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Pawn Shops vs Payday Loans in North Little Rock, AR
8 pawn shops in and around North Little Rock — 11.5 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. North Little Rock ranks #3 of 11 Arkansas cities with pawn shops by shops per resident.
- Pawn shops
- 8
- Pawn shops per 100k
- 11.5
- Arkansas: 7.4
- Big-chain shops
- 0
- Payday & loan stores
- 1
- Population
- 69,436
Pawn shops in North Little Rock: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| A-1 Gun and Pawn | 9122 Us-165 North Little Rock, AR 72117 | (501) 945-9405 | a1gunpa9405808-431733.hibustudio.com |
| Braswell & Son North Little Rock | 7117 John F Kennedy Blvd North Little Rock, AR 72116 | (501) 302-1299 | store.shopbraswell.com |
| Levy Pawn & Gun | 4401 MacArthur Dr North Little Rock, AR 72118 | (501) 753-7222 | — |
| Lucky's Pawn and Loan | 5121 Warden Rd # A North Little Rock, AR 72116 | (501) 246-4028 | luckyspawn.com |
| McCain Trading | 3600 Ar-161 North Little Rock, AR 72117 | (501) 945-7470 | shop.mccaintradingandloan.com |
| Money Crunch Pawn Shop | 1922 Pike Ave North Little Rock, AR 72114 | (501) 771-2077 | mcrunchsales.webs.com |
| National Pawn Shop | 100 E Washington Ave North Little Rock, AR 72114 | (501) 375-6789 | nationalpawn.com |
| Quick Cash Pawn | 2301 E Broadway St North Little Rock, AR 72114 | (501) 945-4954 | — |
Pawn shops vs payday loan stores in North Little Rock
North Little Rock has 8 pawn shops and 1 payday, installment and title loan stores.
Pawn shops
8
11.5 per 100k residents
Payday & loan stores
1
1.4 per 100k residents
1 store chain
Biggest loan store chains in North Little Rock: ACE Cash Express (1).
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 North Little Rock
- 3.5%
- Pawn cost, share of monthly household income in North Little Rock
- 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 (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 |
North Little Rock at a glance
- Median household income
- $51,874
- Arkansas: $61,012
- Poverty rate
- 21.2%
- Arkansas: 16.2%
- Households under $25,000
- 25.9%
- Arkansas: 20.6%
- A $400 emergency equals
- 2.8 days of income
Payday and installment loan stores in North Little Rock
For comparison: storefront payday, installment and title lenders in North Little Rock with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 3422 Pike Ave North Little Rock, AR 72118 | (501) 771-7544 | — | 4.9 |
Pawn shops near North Little Rock
More about North 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.