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Pawn Shops vs Payday Loans in Mesa, AZ
23 pawn shops in and around Mesa — 4.2 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. Mesa ranks #6 of 21 Arizona cities with pawn shops by shops per resident.
- Pawn shops
- 23
- Pawn shops per 100k
- 4.2
- Arizona: 2.8
- Big-chain shops
- 8
- Payday & loan stores
- 23
- Population
- 550,266
Pawn shops in Mesa: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Alma School Pawn and Gold | 752 S Alma School Rd Mesa, AZ 85210 | (480) 644-7932 | almaschoolpawn.com |
| B & B Pawn and Gold | 1107 E Main St Mesa, AZ 85203 | (480) 610-1240 | bandbloan.com |
| B and B Pawn and Guns | 1107 E Main St Mesa, AZ 85203 | (480) 391-9640 | bandbpawnandguns.com |
| Cash America PawnChain | 221 W Main St Mesa, AZ 85201 | (480) 400-9493 | cashinaflashpawn.com |
| Cash Pawn Store | 2620 W Baseline Rd Mesa, AZ 85202 | (480) 428-8259 | — |
| Gold Pawn Brokers | 1444 E Main St Mesa, AZ 85203 | (480) 644-0622 | goldgunpawnbrokersmesa.com |
| Liberty Pawn & The Jewelry Buyers | 22 N Dobson Rd Mesa, AZ 85201 | (480) 844-1845 | libertypawnaz.com |
| Oro Express Mesa Pawn & Gold | 421 E Broadway Rd Mesa, AZ 85204 | (480) 610-8009 | oemesapawnshop.com |
| Pawn Now | 1145 S Mesa Dr Mesa, AZ 85210 | (480) 668-1009 | pawnnowaz.com |
| Pawn Now | 361 S Lindsay Rd Mesa, AZ 85204 | (480) 777-7771 | pawnnowaz.com |
| Pawn Now | 8151 E Apache Trail Mesa, AZ 85207 | (480) 964-6666 | pawnnowaz.com |
| Pawn1st | 2050 W Guadalupe Rd Ste 15 Mesa, AZ 85202 | (480) 777-1027 | pawn1st.com |
| Pawn1st | 450 N Country Club Dr Mesa, AZ 85201 | (480) 962-8888 | pawn1st.com |
| Private Pawn | 1055 E Main St Mesa, AZ 85203 | (480) 493-3333 | pawnprivate.com |
| Route 66 Pawn and Gun | 1734 E Main St Mesa, AZ 85203 | (480) 464-4444 | mesapawn.net |
| SuperpawnChain | 221 W Main St Mesa, AZ 85201 | (480) 962-5691 | superpawn.com |
| SuperpawnChain | 2860 E Main St Ste 108 Mesa, AZ 85213 | (480) 325-3228 | firstcash.com |
| SuperpawnChain | 303 E Southern Ave Ste 109 Mesa, AZ 85210 | (480) 833-7055 | firstcash.com |
| SuperpawnChain | 500 W Southern Ave Mesa, AZ 85210 | (480) 889-3511 | superpawn.com |
| SuperpawnChain | 740 E Main St Mesa, AZ 85203 | (480) 668-8227 | firstcash.com |
| SuperpawnChain | 740 W Main St Mesa, AZ 85201 | (480) 668-8227 | — |
| The Pawn Man | 555 N Country Club Dr Mesa, AZ 85201 | (480) 964-1664 | thepawnman.com |
| USA PawnChain | 1954 W Broadway Rd Mesa, AZ 85202 | (480) 610-0011 | usapawnandjewelry.com |
Pawn shops vs payday loan stores in Mesa
Mesa has 23 pawn shops and 23 payday, installment and title loan stores.
Pawn shops
23
4.2 per 100k residents
Payday & loan stores
23
4.2 per 100k residents
7 store chains
Biggest loan store chains in Mesa: TitleMax (9), CASH 1 Loans (4), ACE Cash Express (3), Speedy Cash (3), OneMain Financial (2).
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 Mesa
- 2.3%
- Pawn cost, share of monthly household income in Mesa
- 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 |
Mesa at a glance
- Median household income
- $79,612
- Arizona: $81,327
- Poverty rate
- 10.7%
- Arizona: 12.9%
- Households under $25,000
- 12.0%
- Arizona: 13.8%
- A $400 emergency equals
- 1.8 days of income
Payday and installment loan stores in Mesa
For comparison: storefront payday, installment and title lenders in Mesa with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1205 E Broadway Rd Mesa, AZ 85204 | (480) 214-7820 | — | 4.9 |
| 1423 S Country Club Dr #15 Mesa, AZ 85210 | (480) 253-4121 | — | 4.9 |
| 1954 W Broadway Rd #110 Mesa, AZ 85202 | (480) 214-6040 | — | 5.0 |
| 2103 W Guadalupe Rd Mesa, AZ 85202 | (480) 491-5853 | — | 4.9 |
| 2801 E Main St Mesa, AZ 85213 | (480) 981-8240 | — | 4.9 |
| 6749 E University Dr Mesa, AZ 85205 | (480) 253-4824 | — | 4.9 |
| 6920 E Baseline Rd Ste 101 Mesa, AZ 85209 | (480) 214-7833 | — | 5.0 |
| 715 E McKellips Rd Mesa, AZ 85203 | (480) 969-5549 | — | 5.0 |
| 9205 E Apache Trail Mesa, AZ 85207 | (480) 380-4766 | — | 4.9 |
| 1203 W University Dr Mesa, AZ 85201 | (480) 833-0674 | — | 4.9 |
| 1214 W Baseline Rd Mesa, AZ 85202 | (480) 576-8080 | — | 5.0 |
| 4355 E University Dr #111 Mesa, AZ 85205 | (480) 588-2278 | — | 4.9 |
| 455 N Country Club Dr Mesa, AZ 85201 | (480) 962-8775 | — | 4.8 |
| 6750 E Main St #103 Mesa, AZ 85205 | (480) 830-0946 | — | 4.9 |
| 758 S Alma School Rd Unit 412 Mesa, AZ 85210 | (480) 844-7944 | — | 5.0 |
| 760 N Country Club Dr Mesa, AZ 85201 | (480) 649-7946 | — | 4.9 |
| 1215 S Country Club Dr Mesa, AZ 85210 | (480) 844-2274 | — | 4.9 |
| 1242 W Main St Mesa, AZ 85201 | (480) 464-2274 | — | 4.9 |
| 1960 W Baseline Rd #101 Mesa, AZ 85202 | (480) 755-1110 | — | 4.9 |
| 454 N Lindsay Rd A8 Mesa, AZ 85213 | (480) 834-0815 | — | 3.7 |
| 7115 E Baseline Rd #109 Mesa, AZ 85209 | (480) 360-2958 | — | 3.7 |
| 6620 E McKellips Rd Ste 103 Mesa, AZ 85215 | (480) 608-5600 | — | 5.0 |
| 1118 E Southern Ave Mesa, AZ 85204 | (480) 795-5481 | — | 4.4 |
Pawn shops near Mesa
More about Mesa
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.