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Pawn Shops vs Payday Loans in Fresno, CA
9 pawn shops in and around Fresno — 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. Fresno ranks #81 of 137 California cities with pawn shops by shops per resident.
- Pawn shops
- 9
- Pawn shops per 100k
- 1.5
- California: 1.4
- Big-chain shops
- 0
- Payday & loan stores
- 17
- Population
- 620,656
Pawn shops in Fresno: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Auto Pawn of Fresno | 922 Van Ness Ave Fresno, CA 93721 | (559) 264-7296 | — |
| Deans Pawning & Instant Cash / Deans Coins | 2325 E McKinley Ave Fresno, CA 93703 | (559) 264-4653 | deanscoinsandpawning.com |
| Federal Jewelry & Loan Inc | 1902 Tulare St Fresno, CA 93721 | (559) 237-3421 | federaljewelryandloan.com |
| Fresno Coin Gallery Jewelry & Loan | 4616 N Blackstone Ave Fresno, CA 93726 | (559) 222-2646 | fresnocoin.com |
| Fresno Coin Jewelry and Loan | 2016 Tulare St Fresno, CA 93721 | (559) 485-7296 | fresnocoin.com |
| Fresno Hock Shoppe | 3235 E Belmont Ave Fresno, CA 93702 | (559) 264-5856 | fresnohockshop.com |
| Majestic Jewelry & Loan Co | 1924 Tulare St Fresno, CA 93721 | (559) 266-1138 | majesticpawn.com |
| Pawn Doggie | 3235 E Belmont Ave Fresno, CA 93702 | (559) 374-0784 | fresnohockshop.com |
| PDM-La Segunda | 322 E Belmont Ave Fresno, CA 93701 | (559) 268-7373 | pdmauctions.com |
Pawn shops vs payday loan stores in Fresno
Fresno has 17 payday, installment and title loan stores but only 9 pawn shops.
Pawn shops
9
1.5 per 100k residents
Payday & loan stores
17
2.7 per 100k residents
7 store chains
Biggest loan store chains in Fresno: ACE Cash Express (5), Advance America (3), OneMain Financial (3), Lendmark Financial Services (2), Oportun (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 Fresno
- 1.5%
- Pawn cost, share of monthly household income in Fresno
- 1.0%
- A $400 emergency equals
- 2.1 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% |
Fresno at a glance
- Median household income
- $70,478
- California: $102,369
- Poverty rate
- 20.4%
- California: 12.0%
- Households under $25,000
- 19.6%
- California: 12.7%
- A $400 emergency equals
- 2.1 days of income
Payday and installment loan stores in Fresno
For comparison: storefront payday, installment and title lenders in Fresno with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 2425 E McKinley Ave Fresno, CA 93703 | (559) 495-6598 | — | 4.9 |
| 3241 W Shaw Ave Fresno, CA 93711 | (559) 225-8400 | — | 4.9 |
| 432 E Bullard Ave Fresno, CA 93710 | (559) 438-8881 | — | 4.9 |
| 4796 Cesar Chavez Blvd Fresno, CA 93702 | (559) 454-5858 | — | 4.9 |
| 785 E Shaw Ave Fresno, CA 93710 | (559) 221-5545 | — | 4.9 |
| 3249 W. Shaw Ave., Unit 103 Fresno, CA 93711 | (559) 271-7668 | Mon–Fri 10:00 AM – 6:00 PM Sat 9:00 AM – 1:00 PM Sun closed |
— |
| 5054 N. Blackstone Ave., Ste. 102 Fresno, CA 93710 | (559) 227-5041 | Mon–Fri 10:00 AM – 6:00 PM Sat 9:00 AM – 1:00 PM Sun closed |
— |
| 5650 #103 E. Kings Canyon Rd. Fresno, CA 93727 | (559) 252-0649 | Mon–Fri 10:00 AM – 6:00 PM Sat 9:00 AM – 1:00 PM Sun closed |
— |
| 3367 W Shaw Ave Ste 2 Fresno, CA 93711 | (559) 515-4442 | — | 4.0 |
| 6061 E Kings Canyon Rd #107 Fresno, CA 93727 | (559) 252-1926 | — | 4.3 |
| 7430 N Fresno St Fresno, CA 93720 | (559) 432-1695 | — | 4.1 |
| 3140 W Shaw Ave Suite 109 Suite 109 Fresno, CA 93711 | (559) 274-1752 | — | 3.6 |
| 8076 N Cedar Ave Fresno, CA 93720 | (559) 703-2022 | — | 5.0 |
| 3850 N Cedar Ave Fresno, CA 93726 | (559) 201-6371 | — | 4.8 |
| 4817 E Butler Ave Fresno, CA 93727 | (559) 827-4687 | — | 4.1 |
| 5247 E Kings Canyon Rd #105 Fresno, CA 93727 | (559) 252-9272 | — | 5.0 |
| 7060 N Fresno St #250 Fresno, CA 93720 | (559) 432-2727 | — | 4.5 |
Pawn shops near Fresno
More about Fresno
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.