Compare legal limits, fees and the true cost of small loans in your state before you talk to any lender. Compare legal limits, fees and the true cost of small loans in your state.
Pawn Shops vs Payday Loans in Little Rock, AR
13 pawn shops in and around Little Rock — 5.9 per 100,000 residents, compared with 7.4 across Arkansas. Call ahead to ask what they're buying and lending on today: inventory needs change weekly. Little Rock ranks #7 of 11 Arkansas cities with pawn shops by shops per resident.
- Pawn shops
- 13
- Pawn shops per 100k
- 5.9
- Arkansas: 7.4
- Big-chain shops
- 3
- Payday & loan stores
- 3
- Population
- 218,724
Pawn shops in Little Rock: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| All Season's Pawn & Loan | 14910 Arch St Little Rock, AR 72206 | (501) 888-6700 | allseasonsfeeders.com |
| Arch Street Pawn | 11602 Arch St Little Rock, AR 72206 | (501) 888-3131 | archstreetpawnshop.com |
| Baseline Pawn Shop | 3510 Baseline Rd Little Rock, AR 72209 | (501) 570-0570 | — |
| Big Daddy's Pawn Shop | 2523 W 12th St Little Rock, AR 72202 | (501) 375-6445 | landersgold.com |
| Braswell & Son Pawn Brokers | 9101 W Markham St Ste 24 Little Rock, AR 72205 | (501) 228-7296 | braswellandson.com |
| Braswell & Son Pawnbrokers | 8302 Baseline Rd Little Rock, AR 72209 | (501) 537-2274 | — |
| Braswell & Son Rodney Parham | 11108 N Rodney Parham Rd Little Rock, AR 72212 | (501) 562-5626 | store.shopbraswell.com |
| La Familia Pawn and JewelryChain | 3700 South University Avenue Little Rock, AR 72204 | (501) 565-1373 | lafamiliapawn.com |
| La Familia Pawn and JewelryChain | 8601 W Markham St Little Rock, AR 72205 | (501) 615-8118 | bollweevilpawn.com |
| La Familia Pawn and JewelryChain | 8610 Geyer Springs Rd Little Rock, AR 72209 | (501) 562-0117 | lafamiliapawn.com |
| Pacer Ltd | 1123 S University Ave Ste 101 Little Rock, AR 72204 | (501) 666-2883 | pacerltd.com |
| Pawnderosa Pawn Shop | 6416 Colonel Glenn Rd Ste 4 Little Rock, AR 72204 | (501) 568-7296 | pawnderosapawn.com |
| USA Loans Pawn Shop | 5925 S University Ave Little Rock, AR 72209 | (501) 565-0011 | usaloansinc.com |
Pawn shops vs payday loan stores in Little Rock
Little Rock has 13 pawn shops and 3 payday, installment and title loan stores.
Pawn shops
13
5.9 per 100k residents
Payday & loan stores
3
1.4 per 100k residents
1 store chain
Biggest loan store chains in Little Rock: ACE Cash Express (3).
Borrowing $500 for one month: payday vs pawn vs credit union
| Option | How it works | Cost for one month |
|---|---|---|
| Payday loan (not legal in Arkansas) | $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 Little Rock
- 2.7%
- Pawn cost, share of monthly household income in Little Rock
- 1.8%
- A $400 emergency equals
- 2.2 days of income
Payday: a typical fee of $75 on a $500 loan for 2 weeks, paid twice for a one-month loan (Arkansas 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 Arkansas 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 AR | |
|---|---|---|
| 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 Arkansas | Pawnbrokers are licensed and regulated by Arkansas; fees, terms and holding periods are set by state law | Storefront payday loans are not allowed in Arkansas |
Little Rock at a glance
- Median household income
- $66,098
- Arkansas: $61,012
- Poverty rate
- 16.3%
- Arkansas: 16.2%
- Households under $25,000
- 19.3%
- Arkansas: 20.6%
- A $400 emergency equals
- 2.2 days of income
Payday and installment loan stores in Little Rock
For comparison: storefront payday, installment and title lenders in Little Rock with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1100 E Roosevelt Rd Little Rock, AR 72206 | (501) 372-4886 | — | 4.9 |
| 6416 Colonel Glenn Rd Little Rock, AR 72204 | (501) 562-2274 | — | 4.8 |
| 7508 Geyer Springs Rd Little Rock, AR 72209 | (501) 562-4807 | — | 4.9 |
Pawn shops near Little Rock
More about Little Rock
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.