Personal loans in Youngstown, OH

An estimated 59,108 people make their home in Youngstown, a figure that ranks 11th in Ohio. Work out your debt-to-income ratio first; lenders weigh it heavily, and Youngstown's 59,108 residents are no exception. Rate ceilings, licensing requirements and product limits for Youngstown are all set at the Ohio level. The closest larger city is Canton, OH about 43 miles away.

What the Census records for Youngstown

Here is the sourced Census picture for Youngstown, plus the Ohio lending rules that apply to a loan taken out here.

• Population: 59,108 people, a figure that places Youngstown 11th among the 924 Census places in Ohio (US Census Bureau, Vintage 2023).
• Population trend: A loss of roughly 1.6% between 2020 and 2023.
• People gained or lost: about 939 fewer since the 2020 base.
• Size percentile: roughly 99% of Ohio's places have fewer residents than Youngstown's 59,108.
• Population density: 1,742 people per square mile on 33.9 square miles of land.
• Land area rank: Youngstown's 33.9 square miles rank 7th of 924 places in Ohio.
• Water: Youngstown holds about 0.64 square miles, the 20th-largest water area in Ohio.
• Share of state population: Youngstown's 59,108 residents are about 0.8% of Ohio.
• National rank: Youngstown is 658th of 19,457 places nationwide.
• Growth in Ohio: Youngstown stands 632nd by percentage change from 2020 to 2023, among 924 places.
• Against the state trend: Youngstown's 1.6% change compares with a Ohio average of +0.9% across its 924 places.
• Density rank: Youngstown places 269th among Ohio's places by people per square mile.
• Density vs Ohio: Youngstown's 1,742 people per square mile compare with a state median of 1,289.
• Location: coordinates 41.0991, -80.6459 (US Census Bureau Gazetteer).
• Nearest larger cities: Canton (43 mi); Akron (46 mi); Pittsburgh (57 mi); Parma (60 mi); Cleveland (60 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller places nearby: Campbell (3 mi); Struthers (4 mi); Girard (5 mi).
• Smaller places within 50 miles: 215 of them.
• At 100 miles: 7 larger Census places fall inside that radius.

The Ohio lending rules that reach Youngstown

Read the table as a lender's compliance picture for Youngstown: the rule, the sourced figure, the publisher and the date.

Youngstown: area, density and distance

The Census Gazetteer records 33.9 square miles of land and 0.64 square miles of water within Youngstown. Spread across it are roughly 1,742 residents per square mile. Columbus, the largest place in Ohio, is about 145 miles from Youngstown. Within 50 miles of Youngstown there are 2 larger Census places. By land area it ranks 7th of 924 Ohio places.

How Youngstown compares across Ohio

Youngstown is the 11th-largest of 924 Census places in Ohio and contains about 0.8% of the state's people. For population change between 2020 and 2023, Youngstown ranks 632nd of 924 in Ohio (about the 32th percentile). At about 1,742 people per square mile, Youngstown is the 269th most densely settled place in Ohio. Between 2020 and 2023 the count changed by roughly 939 residents.

Before you apply in Youngstown

A sensible order of operations for a loan in Youngstown, home to about 59,108 people:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Look the lender up in the Ohio regulator's licence records before you sign.
5. Decide the purpose and how you will repay it before approaching any lender.
6. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
7. Read the disclosure for an origination fee and any prepayment penalty before signing.

The process is identical across Ohio; what changes is your credit file, not the fact that Youngstown holds 59,108 people.

What a Youngstown borrower is actually offered

In Youngstown, a mid-sized city of about 59,108, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Two numbers drive a Youngstown loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Youngstown decides the split between a comfortable payment and the total interest you pay.