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Pawn Shops vs Payday Loans in Modesto, CA
4 pawn shops in and around Modesto — 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. Modesto ranks #78 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
- 10
- Population
- 268,575
Pawn shops in Modesto: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Brooks Pawn and Jewelry Inc | 1501 Coffee Rd Ste f Modesto, CA 95355 | (209) 575-0786 | brookspawn.com |
| Disco Azteca | 1321 Crows Landing Rd Modesto, CA 95351 | (209) 527-6172 | aztecamex.com |
| The Pawn Shop | 1335 Yosemite Blvd Modesto, CA 95354 | (209) 551-7296 | pawnmodesto.org |
| The Pawn Shop | 1612 Oakdale Rd Modesto, CA 95355 | (209) 551-7296 | modestopawnshop.com |
Pawn shops vs payday loan stores in Modesto
Modesto has 10 payday, installment and title loan stores but only 4 pawn shops.
Pawn shops
4
1.5 per 100k residents
Payday & loan stores
10
3.7 per 100k residents
6 store chains
Biggest loan store chains in Modesto: ACE Cash Express (4), Lendmark Financial Services (2), Advance America (1), Mariner Finance (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 Modesto
- 1.4%
- Pawn cost, share of monthly household income in Modesto
- 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% |
Modesto at a glance
- Median household income
- $75,955
- California: $102,369
- Poverty rate
- 14.0%
- California: 12.0%
- Households under $25,000
- 14.6%
- California: 12.7%
- A $400 emergency equals
- 1.9 days of income
Payday and installment loan stores in Modesto
For comparison: storefront payday, installment and title lenders in Modesto with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1320 Standiford Ave Ste 8 Modesto, CA 95350 | (209) 572-2900 | — | 4.9 |
| 2508 Oakdale Rd Ste C3 Modesto, CA 95355 | (209) 551-7911 | — | 4.9 |
| 2800 McHenry Ave Suite 3, Ground Floor Modesto, CA 95350 | (209) 718-4313 | — | 4.9 |
| 420 H St Modesto, CA 95351 | (209) 526-8900 | — | 4.8 |
| 2101 Sylvan Ave #102 Modesto, CA 95355 | (209) 524-5014 | — | 5.0 |
| 2225 Plaza Pkwy Ste M4-B Modesto, CA 95350 | (209) 284-3100 | — | 4.7 |
| 2401 E. Orangeburg Ave., Ste. 170 Modesto, CA 95355 | (209) 579-1508 | Mon–Fri 10:00 AM – 6:00 PM Sat 9:00 AM – 1:00 PM Sun closed |
— |
| 3501 McHenry Ave Ste D10 Modesto, CA 95356 | (209) 215-2255 | — | 4.8 |
| 2900 Standiford Ave Ste 12 Modesto, CA 95350 | (209) 522-3247 | — | 3.8 |
| 1620 Crows Landing Rd G Modesto, CA 95358 | (209) 263-0773 | — | 4.9 |
Pawn shops near Modesto
More about Modesto
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.