Payday loans in Youngstown, OH
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Youngstown, OH.
The median household in Youngstown earns $34,408 a year, 52% below the Ohio median of $71,389. About 37% of residents live below the federal poverty line, and 43.8% of households rent their home. 15.0% of households have no home internet; our form works on any phone. When an unexpected bill hits before payday, Youngstown residents can request $100 to $1,000 online in minutes.
Ohio law that applies in Youngstown
| Maximum loan | A short-term loan may not exceed $1,000. |
|---|---|
| Fee cap | Interest is capped at 28% a year. |
| Rollovers | A lender may refinance a short-term loan only if the new loan stays within the 28% interest cap and no monthly maintenance fee is charged on it. |
| Loans at once | A lender (or its affiliates or employees) may not make you a new short-term loan while you still owe it one, except a permitted refinance. |
Full rules with statute citations: Payday Loans in Ohio. Cities in Ohio cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a payday loan in Youngstown
Here's what to have on hand before you start your payday loan request in Youngstown:
- 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 Youngstown
What Youngstown borrowers use it for
the fastest options online
Rent duecover a short gap before payday
Medical billspay a doctor, dentist or pharmacy bill now
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
How to get a payday loan in Youngstown
- Pick an amount and fill out the short form (about 3 minutes).
- We share your request with lenders in our network that serve Ohio.
- If a lender approves you, you'll see the fee, APR and due date before you sign.
- Funds are deposited to your bank account, often the next business day.
Estimate your cost
How much will I repay?
Ohio does not set a single per-$100 fee cap for this product; check the lender's disclosure. $15 per $100 is shown as an example.
Estimate only. Your lender shows your exact cost before you sign.
Banks and credit unions in the area
Banks with branches in Youngstown
25 FDIC-insured bank branches from 8 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Huntington National Bank | 6 | 6010 Mahoning Ave, Youngstown 44515 |
| PNC Bank, National Association | 5 | 100 E Federal St, Youngstown 44503 |
| WesBanco Bank, Inc. | 5 | 275 W Federal St, Youngstown 44503 |
| First National Bank of Pennsylvania | 3 | 1 W Federal St, Youngstown 44503 |
| JPMorgan Chase Bank, National Association | 2 | 5531 Mahoning Ave, Youngstown 44515 |
| KeyBank National Association | 2 | 100 S Main St, Youngstown 44514 |
| The Farmers National Bank of Canfield | 1 | 3619 S Meridian Rd, Youngstown 44511 |
| Citizens Bank, National Association | 1 | 4333 Belmont Ave, Youngstown 44505 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Youngstown
8 credit-union locations from 7 credit unions.
| Credit union | Location |
|---|---|
| Mahoning Valley | 15 Colonial Dr Ste 14, Youngstown 44505 |
| 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 |
| Doy | 1500 Gypsy Ln, Youngstown 44505 |
| New Castle Bellco | 1786 Celeste Cir, Youngstown 44511 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Mahoning County · Trumbull County · Personal Loans in Youngstown
Frequently asked questions
Can I get a payday loan in Youngstown, OH?
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). You can request one online from Youngstown through our network; approval and terms are set by the lender.
How much can I borrow with a payday loan in Youngstown?
A short-term loan may not exceed $1,000.
How fast can I get a payday loan in Youngstown?
The form takes about three minutes and many lenders decide within minutes. If you're approved and sign before the lender's cutoff, funds are often deposited the next business day.
Do payday loans affect your credit score?
Usually only a little, if at all. Because many payday lenders don't use a traditional hard credit pull and often don't report to the major bureaus, a payday loan repaid on time typically has little effect on your score. A balance that goes unpaid and reaches collections could hurt it, so borrow an amount you can repay on your due date. Youngstown residents can see their options with our 3-minute form.
Is a payday loan the same as a cash advance?
The terms are often used interchangeably. A payday loan is sometimes called a cash advance because it advances money against your next paycheck. A credit card cash advance is different: you withdraw cash against your card's credit limit, which requires available credit on a card. If you don't have card credit to tap, a payday loan through our network is a fast option. Check your options in about 3 minutes.
Is a payday loan installment or revolving credit?
A traditional payday loan is neither. It's a single-payment loan: you borrow a set amount and repay it, plus the fee, in one payment on your due date. An installment loan spreads repayment over several scheduled payments, and revolving credit, like a credit card, lets you borrow repeatedly up to a limit. Depending on Ohio rules, lenders may offer payday or installment options. Compare them in about 3 minutes.
Do payday loans show up on your credit report?
Many payday lenders do not report regular, on-time payments to the three major credit bureaus, so the loan often doesn't appear on a standard credit report. Some lenders and specialty bureaus do track short-term loans, and an unpaid balance sent to collections can be reported. Your lender explains its reporting policy in the loan agreement. Ready to compare offers in Youngstown? Our form takes about 3 minutes.
What is a payday advance loan?
A payday advance loan is another name for a payday loan: a short-term advance on your next paycheck. You borrow a small amount and repay it, plus a fee, when you're next paid. The process is quick because lenders look mainly at your income and checking account. Youngstown residents can request a payday advance online through our network in about 3 minutes.
Do I need to visit a store in Youngstown?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.