Get Quick and Easy Access to Local & Same Day Payday Loans in Youngstown, OH
Fast Payday Loan Lenders near Youngstown, OH
Borrow money for your urgent cash needs in Ohio by visiting a lender’s office; or applying for an urgent loan online. But, if you need money fast from the best lender in your state, apply online. Check out the best features of applying for loans online here at AdvanceSOS. We also have for you a list of direct lenders near you in Youngstown, OH.
Quick Online Payday Loans in Youngstown, OH, USA Faxless
Payday Loans Companies in Youngstown, OH
Addresses, phone numbers, and reviews of lenders stores working nearby you:
Company
Address
ZIP code
Phone Number
Ranting
Reviews
Check `n Go
1600 S Raccoon Rd UNIT 3
44515
(330) 079-8500
5
447
Advance America
5963 South Ave
44512
(330) 062-8687
5
153
Eagle Loan
224 Boardman-Canfield Rd
44512
(330) 077-8281
4.8
123
Advance America
3105 Belmont Ave
44505
(330) 075-4628
4.9
110
Advance America
1698 S Raccoon Rd UNIT 7
44515
(330) 027-3583
4.8
88
ACE Cash Express
3029 Belmont Ave
44505
(330) 075-0916
4.8
76
ACE Cash Express
2550 1/2 Market St
44507
(330) 078-2337
4.7
76
Mariner Finance
1393 Boardman-Canfield Rd Suite H-1
44512
(330) 033-7246
4.4
61
ACE Cash Express
3306 Mahoning Ave
44509
(330) 079-6808
4.4
43
ACE Cash Express
4040 Youngstown-Poland Rd
44514
(330) 078-1535
4.6
32
Cashland
1100 E Midlothian Blvd # 1
44502
(330) 078-7003
3.3
26
CheckSmart
663 Gypsy Ln
44504
(330) 074-1568
2.8
24
CheckSmart
112 Boardman Poland Rd
44512
(330) 075-4201
3
23
CheckSmart
5700 Youngstown Warren Rd
44446
(330) 054-6017
2.3
17
Check n Go
1739 Wilson Ave
44506
(330) 074-3447
3.8
12
check n go, Check `n Go Store Directory
Youngstown
44515
(330) 079-8500
4.9
12
OneMain Financial
6530 South Ave #5
44512
(330) 072-0138
4.6
9
Montana Capital Car Title Loans
101 W Indianola Ave
44507
(234) 441-5051
5
8
Quick Cash Loans
4700 Belmont Ave
44505
(234) 441-6338
5
7
Advance Check Cashing
3700 Mahoning Ave # C
44515
(330) 079-3773
5
1
– companies ratings and reviews are based on their Google Business Profile. Updated October, 2023 – do you want to add, delete or modify your company details? Contact us – info@advancesos.com
Use Google Maps to Find Loan Places Near Your Location
Do you want to learn more? Check the video about payday loans in Ohio by Nick Wilson experienced loan officer.
How Much Credit Can You Get?
To qualify for advance payday loans in Youngstown, Ohio, you must satisfy the following conditions:
You must be over 18 years of age as the U.S. prohibits lending to minors
You must be a resident of Youngstown, Ohio — you have to prove this with your contact address.
You must have a monthly income of at least $1,000
You must not be bankrupt
You must have a valid phone number and email address
If you satisfy the above requirements, you’ll get your loan on the same day, provided it’s on a business day.
How Much Can You Borrow?
The amount of payday loan you can borrow in Youngstown, Ohio, is not specified, but residents can access credit ranging from $100 to $500. Loan repayment takes a maximum of 31 days, which typically means you have to pay them with your next paycheck.
While you can only have one loan at a time, you can borrow up to four times in a year. No rollover of loans is allowed in Payday loans. However, customers have a right to a repayment plan when they default on their loans.
If you’re applying for Payday loans online, the lender will deposit the money into your account. As such, you’ll have to own a checking account to receive credit. On the other hand, you’ll get instant cash when you choose to make your loan application by visiting the lender’s physical office.
Advance Payday loans are an ideal way to get quick cash. Once you provide all the necessary information, loan approval ranges from instant to a few hours (typically less than 24 hours).
Payday Loans Regulations in Youngstown, Ohio
The regulations surrounding Payday loans vary from state to state and area codes in Youngstown, Ohio. The small loans’ regulations are to the following effect:
A finance charge of less than 10% is applicable for loans of less than $30
The interest rate charged for a 14-day $100 loan should not be more than 309%
Small loans attract an acquisition charge. Loans of $30 to $100 attract a 10% acquisition charge while that of $100 loans and above should not be more than 10%
Additionally, the repayment for Payday loans should take a maximum of 31 days. However, a repayment plan is applicable if a customer defaults on a loan.
Alternatives to Payday Loans in Youngstown, Ohio
While the annual percentage rate (APR) charged for Payday loans varies across various states, they’re still an expensive way to borrow. Here are alternatives to Payday loans in Youngstown, Ohio.
Bad Credit Loans
One of the most popular alternatives to Payday loans is bad credit loans. It’s suitable for those who have a bad credit history. With this arrangement, customers get to borrow at interest rates that are typically below Payday loan rates.
Interest rates to Payday loans average at about 400%. This is unlike personal loans that will cost you 10% to 40%. The figure will depend on the type of credit a customer takes from the lender.
While customers should not rush to get instant cash at 40%, it will definitely be better than the 400% charged for Payday loans.
No Credit Check Loans
This type of loan allows you to borrow short-term loans with no credit checks. This means that you can borrow even if you have no credit history. Additionally, users don’t need a bank or checking account to access quick cash.
Through our website, you can make your loan application online and get instant responses from various financial institutions. Application is easy and fast, too.
Title Loans
Title loans are suitable for those looking for larger sums of money. It also doesn’t involve credit checks, making it a perfect choice if you’ve had a bad credit history in the past.
To get the loan, you’ll have to leave your car’s title with the lender. The loan amount to be awarded will depend on your car’s value, among other factors. However, you get to keep the car.
Installment Loans
Another type of payday loan online we recommend to our clients is the installment loan. It’s a perfect choice if you need cash but need more time to repay, or if you want to buy something that costs a lot.
Installment loans involve longer repayment plans based on your agreement with the lender, unlike payday loans that have to be repaid at the end of the month.
Get Instant Loan Today!
Are you in need of payday loans in Youngstown, Ohio, and don’t know where to get started?
We’re here to help you out. Through our website, you get access to many financial lenders to suit your needs.
Our services allow for a seamless transaction that enables you to get advance payday loans fast. Plus, you don’t have to worry about the safety of your personal information since we use high-quality data protection software.
