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Pawn Shops vs Payday Loans in Escondido, CA
8 pawn shops in and around Escondido — 4.5 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. Escondido ranks #11 of 137 California cities with pawn shops by shops per resident.
- Pawn shops
- 8
- Pawn shops per 100k
- 4.5
- California: 1.4
- Big-chain shops
- 0
- Payday & loan stores
- 5
- Population
- 178,615
Pawn shops in Escondido: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| CashCo Pawn | 431 W 13th Ave Ste D Escondido, CA 92025 | (760) 747-4653 | cashcopawn.com |
| Escondido Coin & Loan | 241 E Grand Ave Escondido, CA 92025 | (760) 745-1697 | escondidocoin.com |
| Frontera Cash and Loan | 609 N Broadway Escondido, CA 92025 | (760) 796-7615 | fronteracashandloan.com |
| Gems N' Loans | 340 W 2nd Ave Escondido, CA 92025 | (760) 747-7117 | gemsnloans.com |
| House of Pawn | 815 S Escondido Blvd Escondido, CA 92025 | (760) 480-1111 | houseofpawnca.com |
| Monte De Piedad | 1151 E Washington Ave Escondido, CA 92025 | (760) 480-5604 | montedepiedad.com |
| North County Loans & Jewelry | 205 W Mission Ave Ste S Escondido, CA 92025 | (760) 747-7696 | — |
| The King's Pawn | 1010 E Valley Pkwy Escondido, CA 92025 | (760) 432-9411 | thefriendlypawnshop.com |
Pawn shops vs payday loan stores in Escondido
Escondido has 8 pawn shops and 5 payday, installment and title loan stores.
Pawn shops
8
4.5 per 100k residents
Payday & loan stores
5
2.8 per 100k residents
4 store chains
Biggest loan store chains in Escondido: Oportun (2), Advance America (1), Lendmark Financial Services (1), OneMain Financial (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 Escondido
- 1.2%
- Pawn cost, share of monthly household income in Escondido
- 0.8%
- A $400 emergency equals
- 1.6 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% |
Escondido at a glance
- Median household income
- $89,254
- California: $102,369
- Poverty rate
- 12.3%
- California: 12.0%
- Households under $25,000
- 14.6%
- California: 12.7%
- A $400 emergency equals
- 1.6 days of income
Payday and installment loan stores in Escondido
For comparison: storefront payday, installment and title lenders in Escondido with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 242 W Mission Ave Ste a Escondido, CA 92025 | (858) 225-4879 | — | 4.9 |
| 608 N Escondido Blvd Escondido, CA 92025 | (866) 488-6090 | — | 5.0 |
| 1221 B E. Valley Parkway Escondido, CA 92027 | (760) 233-2715 | Mon–Fri 10:00 AM – 6:00 PM Sat 9:00 AM – 1:00 PM Sun closed |
— |
| 306 W El Norte Pkwy Ste A Escondido, CA 92026 | (760) 746-3400 | — | 4.4 |
| 1276 Auto Park Way E Escondido, CA 92029 | (760) 737-9608 | — | 3.3 |
Pawn shops near Escondido
More about Escondido
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.