Personal 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.
Ohio law that applies in Youngstown
| Rate cap | Small Loan Act: 28% a year on the first $1,000 of the balance and 22% on any amount above $1,000. |
|---|---|
| License required | Yes. |
| Loan sizes covered | The Small Loan Act covers loans of $5,000 or less. |
Full rules with statute citations: Personal 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 personal loan in Youngstown
Most Youngstown applicants can finish in one sitting if they have these ready:
- 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 Youngstown
What Youngstown borrowers use it for
cover a short gap before payday
Need money nowthe fastest options online
Moving costsdeposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
Loans for your situation
How to get a personal loan in Youngstown
- Choose an amount from $100 to $5,000 and complete one form.
- Lenders in our network review your request; many accept fair or bad credit.
- Compare the APR, monthly payment and total cost on any offer.
- If you accept, money is usually deposited in 1–2 business days.
Estimate your cost
Personal / installment loan calculator
Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms 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 · Payday Loans in Youngstown
Frequently asked questions
Can I get a personal loan with bad credit in Youngstown?
Possibly. Lenders in our network consider applicants with fair and bad credit across Ohio, including Youngstown. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Youngstown, OH?
Licensed lenders capped at 21%-28% a year depending on license; Consumer Installment Loan Act 25%.
How fast can I get a personal loan in Youngstown?
Many online lenders give a decision within minutes and deposit funds in one to two business days after you sign. Your bank's processing time can add a day.
Where can I find a loan for bad credit in Youngstown?
You can apply at local banks and lenders in Youngstown, or go online to reach more lenders at once. Banks often have stricter credit requirements, while many online lenders consider all credit types. Our free form sends one request to multiple lenders in our network, so you don't have to apply one by one. Many applicants get a decision within minutes.
How do installment loans work in Youngstown?
You apply, the lender reviews your income and credit profile, and if you're approved you receive a lump sum deposited into your bank account. You then repay it in equal scheduled payments over an agreed term, with interest built in. Your agreement shows each payment amount and date before you sign. Youngstown residents can see installment loan offers with our free 3-minute form.
Can I get an emergency loan with bad credit in Youngstown?
Yes, many emergency loan lenders consider borrowers with bad credit. They often put more weight on your current income and ability to repay than on past credit problems. Approval isn't guaranteed, but applying through our network lets you reach multiple lenders with a single request instead of applying again and again. Youngstown residents can see if they qualify in about 3 minutes.
How do I apply for a personal loan with bad credit in Youngstown?
Start by gathering your ID, proof of income and bank account details. Then complete our online form with accurate information about your income and the amount you need. Lenders in our network review your request, and many respond within minutes. Asking for an amount that fits your income can improve your chances. If you're approved, you'll review the full terms before signing.
What credit score do I need for a personal loan?
There's no single minimum. Some lenders want good credit, but many lenders in our network consider fair, poor and limited credit and weigh your income and job history too. A higher score may get you better rates and larger amounts, while lower scores may still qualify for smaller loans. Find out what's available to you in Youngstown with our free 3-minute form.
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.