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Pawn Shops vs Payday Loans in Chula Vista, CA
4 pawn shops in and around Chula Vista — 1.5 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. Chula Vista ranks #79 of 137 California cities with pawn shops by shops per resident.
- Pawn shops
- 4
- Pawn shops per 100k
- 1.5
- California: 1.4
- Big-chain shops
- 0
- Payday & loan stores
- 8
- Population
- 272,064
Pawn shops in Chula Vista: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Express Pawn Shop | 1294 3rd Ave Chula Vista, CA 91911 | (619) 420-0022 | expresspawn.com |
| Monte de Piedad | 1044 Broadway Chula Vista, CA 91911 | (619) 941-2125 | montedepiedad.com |
| Monte De Piedad® Pawn Shop | 1120 Third Ave Chula Vista, CA 91911 | (619) 425-0035 | montedepiedad.com |
| The Pawnshop Chula Vista | 389 Broadway Chula Vista, CA 91910 | (619) 426-4442 | thepawnshopchulavista.com |
Pawn shops vs payday loan stores in Chula Vista
Chula Vista has 8 payday, installment and title loan stores but only 4 pawn shops.
Pawn shops
4
1.5 per 100k residents
Payday & loan stores
8
2.9 per 100k residents
8 store chains
Biggest loan store chains in Chula Vista: ACE Cash Express (1), Advance America (1), Lendmark Financial Services (1), Mariner Finance (1), Moneytree (1).
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 Chula Vista
- 1.0%
- Pawn cost, share of monthly household income in Chula Vista
- 0.7%
- A $400 emergency equals
- 1.4 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% |
Chula Vista at a glance
- Median household income
- $105,230
- California: $102,369
- Poverty rate
- 8.5%
- California: 12.0%
- Households under $25,000
- 10.7%
- California: 12.7%
- A $400 emergency equals
- 1.4 days of income
Payday and installment loan stores in Chula Vista
For comparison: storefront payday, installment and title lenders in Chula Vista with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 325 Palomar St Chula Vista, CA 91911 | (619) 585-0742 | — | 4.9 |
| 792 & 790 Broadway Chula Vista, CA 91910 | (619) 409-1596 | Mon–Fri 10:00 AM – 6:00 PM Sat 9:00 AM – 1:00 PM Sun closed |
— |
| 545 Telegraph Canyon Rd Chula Vista, CA 91910 | (619) 421-1717 | — | 3.9 |
| 20 Third Ave #200 Chula Vista, CA 91910 | (619) 600-5018 | — | 4.8 |
| 1111 Broadway Ste 308 Chula Vista, CA 91911 | (619) 426-6669 | — | 4.8 |
| 520 Broadway #4 Chula Vista, CA 91910 | (619) 213-1245 | — | 3.1 |
| 1355 Broadway Ste E Chula Vista, CA 91911 | (619) 493-4679 | — | 4.7 |
| 2080 Otay Lakes Rd Ste 101 Chula Vista, CA 91913 | (619) 245-0115 | — | 3.5 |
Pawn shops near Chula Vista
More about Chula Vista
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.