Youngstown, OH

Credit Repair & Financial Services in Youngstown

Review 6 credit repair companies, personal lenders, and financial services in Youngstown, Ohio. Profiles include stored ratings, BBB context, pricing fields, maps, and local rules where available.

Ohio avg credit score: 704 Median income: $65,720 Poverty rate: 13% Payday loans: Restricted Ohio overview →

Featured Provider Profiles in Youngstown

6 companies
5 Star Car Title Loans logo

5 Star Car Title Loans

Youngstown's 5 Star Car Title Loans at 3212 South Ave serves OH residents needing title-loan profile details and emergency cash.

BBB: NR

Profile signals: Vehicle owners with equity who need same-day cash and may not meet traditional loan criteria, Borrowers with poor or no credit facing an immediate financial emergency

5 Star Car Title Loans logo

5 Star Car Title Loans

Youngstown's 5 Star Car Title Loans at 1802 Belmont Ave offers emergency car title loans.

BBB: NR

Profile signals: Vehicle owners facing short-term cash access emergencies who have equity in their car and can afford repayment, Borrowers with damaged credit who may not meet traditional personal-loan or credit-card criteria

Associated School Employees logo

Associated School Employees

ASE Credit Union is a member-owned financial cooperative established in 1954, offering checking, savings, loans, and mortgages to residents and employees in 8 Alabama counties surrounding Montgomery.

BBB: NR

Profile signals: Alabama residents in the Montgomery-area eight-county region seeking member-owned alternative to traditional banks, State employees and education sector workers originally targeted by the credit union's founding mission

Catholic Charities Regional Agency logo

Catholic Charities Regional Agency

Catholic Charities Regional Agency provides free and low-cost social services across Columbiana, Mahoning, and Trumbull Counties, including housing assistance, immigration legal services, and community support programs.

BBB: NR

Profile signals: Immigrants and refugees seeking legal immigration assistance in Columbiana, Mahoning, or Trumbull Counties, Low-income individuals needing faith-based community social services

Montana Capital Car Title Loans logo

Montana Capital Car Title Loans

Youngstown, OH location of Montana Capital Car Title Loans at 1757 E Midlothian Blvd provides same-day car title loan approvals.

BBB: NR

Profile signals: Borrowers with poor or no credit history needing short-term funds quickly, Vehicle owners with significant equity seeking short-term cash without credit evaluation

Youngstown Neighborhood Development Corp. logo

Youngstown Neighborhood Development Corp.

Non-profit neighborhood development organization offering housing counseling, home repair assistance, homeownership programs, and rental properties in Youngstown, Ohio.

BBB: NR

Profile signals: Youngstown, Ohio residents seeking homeownership counseling and down payment assistance, Homeowners needing affordable repair programs with professional inspection oversight

Emergency Cash in Youngstown

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5 Star Car Title Loans logo

5 Star Car Title Loans

Youngstown's 5 Star Car Title Loans at 3212 South Ave serves OH residents needing title-loan profile details and emergency cash.

BBB: NR

Profile signals: Vehicle owners with equity who need same-day cash and may not meet traditional loan criteria, Borrowers with poor or no credit facing an immediate financial emergency

5 Star Car Title Loans logo

5 Star Car Title Loans

Youngstown's 5 Star Car Title Loans at 1802 Belmont Ave offers emergency car title loans.

BBB: NR

Profile signals: Vehicle owners facing short-term cash access emergencies who have equity in their car and can afford repayment, Borrowers with damaged credit who may not meet traditional personal-loan or credit-card criteria

Montana Capital Car Title Loans logo

Montana Capital Car Title Loans

Youngstown, OH location of Montana Capital Car Title Loans at 1757 E Midlothian Blvd provides same-day car title loan approvals.

BBB: NR

Profile signals: Borrowers with poor or no credit history needing short-term funds quickly, Vehicle owners with significant equity seeking short-term cash without credit evaluation

Free Help in Youngstown

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Catholic Charities Regional Agency logo

Catholic Charities Regional Agency

Catholic Charities Regional Agency provides free and low-cost social services across Columbiana, Mahoning, and Trumbull Counties, including housing assistance, immigration legal services, and community support programs.

BBB: NR

Profile signals: Immigrants and refugees seeking legal immigration assistance in Columbiana, Mahoning, or Trumbull Counties, Low-income individuals needing faith-based community social services

Youngstown Neighborhood Development Corp. logo

Youngstown Neighborhood Development Corp.

Non-profit neighborhood development organization offering housing counseling, home repair assistance, homeownership programs, and rental properties in Youngstown, Ohio.

BBB: NR

Profile signals: Youngstown, Ohio residents seeking homeownership counseling and down payment assistance, Homeowners needing affordable repair programs with professional inspection oversight

Credit Unions in Youngstown

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Associated School Employees logo

Associated School Employees

ASE Credit Union is a member-owned financial cooperative established in 1954, offering checking, savings, loans, and mortgages to residents and employees in 8 Alabama counties surrounding Montgomery.

BBB: NR

Profile signals: Alabama residents in the Montgomery-area eight-county region seeking member-owned alternative to traditional banks, State employees and education sector workers originally targeted by the credit union's founding mission

Your Rights in Ohio

Ohio Consumer Protections: Ohio reformed payday lending in 2018 with HB 123, capping APR at 28% and requiring minimum 91-day terms. A statewide database prevents borrower abuse. The Division of Financial Institutions regulates consumer lenders, and consumers can file complaints with the Division or the Attorney General.

Interest Rate Cap: Ohio usury cap: 28% APR cap on short-term loans (HB 123, 2018); 8% general usury. Payday lending is restricted (max $1000).

Key Regulations:
  • HB 123 (2018) reformed payday lending with 28% APR cap plus a monthly maintenance fee.
  • Short-term loans capped at $1,000 with minimum term of 91 days.
  • Monthly maintenance fee of up to 10% of original principal (max $30/month).
  • A statewide database tracks borrower loans to prevent excessive lending.

Federal protections: The FCRA gives you the right to dispute inaccurate credit report information for free. Credit repair companies cannot charge before performing services (Credit Repair Organizations Act).

Free resources: Get a free credit report annually at AnnualCreditReport.com. File complaints with Ohio Attorney General Consumer Protection Section.

Research Service Guides

Use these guides with local pages, state rules, and provider profiles before contacting a company.

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