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Pawn Shops vs Payday Loans in Youngstown, OH
6 pawn shops in and around Youngstown — 3.9 per 100,000 residents, compared with 2.0 across Ohio. Call ahead to ask what they're buying and lending on today: inventory needs change weekly. Youngstown ranks #8 of 26 Ohio cities with pawn shops by shops per resident.
- Pawn shops
- 6
- Pawn shops per 100k
- 3.9
- Ohio: 2.0
- Big-chain shops
- 1
- Payday & loan stores
- 10
- Population
- 154,934
Pawn shops in Youngstown: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Ace Diamond and Jewelry Brokers | 7110 Market St # A Boardman Twp, OH 44512 | (330) 629-6363 | acediamondbrokers.com |
| Ace East Pawn | 675 McCartney Rd Youngstown, OH 44505 | (330) 744-4042 | aceeastpawn.com |
| Austintown Pawn Inc. | 3700 Mahoning Ave Youngstown, OH 44515 | (330) 792-7001 | austintownpawn.com |
| Cash America PawnChain | 1100 E Midlothian Blvd Ste 1 Youngstown, OH 44502 | (330) 788-7003 | firstcash.com |
| Gold Exchange The | 2802 Market St Youngstown, OH 44507 | (330) 782-8155 | goldexchangeyoungstown.com |
| Sandel's Loan Inc | 306 W Federal St Youngstown, OH 44503 | (330) 743-1359 | sandelsloan.com |
Pawn shops vs payday loan stores in Youngstown
Youngstown has 10 payday, installment and title loan stores but only 6 pawn shops.
Pawn shops
6
3.9 per 100k residents
Payday & loan stores
10
6.5 per 100k residents
6 store chains
Biggest loan store chains in Youngstown: ACE Cash Express (4), OneMain Financial (2), Advance America (1), Check 'n Go (1), Lendmark Financial Services (1).
Borrowing $500 for one month: payday vs pawn vs credit union
| Option | How it works | Cost for one month |
|---|---|---|
| Payday loan (~28% APR) | $75.00 fee every 2 weeks, renewed once | $150.00 |
| Pawn loan (example: 20% a month) | You leave an item worth more than the loan; repay to get it back | $100.00 |
| Credit union PAL (28% APR + $20 fee) | Repaid in installments; membership required | $31.67 |
- Payday cost, share of monthly household income in Youngstown
- 3.4%
- Pawn cost, share of monthly household income in Youngstown
- 2.3%
- A $400 emergency equals
- 2.8 days of income
Payday: a typical fee of $75 on a $500 loan for 2 weeks, paid twice for a one-month loan (Ohio payday rules are not set in dollars or payday loans are not allowed). Pawn: an example rate of 20% a month; pawn fees and interest are set by Ohio law and vary by shop — ask for the total in writing. PAL: payday alternative loan from a federal credit union, capped at 28% APR plus an application fee of up to $20.
Pawn loan vs payday loan: the key differences
| Pawn loan | Payday loan in OH | |
|---|---|---|
| What you need | An item of value (jewelry, gold, electronics, tools, firearms) and an ID | A bank account, proof of income and an ID |
| Credit check | None | Usually none |
| How much you get | A fraction of the item's resale value | Based on your income, up to the state limit |
| If you can't repay | The shop keeps the item; no collections and no credit damage | Fees pile up with renewals; the debt can go to collections |
| Bank account access | None | Lender can debit your account or cash your check |
| Rules in Ohio | Pawnbrokers are licensed and regulated by Ohio; fees, terms and holding periods are set by state law | Allowed, up to $1,000; typical APR ~28% |
Youngstown at a glance
- Median household income
- $52,836
- Ohio: $74,030
- Poverty rate
- 22.3%
- Ohio: 13.3%
- Households under $25,000
- 25.3%
- Ohio: 16.4%
- A $400 emergency equals
- 2.8 days of income
Payday and installment loan stores in Youngstown
For comparison: storefront payday, installment and title lenders in Youngstown with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 2550 1/2 Market St Youngstown, OH 44507 | (330) 788-2337 | — | 4.9 |
| 3029 Belmont Ave Youngstown, OH 44505 | (330) 759-0916 | — | 4.9 |
| 3306 Mahoning Ave Youngstown, OH 44509 | (330) 793-6808 | — | 4.9 |
| 4040 Youngstown-Poland Rd Youngstown, OH 44514 | (330) 788-1535 | — | 4.9 |
| 1449 Boardman-Canfield Rd #130 Boardman, OH 44512 | (330) 729-2161 | — | 4.3 |
| 6530 South Ave Ste 5 Youngstown, OH 44512 | (330) 726-0138 | — | 4.2 |
| 1698 S. Raccoon Road, Unit 7 Youngstown, OH 44515 | (330) 270-3583 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat–Sun closed |
— |
| 1600 S Raccoon Rd UNIT 3 Youngstown, OH 44515 | (330) 799-8500 | — | 5.0 |
| 926 Boardman Poland Rd #3 Boardman, OH 44512 | (330) 423-6080 | — | 4.8 |
| 1393 Boardman-Canfield Rd Ste H-1 Boardman, OH 44512 | (330) 333-7246 | — | 4.8 |
Pawn shops near Youngstown
More about Youngstown
Pawn shop listings: © Overture Maps Foundation (CDLA-Permissive 2.0), including Foursquare OS Places and © OpenStreetMap contributors; filtered and de-duplicated by us. Population, income and poverty: U.S. Census Bureau, American Community Survey. Call ahead to confirm hours and what a shop buys or lends on.