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Pawn Shops vs Payday Loans in Lancaster, CA
7 pawn shops in and around Lancaster — 3.6 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. Lancaster ranks #20 of 137 California cities with pawn shops by shops per resident.
- Pawn shops
- 7
- Pawn shops per 100k
- 3.6
- California: 1.4
- Big-chain shops
- 0
- Payday & loan stores
- 6
- Population
- 194,781
Pawn shops in Lancaster: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| All American Pawn Shop | 42212 10th St W #2b Lancaster, CA 93534 | (661) 267-6777 | allamericanpawnshop.com |
| All City Pawn Shop | 623 W Ave J Lancaster, CA 93534 | (661) 949-8899 | davidpellegrino.com |
| Linda's Pawn Shop & Botanica | 1446 W Ave I Lancaster, CA 93534 | (661) 723-9544 | — |
| Platinum Jewelry and Loan | 44617 Sierra Hwy Lancaster, CA 93534 | (661) 729-5500 | platinumjewelryloan.com |
| Rick's Antelope Valley Pawn Shop | 673 W Ave I Lancaster, CA 93534 | (661) 949-7707 | ricksavpawnshop.com |
| Superior Pawn | 1233 W Ave I Lancaster, CA 93534 | (661) 942-4990 | superiorpawnshop.com |
| Trading Post Loan company Inc | 44601 Sierra Hwy Lancaster, CA 93534 | (661) 945-1477 | jakesctp.com |
Pawn shops vs payday loan stores in Lancaster
Lancaster has 7 pawn shops and 6 payday, installment and title loan stores.
Pawn shops
7
3.6 per 100k residents
Payday & loan stores
6
3.1 per 100k residents
5 store chains
Biggest loan store chains in Lancaster: ACE Cash Express (2), Advance America (1), OneMain Financial (1), Speedy Cash (1), loanDepot (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 Lancaster
- 1.4%
- Pawn cost, share of monthly household income in Lancaster
- 0.9%
- 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% |
Lancaster at a glance
- Median household income
- $78,104
- California: $102,369
- Poverty rate
- 15.3%
- California: 12.0%
- Households under $25,000
- 16.5%
- California: 12.7%
- A $400 emergency equals
- 1.9 days of income
Payday and installment loan stores in Lancaster
For comparison: storefront payday, installment and title lenders in Lancaster with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1821 W Ave I Ste 109 Lancaster, CA 93534 | (661) 942-9373 | — | 4.9 |
| 43458 10th St W #104 Lancaster, CA 93534 | (661) 940-1641 | — | 4.8 |
| 1234 West Avenue K, Space E-1 Lancaster, CA 93534 | (661) 945-2101 | Mon–Fri 10:00 AM – 6:00 PM Sat 9:00 AM – 1:00 PM Sun closed |
— |
| 43530 10th St W #107 Lancaster, CA 93534 | (661) 524-7881 | — | 3.3 |
| 1029 W Ave I Lancaster, CA 93534 | (661) 723-6342 | — | 4.8 |
| 42455 10th St W Ste 108-109 Lancaster, CA 93534 | (661) 202-1700 | — | 5.0 |
Pawn shops near Lancaster
More about Lancaster
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.