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Pawn Shops vs Payday Loans in Flagstaff, AZ
6 pawn shops in and around Flagstaff — 6.3 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. Flagstaff ranks #3 of 21 Arizona cities with pawn shops by shops per resident.
- Pawn shops
- 6
- Pawn shops per 100k
- 6.3
- Arizona: 2.8
- Big-chain shops
- 2
- Payday & loan stores
- 3
- Population
- 95,135
Pawn shops in Flagstaff: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Flagstaff Pawn | 2340 E Rte 66 Flagstaff, AZ 86004 | (928) 440-5296 | flagstaffpawn.com |
| Flagstaff Pawn | 306 E Route 66 Flagstaff, AZ 86001 | (928) 890-8812 | flagstaffpawn.com |
| Ponderosa Pawn & Trading | 2300 N Fourth St Flagstaff, AZ 86004 | (928) 779-5725 | ponderosapawn.com |
| Ponderosa Pawn & Trading Co. | 118 W Route 66 Flagstaff, AZ 86001 | (928) 779-5725 | ponderosapawn.com |
| SuperpawnChain | 2500 S Woodlands Village Blvd Ste 13-17 Flagstaff, AZ 86001 | (928) 226-1112 | superpawn.com |
| SuperpawnChain | 2916 E Route 66 Flagstaff, AZ 86004 | (928) 527-0881 | firstcash.com |
Pawn shops vs payday loan stores in Flagstaff
Flagstaff has 6 pawn shops and 3 payday, installment and title loan stores.
Pawn shops
6
6.3 per 100k residents
Payday & loan stores
3
3.2 per 100k residents
3 store chains
Biggest loan store chains in Flagstaff: OneMain Financial (1), Speedy Cash (1), TitleMax (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 Flagstaff
- 2.5%
- Pawn cost, share of monthly household income in Flagstaff
- 1.7%
- A $400 emergency equals
- 2.0 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 |
Flagstaff at a glance
- Median household income
- $72,152
- Arizona: $81,327
- Poverty rate
- 18.4%
- Arizona: 12.9%
- Households under $25,000
- 17.9%
- Arizona: 13.8%
- A $400 emergency equals
- 2.0 days of income
Payday and installment loan stores in Flagstaff
For comparison: storefront payday, installment and title lenders in Flagstaff with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1000 N Humphreys St Ste 126 Flagstaff, AZ 86001 | (928) 214-9550 | — | 3.5 |
| 1426 E Rte 66 Ste 102-B Flagstaff, AZ 86001 | (928) 213-1731 | — | 4.8 |
| 418 E Rte 66 Flagstaff, AZ 86001 | (928) 213-0440 | — | 4.9 |
Pawn shops near Flagstaff
More about Flagstaff
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.