WesBanco Bank, Inc. | 8 | 275 W Federal St, Youngstown 44503 |
| PNC Bank, National Association | 5 | 100 E Federal St, Youngstown 44503 |
| JPMorgan Chase Bank, National Association | 5 | 30 N Main St, Poland 44514 |
| First National Bank of Pennsylvania | 4 | 1 W Federal St, Youngstown 44503 |
| KeyBank National Association | 2 | 100 S Main St, Youngstown 44514 |
| Citizens Bank, National Association | 1 | 955 Boardman Poland Rd, Boardman 44512 |
| Woodforest National Bank | 1 | 6001 Mahoning Ave, Austintown 44515 |
| Main Street Bank Corp. | 1 | 3667 Starrs Centre Dr, Canfield 44406 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Mahoning County
11 credit-union locations from 8 credit unions.
| Credit union | Location |
|---|---|
| Seven Seventeen | 6460 Mahoning Ave, Austintown 44515 |
| Cardinal Credit Union, Inc. | 6458 S Raccoon Rd Unit 1, Canfield 44406 |
| Bridge | 808 Poland Ave, Struthers 44471 |
| Associated School Employees | 1690 S Canfield Niles Rd, Youngstown 44515 |
| Gnc Community | 1035 N Meridian Rd, Youngstown 44509 |
| First Choice | 1035 N Meridian Rd, Youngstown 44509 |
| W S S C | 1343 Belmont Ave, Youngstown 44504 |
| New Castle Bellco | 1786 Celeste Cir, Youngstown 44511 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Mahoning County
Frequently asked questions
Are payday loans legal in Mahoning County?
Mahoning 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 Mahoning 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 Mahoning County?
Options include 48 bank and 11 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 Mahoning County?
Fill out our short online form from anywhere in Mahoning 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 get a loan in Mahoning County with bad credit?
Yes, many lenders in our network work with Mahoning 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 Mahoning County?
Yes. When an unexpected bill comes up, Mahoning 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 apply for a loan online in Mahoning County?
Yes. You don't need to visit a branch or storefront anywhere in Mahoning 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 a loan in Mahoning 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. Mahoning County residents can start any time, and it takes about 3 minutes.