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 Yuma, AZ
2 pawn shops in and around Yuma — 1.4 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. Yuma ranks #17 of 21 Arizona cities with pawn shops by shops per resident.
- Pawn shops
- 2
- Pawn shops per 100k
- 1.4
- Arizona: 2.8
- Big-chain shops
- 2
- Payday & loan stores
- 6
- Population
- 146,630
Pawn shops in Yuma: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Cash America PawnChain | 2895 S 4th Ave Yuma, AZ 85364 | (928) 317-2801 | superpawn.com |
| USA PawnChain | 2595 S 4th Ave Yuma, AZ 85364 | (928) 726-2405 | usapawnandjewelry.com |
Pawn shops vs payday loan stores in Yuma
Yuma has 6 payday, installment and title loan stores but only 2 pawn shops.
Pawn shops
2
1.4 per 100k residents
Payday & loan stores
6
4.1 per 100k residents
5 store chains
Biggest loan store chains in Yuma: ACE Cash Express (2), Check Into Cash (1), OneMain Financial (1), TitleMax (1), loanDepot (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 Yuma
- 2.9%
- Pawn cost, share of monthly household income in Yuma
- 2.0%
- A $400 emergency equals
- 2.4 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 |
Yuma at a glance
- Median household income
- $61,182
- Arizona: $81,327
- Poverty rate
- 15.0%
- Arizona: 12.9%
- Households under $25,000
- 18.9%
- Arizona: 13.8%
- A $400 emergency equals
- 2.4 days of income
Payday and installment loan stores in Yuma
For comparison: storefront payday, installment and title lenders in Yuma with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1150 W 8th St D Yuma, AZ 85364 | (928) 783-1780 | — | 5.0 |
| 1630 S Pacific Ave #105 Yuma, AZ 85365 | (928) 329-4298 | — | 4.9 |
| 1651 S 4th Ave Ste A4 Yuma, AZ 85364 | (928) 782-3500 | — | 5.0 |
| 1463 Yuma Palms Pkwy #4 Yuma, AZ 85365 | (928) 373-3171 | — | 3.7 |
| 2780 S Pacific Ave B Yuma, AZ 85365 | (928) 726-6492 | — | 4.9 |
| 2755 S 4th Ave Bldg 3 Suite 101 Yuma, AZ 85364 | (928) 770-7050 | — | 4.9 |
Pawn shops near Yuma
More about Yuma
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.