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Pawn Shops vs Payday Loans in Bakersfield, CA
7 pawn shops in and around Bakersfield — 1.2 per 100,000 residents, compared with 1.4 across California. Call ahead to ask what they're buying and lending on today: inventory needs change weekly. Bakersfield ranks #103 of 137 California cities with pawn shops by shops per resident.
- Pawn shops
- 7
- Pawn shops per 100k
- 1.2
- California: 1.4
- Big-chain shops
- 0
- Payday & loan stores
- 18
- Population
- 589,959
Pawn shops in Bakersfield: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Bakersfield Pawn Shop | 3117 Niles St Bakersfield, CA 93306 | (661) 873-4999 | 661pawnshop.com |
| Bakersfield's Best Pawn | 601 Chester Ave Bakersfield, CA 93301 | (661) 324-5626 | bakersfieldsbestpawn.com |
| Globe Loan Jewelry Co. | 1130 19th St Bakersfield, CA 93301 | (661) 325-3353 | gljco.com |
| Gold and Silver Trading Company | 3124 Union Ave Bakersfield, CA 93305 | (661) 800-5210 | — |
| M.A. Griffin and Sons Pawn Shop | 1234 19th St Bakersfield, CA 93301 | (661) 323-4055 | magriffin.com |
| Quick Cash Pawn Shop | 2305 Chester Ave Bakersfield, CA 93301 | (661) 861-0600 | — |
| Rosedale Pawn | 5831 Rosedale Hwy Bakersfield, CA 93308 | (661) 323-1779 | rosedalepawn.com |
Pawn shops vs payday loan stores in Bakersfield
Bakersfield has 18 payday, installment and title loan stores but only 7 pawn shops.
Pawn shops
7
1.2 per 100k residents
Payday & loan stores
18
3.1 per 100k residents
8 store chains
Biggest loan store chains in Bakersfield: ACE Cash Express (5), OneMain Financial (3), Advance America (2), Check Into Cash (2), Lendmark Financial Services (2).
Borrowing $300 for one month: payday vs pawn vs credit union
| Option | How it works | Cost for one month |
|---|---|---|
| Payday loan (~460% APR) | $45.00 fee every 2 weeks, renewed once | $90.00 |
| Pawn loan (example: 20% a month) | You leave an item worth more than the loan; repay to get it back | $60.00 |
| Credit union PAL (28% APR + $20 fee) | Repaid in installments; membership required | $27.00 |
- Payday cost, share of monthly household income in Bakersfield
- 1.4%
- Pawn cost, share of monthly household income in Bakersfield
- 1.0%
- A $400 emergency equals
- 1.9 days of income
Payday: the CA maximum — $45 on a $300 loan for 2 weeks, paid twice for a one-month loan. Pawn: an example rate of 20% a month; pawn fees and interest are set by California 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. Income: U.S. Census Bureau, American Community Survey.
Pawn loan vs payday loan: the key differences
| Pawn loan | Payday loan in CA | |
|---|---|---|
| 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 California | Pawnbrokers are licensed and regulated by California; fees, terms and holding periods are set by state law | Allowed, up to $300; typical APR ~460% |
Bakersfield at a glance
- Median household income
- $75,352
- California: $102,369
- Poverty rate
- 18.4%
- California: 12.0%
- Households under $25,000
- 16.1%
- California: 12.7%
- A $400 emergency equals
- 1.9 days of income
Payday and installment loan stores in Bakersfield
For comparison: storefront payday, installment and title lenders in Bakersfield with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 2011 Union Ave Bakersfield, CA 93305 | (661) 324-2284 | — | 4.9 |
| 2600 Buck Owens Blvd Bakersfield, CA 93308 | (661) 637-2020 | — | 4.9 |
| 2707 S H St A Bakersfield, CA 93304 | (661) 837-9932 | — | 4.9 |
| 6300 White Ln Bakersfield, CA 93309 | (661) 832-6782 | — | 4.9 |
| 6465 Niles St Bakersfield, CA 93306 | (661) 366-2000 | — | 4.9 |
| 3801 Mall View Rd Bakersfield, CA 93306 | (661) 871-4014 | — | 4.4 |
| 4200 Truxtun Ave #100 Bakersfield, CA 93309 | (661) 833-5560 | — | 4.1 |
| 9680 Hageman Rd Ste d Bakersfield, CA 93312 | (661) 695-4104 | — | 4.2 |
| 2600 Oswell, Space C Bakersfield, CA 93306 | (661) 872-0686 | Mon–Fri 10:00 AM – 6:00 PM Sat 9:00 AM – 1:00 PM Sun closed |
— |
| 3811 Ming Ave. Bakersfield, CA 93309 | (661) 827-8680 | Mon–Fri 10:00 AM – 6:00 PM Sat 9:00 AM – 1:00 PM Sun closed |
— |
| 2350 White Ln Ste B Bakersfield, CA 93304 | (661) 398-8098 | — | 4.8 |
| 4476 Ming Ave Bakersfield, CA 93309 | (661) 831-4534 | — | 4.9 |
| 1525 Columbus St #400 Bakersfield, CA 93305 | (661) 854-5501 | — | 3.7 |
| Stockdale Fashion Plaza Shopping Center, 4905 Stockdale Hwy Bakersfield, CA 93309 | (661) 835-7595 | — | 5.0 |
| 5909 Niles St #2 Bakersfield, CA 93306 | (661) 888-4041 | — | 4.9 |
| Inside Vallarta, 2705 S H St Bakersfield, CA 93304 | (661) 877-9677 | — | 4.9 |
| 3603 Coffee Rd Ste 200 Bakersfield, CA 93308 | (661) 214-5638 | — | 4.7 |
| 1700 K St #220 Bakersfield, CA 93301 | (661) 270-8610 | — | 3.7 |
Pawn shops near Bakersfield
More about Bakersfield
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.