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Pawn Shops vs Payday Loans in Phoenix, AZ
54 pawn shops in and around Phoenix — 3.7 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. Phoenix ranks #8 of 21 Arizona cities with pawn shops by shops per resident.
- Pawn shops
- 54
- Pawn shops per 100k
- 3.7
- Arizona: 2.8
- Big-chain shops
- 17
- Payday & loan stores
- 58
- Population
- 1,454,993
Pawn shops in Phoenix: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| A To Z Pawns | 1818 W Bell Rd Phoenix, AZ 85023 | (602) 866-0980 | phoenixpawns.com |
| Action Pawn | 6104 N 27th Ave Phoenix, AZ 85017 | (602) 246-8070 | ez-moneypawn.com |
| Alpha Pawn & Jewelry | 9017 N Cave Creek Rd Phoenix, AZ 85020 | (602) 944-2030 | alphapawnbrokers.com |
| Arizona Gold Exchange | 16026 N Cave Creek Rd Ste 6 & 7 Phoenix, AZ 85032 | (602) 493-7777 | arizonagoldexchange.com |
| Arizona Jewelry And Pawnbrokers | 1804 W Camelback Rd Ste 2 Phoenix, AZ 85015 | (602) 246-0760 | — |
| Arrow Pawn & Jewelry | 2706 W Thomas Rd Phoenix, AZ 85017 | (602) 269-9873 | arrowpawn.com |
| Aztec Pawn | 1950 W Indian School Road; Suite B-117B Phoenix, AZ 85015 | — | — |
| Aztec Pawn & Gold | 2020 N 75th Ave Phoenix, AZ 85035 | (623) 849-0900 | superpages.mydex.com |
| Aztec Pawn & Gold | 36 E Baseline Rd Phoenix, AZ 85042 | (602) 243-0900 | aztecpawn.com |
| Bancless Loans | 16026 N Cave Creek Rd Phoenix, AZ 85032 | (602) 569-3333 | bancless.com |
| Baseline Pawn Loans | 695 W Baseline Rd #103 Phoenix, AZ 85041 | (602) 872-7272 | baselinepawn.com |
| Bell Road Pawn | Bell Road Phoenix, AZ 85032 | (602) 765-2274 | phoenixpawns.com |
| Central Pawn | 4420 N Central Ave Phoenix, AZ 85012 | (602) 352-8600 | centralpawn.com |
| EZ Money Pawn | 2848 E Bell Rd Ste 102 Phoenix, AZ 85032 | (602) 493-5138 | ez-moneypawn.com |
| EZ Money Pawn | 8943 N 43rd Ave Phoenix, AZ 85051 | (623) 934-2525 | ez-moneypawn.com |
| Freeport-mcmoran | 333 N Central Ave Ste 100 Phoenix, AZ 85004 | (602) 366-8100 | freeportmcmoran.dejobs.org |
| Herdez Jewelers & Pawn | 7035 S Central Ave Phoenix, AZ 85042 | (602) 268-0700 | herdezpawn.com |
| Hernandez Jewelers & Pawn | 3428 S Central Ave Phoenix, AZ 85040 | (602) 276-6933 | hernandezpawn.com |
| Mo Money Pawn Shop | 1152 E Indian School Rd Phoenix, AZ 85014 | (602) 279-4417 | mo-money-pawn-shop.myshopify.com |
| Nine Lives Auction | 2510 E Bell Rd Ste. 1 Phoenix, AZ 85032 | (602) 867-0226 | ninelivesauction.com |
| North Phoenix Pawn | 10620 N 19th Ave Ste A Phoenix, AZ 85029 | (602) 395-1370 | northphoenixpawn.com |
| Pawn 1St | 2619 W. Glendale Ave, Unit 1A Phoenix, AZ 85051 | — | — |
| Pawn 1St | 2848 E. Bell Road, Ste 101-103 Phoenix, AZ 85032 | — | — |
| Pawn Daddy | 2511 W Indian School Rd Phoenix, AZ 85017 | (602) 277-7296 | pawncorp.com |
| Pawn Now | 14601 N Cave Creek Rd Phoenix, AZ 85022 | (602) 765-4444 | pawnnowaz.com |
| Pawn Now | 691 W Baseline Rd Phoenix, AZ 85041 | (602) 276-1664 | pawnnowaz.com |
| Pawn1st | 16810 N 19th Ave Phoenix, AZ 85023 | (480) 535-2222 | firstcash.com |
| Pawn1st | 2415 E McDowell Rd Phoenix, AZ 85008 | (602) 275-5996 | pawn1st.com |
| Pawn1st | 25 W Baseline Rd Phoenix, AZ 85041 | (602) 276-6088 | pawn1st.com |
| Pawn1st | 2710 W Bethany Home Rd Phoenix, AZ 85017 | (602) 246-1234 | firstcash.com |
| Pawn1st | 550 W Bell Rd Ste 100 Phoenix, AZ 85023 | (602) 688-7428 | firstcash.com |
| Pawn1st | 9825 N Metro Pkwy E Phoenix, AZ 85051 | (602) 857-8597 | 800loanmart.com |
| Phoenix Pawn & Gold | 2803 W Van Buren St Phoenix, AZ 85009 | (602) 272-3449 | phoenixpawnandgold.com |
| Regal Pawn | 3217 E Shea Blvd #1 Phoenix, AZ 85028 | (602) 820-3363 | regalpawn.com |
| SuperpawnChain | 1075 N 51st Ave Ste 106 Phoenix, AZ 85043 | (602) 424-9100 | firstcash.com |
| SuperpawnChain | 1602 E Indian School Rd Phoenix, AZ 85016 | (602) 277-5050 | cashamerica.com |
| SuperpawnChain | 2320 E Bell Rd Phoenix, AZ 85022 | (602) 992-0428 | superpawn.com |
| SuperpawnChain | 2701 W Glendale Ave Ste 3 Phoenix, AZ 85051 | (602) 242-0005 | firstcash.com |
| SuperpawnChain | 2930 N 24th St Ste 100 Phoenix, AZ 85016 | (602) 954-7961 | firstcash.com |
| SuperpawnChain | 300 W Mcdowell Rd Phoenix, AZ 85003 | (602) 258-1111 | superpawn.com |
| SuperpawnChain | 3460 Grand Ave Phoenix, AZ 85017 | (602) 230-9443 | superpawn.com |
| SuperpawnChain | 3501 S Central Ave Phoenix, AZ 85040 | (602) 276-3500 | superpawn.com |
| SuperpawnChain | 3850 W Indian School Rd Phoenix, AZ 85019 | (602) 424-9000 | firstcash.com |
| SuperpawnChain | 4234 W Northern Ave Phoenix, AZ 85051 | (623) 934-5411 | firstcash.com |
| SuperpawnChain | 4301 W McDowell Rd Phoenix, AZ 85035 | (602) 455-0001 | firstcash.com |
| SuperpawnChain | 4620 E McDowell Rd Phoenix, AZ 85008 | (602) 225-2947 | firstcash.com |
| SuperpawnChain | 5120 W Indian School Rd Phoenix, AZ 85031 | (623) 385-7854 | superpawn.com |
| SuperpawnChain | 6540 W Indian School Rd Phoenix, AZ 85033 | (623) 846-8188 | superpawn.com |
| SuperpawnChain | 9316 N Central Ave Phoenix, AZ 85020 | (602) 997-9661 | firstcash.com |
| TNT Pawn | 2511 W Indian School Rd Phoenix, AZ 85017 | (702) 221-7296 | tntpawn.com |
| TNT Pawn and Jewelry | 1950 W Indian School Rd Phoenix, AZ 85015 | (602) 277-7296 | tntpawn.com |
| USA PawnChain | 3046 North 16th Street Phoenix, AZ 85016 | (602) 813-3777 | usapawnandjewelry.com |
| USA PawnChain | 5259 W Indian School Rd Phoenix, AZ 85031 | (623) 873-7491 | usapawnandjewelry.com |
| Windy City Pawn Shop | 302 W Indian School Rd Phoenix, AZ 85013 | (602) 265-2897 | arizonapawngroup.com |
Pawn shops vs payday loan stores in Phoenix
Phoenix has 58 payday, installment and title loan stores but only 54 pawn shops.
Pawn shops
54
3.7 per 100k residents
Payday & loan stores
58
4.0 per 100k residents
9 store chains
Biggest loan store chains in Phoenix: TitleMax (26), ACE Cash Express (8), CASH 1 Loans (7), Speedy Cash (6), Oportun (4).
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 Phoenix
- 2.4%
- Pawn cost, share of monthly household income in Phoenix
- 1.6%
- A $400 emergency equals
- 1.9 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 |
Phoenix at a glance
- Median household income
- $76,394
- Arizona: $81,327
- Poverty rate
- 15.2%
- Arizona: 12.9%
- Households under $25,000
- 14.1%
- Arizona: 13.8%
- A $400 emergency equals
- 1.9 days of income
Payday and installment loan stores in Phoenix
For comparison: storefront payday, installment and title lenders in Phoenix with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1617 E Thomas Rd Phoenix, AZ 85016 | (602) 200-9677 | — | 4.9 |
| 1702 W Bell Rd Phoenix, AZ 85023 | (602) 358-2314 | — | 5.0 |
| 1951 W Indian School Rd Phoenix, AZ 85015 | (602) 282-3174 | — | 5.0 |
| 2270 N 75th Ave Ste 112 Phoenix, AZ 85035 | (623) 255-3441 | — | 4.9 |
| 2311 W Glendale Ave Phoenix, AZ 85021 | (602) 242-9750 | — | 5.0 |
| 2401 E Bell Rd Phoenix, AZ 85032 | (602) 404-9929 | — | 5.0 |
| 3020 W Van Buren St Phoenix, AZ 85009 | (602) 233-9084 | — | 5.0 |
| 3201 E Thomas Rd #104 Phoenix, AZ 85018 | (602) 282-0584 | — | 5.0 |
| 3236 E McDowell Rd Phoenix, AZ 85008 | (602) 281-7714 | — | 4.9 |
| 3331 W Union Hills Dr Phoenix, AZ 85027 | (602) 298-9541 | — | 4.9 |
| 340 E Baseline Rd Phoenix, AZ 85042 | (602) 232-2627 | — | 4.9 |
| 3449 W Southern Ave Phoenix, AZ 85041 | (602) 276-6042 | — | 5.0 |
| 3514 W Cactus Rd Phoenix, AZ 85029 | (602) 298-9959 | — | 5.0 |
| 3514 W Glendale Ave Ste 1-A Phoenix, AZ 85051 | (602) 242-9183 | — | 5.0 |
| 3549 W Thomas Rd Phoenix, AZ 85019 | (602) 233-9103 | — | 5.0 |
| 3605 E Bell Rd Phoenix, AZ 85032 | (602) 765-4556 | — | 5.0 |
| 4130 N 83rd Ave Ste 1 Phoenix, AZ 85033 | (623) 245-9545 | — | 5.0 |
| 4218 W Bethany Home Rd Phoenix, AZ 85019 | (623) 282-3266 | — | 5.0 |
| 4255 W Bell Rd Phoenix, AZ 85053 | (602) 314-8170 | — | 5.0 |
| 4707 E Bell Rd Ste C-1 Phoenix, AZ 85032 | (602) 404-9404 | — | 5.0 |
| 4855 E Warner Rd Ste A 14 Phoenix, AZ 85044 | (480) 496-9690 | — | 4.9 |
| 5102 W Thomas Rd Phoenix, AZ 85031 | (623) 846-8123 | — | 4.9 |
| 5369 W Indian School Rd Phoenix, AZ 85031 | (623) 245-9657 | — | 5.0 |
| 5835 S Central Ave Phoenix, AZ 85040 | (602) 232-2052 | — | 5.0 |
| 7419 W Indian School Rd Phoenix, AZ 85033 | (623) 207-6060 | — | 5.0 |
| 7435 W Lower Buckeye Rd suite 106 Phoenix, AZ 85043 | (623) 478-0602 | — | 5.0 |
| 15249 N 32nd St Phoenix, AZ 85032 | (602) 482-4650 | — | 4.9 |
| 2716 W Indian School Rd Phoenix, AZ 85017 | (602) 230-2886 | — | 4.9 |
| 2835 N 16th St Ste 6 Phoenix, AZ 85006 | (602) 248-8088 | — | 4.9 |
| 3343 W Peoria Ave Ste 8 Phoenix, AZ 85029 | (602) 548-1180 | — | 4.9 |
| 3458 W Van Buren St Phoenix, AZ 85009 | (602) 272-7323 | — | 4.8 |
| 6402 S Central Ave Phoenix, AZ 85042 | (602) 243-7588 | — | 4.9 |
| 8225 W Indian School Rd Ste 106 Phoenix, AZ 85033 | (623) 245-3424 | — | 5.0 |
| 9401 N Cave Creek Rd Phoenix, AZ 85020 | (602) 331-0745 | — | 4.9 |
| 1728 W Bell Rd Phoenix, AZ 85023 | (602) 298-0394 | — | 4.9 |
| 2415 E Thomas Rd #2 Phoenix, AZ 85016 | (602) 955-8800 | — | 4.9 |
| 2539 E Bell Rd Phoenix, AZ 85032 | (602) 996-4781 | — | 4.9 |
| 4246 W Northern Ave Phoenix, AZ 85051 | (623) 939-4300 | — | 4.9 |
| 4735 E Southern Ave Phoenix, AZ 85042 | (602) 454-1300 | — | 4.9 |
| 5050 W McDowell Rd Phoenix, AZ 85035 | (602) 362-1664 | — | 4.9 |
| 549 W Thomas Rd Phoenix, AZ 85013 | (602) 277-8673 | — | 4.9 |
| 1551 E Indian School Rd Phoenix, AZ 85014 | (602) 351-2274 | — | 4.9 |
| 1841 W Northern Ave Phoenix, AZ 85021 | (602) 395-9400 | — | 4.9 |
| 3501 W Glendale Ave Phoenix, AZ 85051 | (602) 973-2274 | — | 4.9 |
| 3520 E Bell Rd Phoenix, AZ 85032 | (602) 404-2274 | — | 4.9 |
| 4040 N 40th St Phoenix, AZ 85018 | (602) 956-3802 | — | 4.9 |
| 5819 W Camelback Rd Phoenix, AZ 85031 | (623) 845-1911 | — | 4.9 |
| 1610 N 75th Ave Phoenix, AZ 85035 | (602) 282-8041 | — | 4.7 |
| 3130 E Thomas Rd Phoenix, AZ 85016 | (623) 565-9110 | — | 4.9 |
| 5127 W Indian School Rd Phoenix, AZ 85031 | (602) 281-8606 | — | 4.9 |
| 5869 S Central Ave Phoenix, AZ 85040 | (602) 281-8563 | — | 4.9 |
| 3434 W Greenway Rd #116 Phoenix, AZ 85053 | (602) 298-9436 | — | 3.9 |
| 401 E Bell Rd Unit 21 Phoenix, AZ 85022 | (602) 938-4315 | — | 3.4 |
| 4501 E Thomas Rd #104 Phoenix, AZ 85018 | (480) 429-3741 | — | 3.8 |
| 5415 E High St #425 Phoenix, AZ 85054 | (602) 699-6530 | — | 4.6 |
| 7878 N 16th St #160 Phoenix, AZ 85020 | (602) 612-7950 | — | 5.0 |
| 9130 W Thomas Road Suite A-103, Algodon Center Phoenix, AZ 85037 | (623) 849-0804 | — | 4.4 |
| 10405 N 31st Ave Ste. D103 Phoenix, AZ 85051 | (480) 690-8272 | — | 4.9 |
Pawn shops near Phoenix
More about Phoenix
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.