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Cash Advance in Youngstown, 44503

Youngstown, OH, was once the country's heart for steel production. Today, Youngstown is home to over sixty thousand citizens.

However, Youngstown citizens may need to find a way to receive the necessary cash when they struggle with finances. In times of need, they can turn to cash advances.

This guide details information on Youngstown cash advances to help borrowers who need extra funds.

Services available

A cash advance loan gives you the money you need upfront in a short time and for every purpose

Payday loans

A payday loan is a type of short-term borrowing where a lender will extend high-interest credit based on your income. Its principal is typically a portion of your next paycheck.

Fast Cash Loans

With a cash advance loan, you can get the money in just a few hours. No more waiting for days or weeks for a loan approval!

Short-term loans

A short term loan is a type of loan that is obtained to support a temporary personal or business capital need.

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Defining Cash Advance Loans

A cash advance loan is a personal, short-term loan with high interest rates and additional fees. Also called payday loans, they give qualified borrowers a certain amount of quick cash plus interest.

They must repay the cash in full, including interest, by a due date. Payday loans often have due dates ranging from a week to two weeks after the disbursement date, depending on when the borrower receives their next paycheck.

To make it easier for both borrowers and lenders to track the interest rate and fees, the total number is consolidated into an annual percentage rate (APR).

These are key details and limitations for Youngstown cash advance loans:

  • Minimum Loan Amount: $100
  • Maximum Loan Amount: $1,000
  • Maximum Loan Term: 31 days
  • Minimum Loan Term: 14 days
  • Number of Outstanding Loans: Up to four completed loans (only one at a time) in 1 calendar year
  • Maximum APR: 28%
  • Cooling-off Period: 90 days between each cash advance loan
  • Extension Limit: One repayment plan
  • Late Repayment Penalties: Up to $20
  • Rollovers: Rollovers are prohibited.

Before starting the loan process, check that you can comply with these limits so you can repay your payday loan on time.

What You Need for a Cash Advance Loan in Youngstown

While getting a cash advance loan in Youngstown is relatively easy, licensed lenders require you to meet certain requirements and submit the necessary documents.

These are cash advance requirements in Youngstown, OH:

  • Proof of income
  • Active bank account
  • At least 18 years old
  • Valid government ID
  • Ohio resident

How to Choose the Right Loan Type

While browsing for cash advance loans, you may encounter other loan types. Whether short or long-term, these loans benefit people who need emergency cash.

Here are three common loan types:

  • Title Loans: A title loan requires a borrower to use a vehicle or home to secure a loan. However, they risk losing this item if they fail to repay the loan.
  • Personal Loans: A personal loan provides cash for necessary expenses but comes with high interest and fees.
  • Installment Loans: An installment loan is a long-term loan where a borrower must repay portions of the loan over a set term.

Get a Cash Advance Loan in Youngstown With Third-Party Lenders

Are you unsure where to get a cash advance loan in Youngstown, Ohio?

Our third-party lenders provide online secure, legal, and quick cash advance loans. These are some of the ways they help:

  • Support for bad credit loans
  • Get the loan by the same or next business day
  • Secured data encryption

To enjoy these benefits, fill out our online inquiry form to start the inquiry process.

Bad Credit Youngstown Cash Advance Loans

Youngstown, OH, allows bad credit cash advance loans.

That’s because lenders usually use your ability to repay the cash advance rather than your credit history to approve it.

Cash Advance Loan Laws in Youngstown

Youngstown, OH, complies with Ohio’s Uniform Commercial Code, which oversees small loan regulations.

The code protects borrowers from predatory lenders. Ohio Rev Code § 1321.41(Q) states that a lender should not:

Offer any incentive to a borrower in exchange for the borrower taking out multiple loans over any period of time, or provide a short-term loan at no charge or a discounted charge as compensation for any previous or future business.”


Any qualified Youngstown, OH citizen may get a cash advance loan when needed due to revised state laws protecting borrowers from high APR.

If you need quick cash, fill out our online inquiry form today to start the process.


This section answers common cash advance loan questions.

How Many Payday Loans Can You Have at Once?

You can only have one payday loan at a time in Youngstown. However, you may have up to four loans per year, with a 90-day cooling-off period between each.

Why Do So Many People Use Payday Loans Despite the Potential Consequences?

People turn to payday loans due to a lack of other financial options or limited access to traditional credit.

How Are Payday Loans Different From Other Types of Loans?

Payday loans are exclusively short-term yet high-interest loans, while other loans may be long-term and provide higher borrowing amounts. 


27 Market St #2, Youngstown, OH, 44503

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Mon – Fri:

9am – 7pm


10am – 4pm



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(234) 231-8361

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