Title Loan Data for Youngstown, OH
$2,661
Average Loan Amount
$1,890–$4,500
Loan Range
2004
Average Vehicle Year
4
Loans Funded
Based on 4 loans in Youngstown from 2024 to 2025. Actual loan amounts vary based on your vehicle’s condition, mileage, your ability to repay the loan, and Ohio regulations.
Actual Title Loans Funded in Youngstown, OH
Actual loan amounts vary based on vehicle condition, mileage, and Ohio regulations.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2019 | Chevrolet | Trax | 63,197 | $1,890 |
| 2010 | Dodge | Ram 1500 | 125,000 | $4,500 |
| 1972 | Pontiac | LeMans Coupe | 100,000 | $2,253 |
| 2016 | Jeep | Grand Cherokee | 190,218 | $2,000 |
| 2011 | Chevrolet | Suburban | 181,350 | $3,000 |
| 2003 | Chevrolet | Malibu | 98,000 | $7,622 |
| 2013 | Harley-Davidson | FLTRU Road Glide Ultra | 38,852 | $3,500 |
| 2007 | Chevrolet | Tahoe | 198,667 | $2,000 |
| 2012 | Lincoln | MKX | 141,000 | $2,000 |
Average Title Loan by Most Common Vehicles in Youngstown, OH
| Vehicle Make | Avg. Vehicle Value | Avg. Loan Amount | Borrowers |
|---|---|---|---|
| Chevrolet | $8,150 | $1,890 | 1 |
| Dodge | $7,625 | $4,500 | 1 |
| Jeep | $5,850 | $2,000 | 1 |
| Pontiac | $17,125 | $2,253 | 1 |
Based on 4 loans in Youngstown from 2024 to 2025. Actual loan amounts vary based on your vehicle’s condition, mileage, your ability to repay the loan, and Ohio regulations.
Did You Know? Youngstown by the Numbers
What Youngstown Borrowers Used Their Loan For
| # | Top Use |
|---|---|
| 1 | Electric and Water Utilities |
| 2 | Emergency Medical Bills |
| 3 | Groceries and Household Essentials |
Based on 4 borrowers in Youngstown from 2024–2025.
Unemployment Rate in Youngstown, Ohio
11.9% of Youngstown residents are currently unemployed, compared to the Ohio state average of 4.6%.
Source: U.S. Census Bureau & Bureau of Labor Statistics.
Median Household Income in Youngstown, Ohio
The median household income in Youngstown is $34,408. About 37.3% of residents live below the federal poverty line.
Source: U.S. Census Bureau & Bureau of Labor Statistics.
Title Loan Regulations in Ohio
- Interest rate cap: 25% per year
- Loan range: $2,500 to $15,000 (typical; no state maximum)
- Repayment term: Minimum 6 months; no maximum; fixed monthly installments
- Regulated by: Ohio Department of Commerce – Division of Financial Institutions (DFI)
What a Title Loan Costs in Ohio
| Loan Amount | Term | APR | Interest/Fees | Total Due |
|---|---|---|---|---|
| $1,000 | 12 months | 25% | $141 | $1,141 |
| $2,500 | 24 months | 25% | $702 | $3,202 |
| $5,000 | 36 months | 25% | $2,157 | $7,157 |
These are interest-only examples and do not include origination fees. Lender must also charge an origination fee: $15-$200 depending on loan size, or $250 (or 1% of the loan, whichever greater) for loans $5,000+.
📖 Governing law: Consumer Installment Loan Act (CILA), Ohio Revised Code §§ 1321.62 to 1321.702
See all Ohio title loan rules and consumer protections on our Ohio title loans page.
Title Loan Questions for Youngstown, OH Residents
A physical inspection is generally not required when applying online. You can submit photos of your vehicle along with your documents and get an appraisal remotely. This allows residents across Youngstown to complete the process without leaving the house.
Yes, you can trust the online application process. The site uses 256-bit SSL encryption to keep your personal and financial data safe. Ohio title lenders must be licensed by the DFI under CILA and are subject to state consumer protection rules. Your data is encrypted and protected from submission through to funding.
Yes, Ohio allows car title loans under CILA (ORC §§ 1321.62 to 1321.702). These loans are subject to a 25% APR cap and lender licensing requirements enforced by the Ohio DFI. Lenders must also disclose all costs and the APR before you sign.
Yes, you can lose your car if you default on a title loan in Youngstown. Ohio law (ORC § 1309.609) authorizes the lender to repossess after default. The lender must notify you before selling. You generally have 20 days from repossession (or 15 days from the lender’s notice) to reclaim your car by paying the balance. Any proceeds above what you owe are returned to you, but a deficiency balance is possible if the sale amount falls short. Reaching out to your lender before you miss a payment is the most effective way to explore options before default.
The most common disqualifying factors for a title loan in Youngstown are: a title held in someone else’s name, existing liens that eliminate available equity, no proof of any income source, not residing in Ohio, or a vehicle too damaged or old to support the requested loan amount.
For most Youngstown applicants, starting online is the faster and more convenient option. You can upload your title, income documents, and vehicle photos and get a decision without scheduling a visit. Phone assistance is available if you have questions during the process.
The process can often be completed the same day you apply. Approval decisions are typically made within a few hours after you submit your documents. Having your vehicle title, proof of income, and photo ID ready before you start is the best way to avoid delays and get a same-day decision.
Title loans typically offer 25% to 50% of your vehicle’s value. Ohio does not set a maximum loan amount. Most borrowers in Youngstown receive between $1,000 and $10,000 depending on vehicle value and income.
