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 Arizona
206 pawn shops in 37 cities and towns across Arizona. Pick a city for the full list with addresses and phone numbers, or scroll down for the smaller towns.
Arizona has about 7,269,790 residents, so that's 2.8 pawn shops per 100,000 people (U.S.: 2.7). For comparison, there are 2.8 payday, installment and title loan stores per 100,000 people in Arizona.
- Pawn shops
- 206
- Cities & towns
- 37
- Pawn shops per 100k
- 2.8
- Loan stores
- 204
- List a phone
- 97.1%
- Have a website
- 90.3%
Pawn shops vs payday loan stores in Arizona
Arizona has 206 pawn shops and 204 payday, installment and title loan stores.
Pawn shops
206
2.8 per 100k residents
Payday & loan stores
204
2.8 per 100k residents
10 store chains
Biggest loan store chains in Arizona: TitleMax (71), ACE Cash Express (32), OneMain Financial (22), CASH 1 Loans (16), Check Into Cash (16).
Borrowing $500 for one month: payday vs pawn vs credit union
| Option | How it works | Cost for one month |
|---|---|---|
| Payday loan (not legal in Arizona) | $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 Arizona
- 2.2%
- Pawn cost, share of monthly household income in Arizona
- 1.5%
- A $400 emergency equals
- 1.8 days of income
Payday: a typical fee of $75 on a $500 loan for 2 weeks, paid twice for a one-month loan (Arizona 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 Arizona 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 AZ | |
|---|---|---|
| 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 Arizona | Pawnbrokers are licensed and regulated by Arizona; fees, terms and holding periods are set by state law | Storefront payday loans are not allowed in Arizona |
Pawn shops by city in Arizona
Where pawn shops cluster in Arizona
Cities ranked by pawn shops per 100,000 residents, with local median household income and poverty rate. Statewide: 2.8 per 100k, median income $81,327.
| City | Pawn shops | Per 100k people | Median income | Poverty rate |
|---|---|---|---|---|
| Casa Grande | 6 | 8.4 | $65,830 | 14.5% |
| Kingman | 5 | 8.3 | $56,059 | 17.4% |
| Flagstaff | 6 | 6.3 | $72,152 | 18.4% |
| Scottsdale | 15 | 5.1 | $115,722 | 7.1% |
| Prescott | 3 | 4.6 | $73,005 | 11.3% |
| Mesa | 23 | 4.2 | $79,612 | 10.7% |
| Tucson | 35 | 3.8 | $68,599 | 15.1% |
| Phoenix | 54 | 3.7 | $76,394 | 15.2% |
| Apache Junction | 2 | 3.6 | $61,396 | 10.7% |
| Lake Havasu City | 2 | 3.2 | $67,195 | 13.6% |
| Maricopa | 2 | 2.8 | $91,465 | 7.7% |
| Tempe | 5 | 2.6 | $79,956 | 16.8% |
| Glendale | 8 | 2.6 | $77,179 | 14.6% |
| Peoria | 5 | 2.5 | $100,799 | 8.4% |
| Chandler | 6 | 2.0 | $106,231 | 7.8% |
Pawn shop chains in Arizona
56 of the 206 pawn shops in Arizona belong to a big chain; the rest are independent.
- Superpawn 34
- USA Pawn 18
- Cash America Pawn 2
- Pawn Plus 2
Pawn shops in smaller towns of Arizona
Other cities and towns in Arizona with pawn shops, and the number of shops in each.
- Bullhead City 3
- Cottonwood 1
- Fort Mohave 1
- Globe 1
- Green Valley 1
- Holbrook 1
- Nogales 1
- Paradise Valley 1
- Pinetop 1
- Prescott Valley 1
- Rillito 1
- Safford 1
- Sierra Vista 3
- Sun City 2
- Winslow 1
- Youngtown 1
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.