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Pawn Shops vs Payday Loans in Chandler, AZ
6 pawn shops in and around Chandler — 2.0 per 100,000 residents, compared with 2.8 across Arizona. Call ahead to ask what they're buying and lending on today: inventory needs change weekly. Chandler ranks #15 of 21 Arizona cities with pawn shops by shops per resident.
- Pawn shops
- 6
- Pawn shops per 100k
- 2.0
- Arizona: 2.8
- Big-chain shops
- 2
- Payday & loan stores
- 7
- Population
- 297,943
Pawn shops in Chandler: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Biltmore Loan And Jewelry - Chandler | 670 N 54th St Chandler, AZ 85226 | (480) 705-5626 | — |
| Chandler Pawn & Jewelry | 792 N Arizona Ave Chandler, AZ 85225 | (480) 963-8885 | thepawnexperts.com |
| Heritage Loan Company | 1099 N Alma School Rd Chandler, AZ 85224 | (480) 786-6567 | linkbio.co |
| Oro Express Chandler Pawn & Gold | 1950 N Arizona Ave Ste 5 Chandler, AZ 85225 | (480) 844-2989 | oroexpresschandler.com |
| SuperpawnChain | 1098 N Arizona Ave Chandler, AZ 85225 | (480) 786-5449 | firstcash.com |
| SuperpawnChain | 3080 N Arizona Ave Chandler, AZ 85225 | (480) 892-0013 | superpawn.com |
Pawn shops vs payday loan stores in Chandler
Chandler has 7 payday, installment and title loan stores but only 6 pawn shops.
Pawn shops
6
2.0 per 100k residents
Payday & loan stores
7
2.3 per 100k residents
5 store chains
Biggest loan store chains in Chandler: ACE Cash Express (2), TitleMax (2), CASH 1 Loans (1), Mariner Finance (1), OneMain Financial (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 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 Chandler
- 1.7%
- Pawn cost, share of monthly household income in Chandler
- 1.1%
- A $400 emergency equals
- 1.4 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 |
Chandler at a glance
- Median household income
- $106,231
- Arizona: $81,327
- Poverty rate
- 7.8%
- Arizona: 12.9%
- Households under $25,000
- 8.5%
- Arizona: 13.8%
- A $400 emergency equals
- 1.4 days of income
Payday and installment loan stores in Chandler
For comparison: storefront payday, installment and title lenders in Chandler with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 2095 N Alma School Rd Ste 13 Chandler, AZ 85224 | (480) 963-7826 | — | 5.0 |
| 777 N Arizona Ave #1 Chandler, AZ 85225 | (480) 786-4316 | — | 4.9 |
| 835 N Arizona Ave Chandler, AZ 85225 | (480) 214-4706 | — | 5.0 |
| 851 S Arizona Ave Chandler, AZ 85225 | (480) 855-3255 | — | 4.9 |
| 985 W Elliot Rd Unit 7 Chandler, AZ 85225 | (480) 571-8660 | — | 4.9 |
| 4040 W Ray Rd Chandler, AZ 85226 | (602) 704-3963 | — | 4.6 |
| 5865 W Ray Rd #9 Chandler, AZ 85226 | (480) 428-6100 | — | 3.1 |
Pawn shops near Chandler
More about Chandler
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.