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Best Online Short-term Loans in Youngstown

Strapped for cash? Short-term loans are your quick solution when unexpected expenses hit! Life can be unpredictable, and financial hurdles often come when least expected. This is where our Best Cash Advance Short-term Loans step in, providing the funds you need, right when you need them. Skip the stress and endless paperwork; our streamlined process ensures you get the cash fast. Whether it's an emergency repair or a necessary purchase, we offer reliable, hassle-free solutions. Don't let a short-term financial gap disrupt your peace. Apply today and regain your financial stability with ease.

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Best Online Short-term Loans in Youngstown

Check `n Go
Loan agency
5.00
24 reviews

Address: 1600 S Raccoon Rd UNIT 3, Youngstown, OH 44515

Today's Business Hours: 10:00 AM - 6:00 PM

Phone Number: +1 (330) 799-8500

Website: locations.checkngo.com/ohio/youngstown/1600-south-raccoon-road

Services:

Business loans Flex loans Installment loans Line of credit Payday loans Signature loans Title loans Cash Advances Credit Applications Credit Counseling Credit Reporting Customer Support Financial Protection And Innovation Financial Solution Flexible Options Loan Application Loans Originated New Loans Refinance My Loan Retail Remote Refis And Reloans Specialty Finance Store Finance
Advance Personal Loans
Loan agency
5.00
6 reviews

Address: 1111 Poland Ave, Youngstown, OH 44502

Today's Business Hours: 7:00 AM - 7:00 PM

Phone Number: +1 (234) 720-3603

Website: advanceploans.com/locations/youngstown

Services:

Installment loans Payday loans Signature loans Loans Personal Loans No Credit Check Loans Online Bad Credit Loans Online Personal Loans Personalised Service Quick Cash Quick Online Loan Short-Term Loan Unsecured Loans
ACE Cash Express
Loan agency
5.00
1 reviews

Address: 272 Boardman-Canfield Rd, Youngstown, OH 44512

Phone Number: +1 (330) 965-1601

Fast Payday Loans
Loan agency
5.00
1 reviews

Address: 124 E Federal St, Youngstown, OH 44503

Today's Business Hours: 7:00 AM - 7:00 PM

Phone Number: +1 (330) 278-8925

Website: fastpdloans.com/locations/youngstown

Advance Check Cashing
Check cash
5.00
1 reviews

Address: 3700 Mahoning Ave # C, Youngstown, OH 44515

Today's Business Hours: 10:00 AM - 6:00 PM

Phone Number: +1 (330) 792-3773

check n go, Check `n Go Store Directory
Loan agency
4.90
1 reviews

Address: Youngstown, OH 44515

Phone Number: +1 (330) 799-8500

Website: locations.checkngo.com/ohio/youngstown

Services:

Business loans Flex loans Installment loans Line of credit Payday loans Title loans Cash Advances Cashier's Checks Check Cashing Checking Account Credit Counseling Credit Reporting Financial Solution Flexible Options Loan Applications Loan Refinance Loan Repayment Loans Originated New Loan Personal Checks Retail Loans Short-Term Loan Tax Returns
ACE Cash Express
Loan agency
4.90
11 reviews

Address: 4040 Youngstown-Poland Rd, Youngstown, OH 44514

Today's Business Hours: 10:00 AM - 7:00 PM

Phone Number: +1 (330) 788-1535

Website: acecashexpress.com/locations/ohio/youngstown/2417

Services:

Bill paying Business check cashing Business loans Cash for gift cards Flex loans Installment loans Line of credit Money transfers Payday loans Personal check cashing Signature loans Tax refund check cashing Title loans Ace Cash Express Services Atm Services Auto Loans Auto Repair Car Repairs Cash Advance Cash Advances Cash Withdrawals Check Cashers Child Tax Credit Consumer Loans Convenient Services Credit Card Credit Cards Credit Counseling Deposit Account Emergency Cash Emergency Loans Express Online Payment Financial Services Financial Solution Home Mortgage Home Repair Id Verification Identity Verification Instant Loan Internet Loans Loan Application Loan Funding Loans Applying Payment Processing Prepaid Debit Cards Quick Cash Quick Loans Registration Loans Revenue Service Short Term Loans Online Tax Preparation Visa Debit Cards ACE Flare ACE Elite Money Orders Tax Services Business Services
Valley Economic Development Partners
Loan agency
4.50
7 reviews

Address: 4319 Belmont Ave, Youngstown, OH 44505

Today's Business Hours: 8:00 AM - 5:00 PM

Phone Number: +1 (330) 759-3668

Website: valleyedp.com

Services:

Business loans Installment loans Ppp Forgiveness Revolving Loan Sba Loan Programs
Check 'n Go
Loan agency
3.80
6 reviews

Address: 1739 Wilson Ave, Youngstown, OH 44506

Today's Business Hours: 8:00 AM - 11:00 PM

Phone Number: +1 (330) 744-3447

Website: firstchoicepaydayloans.com

Durkin Loan
Loan agency

Address: 755 Boardman-Canfield Rd d1, Youngstown, OH 44512

Today's Business Hours: 9:00 AM - 5:00 PM

Phone Number: +1 (330) 782-2274

Alternatives to Short-term Loans in Youngstown

Short-term loans offer quick financial assistance with different options tailored to varying needs. Personal loans are typically unsecured and can be used for a variety of purposes, offering a swift solution without the need for collateral, although they generally come with higher interest rates. Installment loans provide a structured repayment plan, allowing borrowers to pay back in fixed monthly amounts over a short period, making budgeting easier and predictable. Title loans, on the other hand, require the borrower to use their vehicle as collateral, allowing for rapid access to cash but risking asset forfeiture if payments are not met. Each type serves distinct financial situations, with personal loans offering versatility, installment loans providing planned repayments, and title loans delivering secured, quick cash access.

Best Personal Loan

Creekside Mortgage
5.00
10 reviews

Short-term loans are quick financing solutions that typically require repayment within a few months to a year. For the best personal loans, one might consider options like Upstart. Upstart focuses on factors beyond credit score, such as education and employment, providing a more personalized rate. This accessibility, coupled with flexible loan amounts and quick funding, makes it a leading choice for personal short-term financing needs.

Best Car Title Loan

Montana Capital Car Title Loans
5.00
9 reviews

Title loans are another form of short-term financing, with one of the best options being offered by reputable title loan companies that ensure transparency and fair terms. A title loan allows you to use your vehicle's title as collateral, enabling borrowers to access funds even with poor credit. It's crucial to choose a lender that outlines all fees and interest rates upfront, avoiding any predatory practices that could lead to difficulties in the future. While these loans can provide quick cash, they carry the risk of losing your vehicle if not repaid, so they should be approached carefully.

Loan Regulations in Ohio

Ohio's short-term loan regulations are designed to provide a balance between borrower protection and accessibility. The state allows short-term loans up to $1,000 with a minimum term of 91 days, though the loan term can be shorter if the monthly payment does not exceed 6% of the borrower's gross monthly income or 7% of net monthly income. The maximum term is one year. Interest rates on short-term loans in Ohio are capped at 28% APR, significantly lower than in many other states.

To be eligible for a short-term loan in Ohio, applicants must meet basic criteria such as having a steady source of income, being at least 18 years old, and possessing a valid checking account. Some lenders may require additional documentation or criteria.

Short-Term Loan Calculator

day(s)
%
$

Estimated Payment

$327.12
Total Principal Paid: $300.00

Financial Charge: $27.12

Loan Term: 150 day(s)

APR: 22.00%

Where to Use Short-term Loan

Individuals who have availed a short-term loan can utilize it for essential services provided by local businesses. This includes medical services for healthcare needs, car repair services for vehicle maintenance, legal services for any legal obligations, funeral services for managing last rites, and appliance services for purchasing or repairing essential household electronics.

B&B/Guest House
3128 Logan Way, Youngstown, OH 44505
+1 (330) 759-9539
Car Repair and Service
1922 East Midlothian Boulevard, Youngstown, OH 44502
+1 (330) 333-3283
Car Wash
5308 Youngstown Poland Road, Youngstown, OH 44514
+1 (330) 565-0151
Club & Association
831 Mahoning Avenue, Youngstown, OH 44502
+1 (330) 746-9322
College/University
Bryson Street, Youngstown, OH 44502
Community Center
5665 Mahoning Avenue, Youngstown, OH 44515
+1 (330) 729-1233
Concert Hall
600 Playhouse Lane, Youngstown, OH 44511
+1 (330) 788-8739
Construction Material & Equipment
862 Tod Avenue, Youngstown, OH 44502
+1 (330) 333-3980
Doctor
3622 Belmont Avenue, Youngstown, OH 44505
Fast Food
3717 Belmont Avenue, Youngstown, OH 44505
Fitness Club & Center
590 East Western Reserve Road, Youngstown, OH 44514
+1 (330) 559-1659
Government Office
1475 Teamster Drive, Youngstown, OH 44510
+1 (330) 744-3179
Library
305 Wick Avenue, Youngstown, OH 44503
+1 (330) 744-8636
Movie Theater
110 5th Avenue, Youngstown, OH 44503
+1 (330) 743-8319
Museum
752 Canfield Road, Youngstown, OH 44511

FAQ

What are short-term loans?

Short-term loans are financial products that allow you to borrow a small amount of money for a short period, typically up to a year. They are designed to provide quick financial relief for unexpected expenses or emergencies.

Can I get a short-term loan with bad credit?

Yes, many lenders offer short-term loans specifically tailored for individuals with bad credit. Although your interest rates may be higher, these loans are an option for those who have trouble securing funding through traditional means.

What are same-day loans?

Same-day loans are a type of short-term loan where funds are disbursed quickly, often on the same day the application is approved. These loans are ideal for urgent financial needs, as they provide immediate access to funds.

How do short-term loans work?

Short-term loans are a form of short-term borrowing where you typically borrow a small amount against your next paycheck. They generally come with high interest rates and fees, and repayment is usually required in a single lump sum on your next payday.

What are the requirements for obtaining a short-term loan?

To qualify for a short-term loan, you generally need to be at least 18 years old, have a valid ID, proof of income, and an active checking account. Lenders may have additional requirements, so it’s important to review their terms carefully before applying.

Are there any risks associated with short-term loans?

Yes, short-term loans often come with high interest rates and fees, making them an expensive borrowing option. It's also crucial to ensure that you'll be able to repay the loan on time, as missing payments can lead to additional fees and damage your credit score further.

How can I apply for a short-term loan?

Applying for a short-term loan is generally a straightforward process. Most lenders offer online applications where you fill out your personal and financial information. Approval is typically quick, with some lenders offering instant decisions and same-day funding.

Find Short-term Loans Near Me

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