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Pawn Shops vs Payday Loans in Moreno Valley, CA
3 pawn shops in and around Moreno Valley — 1.4 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. Moreno Valley ranks #85 of 137 California cities with pawn shops by shops per resident.
- Pawn shops
- 3
- Pawn shops per 100k
- 1.4
- California: 1.4
- Big-chain shops
- 0
- Payday & loan stores
- 7
- Population
- 210,879
Pawn shops in Moreno Valley: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Empire Jewelry & Loan | 24571 Sunnymead Boulevard Moreno Valley, CA 92553 | (951) 242-3215 | empireloanandjewelry.com |
| Popular Pawn | 13057 Perris Blvd Moreno Valley, CA 92553 | (951) 488-9054 | — |
| Valley Jewelry & Loan | 24551 Alessandro Blvd Moreno Valley, CA 92553 | (951) 247-6304 | valleyjewelryandloan.com |
Pawn shops vs payday loan stores in Moreno Valley
Moreno Valley has 7 payday, installment and title loan stores but only 3 pawn shops.
Pawn shops
3
1.4 per 100k residents
Payday & loan stores
7
3.3 per 100k residents
5 store chains
Biggest loan store chains in Moreno Valley: ACE Cash Express (3), Advance America (1), Lendmark Financial Services (1), Moneytree (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 Moreno Valley
- 1.2%
- Pawn cost, share of monthly household income in Moreno Valley
- 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% |
Moreno Valley at a glance
- Median household income
- $89,942
- California: $102,369
- Poverty rate
- 11.8%
- California: 12.0%
- Households under $25,000
- 9.6%
- California: 12.7%
- A $400 emergency equals
- 1.6 days of income
Payday and installment loan stores in Moreno Valley
For comparison: storefront payday, installment and title lenders in Moreno Valley with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 12210 Perris Blvd Unit B20 Moreno Valley, CA 92557 | (951) 485-4034 | — | 4.9 |
| 23845 Sunnymead Boulevard A Moreno Valley, CA 92553 | (951) 243-3106 | — | 4.9 |
| 24853 Alessandro Blvd #4a Moreno Valley, CA 92553 | (951) 247-3120 | — | 4.9 |
| 24990 Alessandro Blvd., #C Moreno Valley, CA 92553 | (951) 243-1351 | Mon–Fri 10:00 AM – 6:00 PM Sat 9:00 AM – 1:00 PM Sun closed |
— |
| 12230 Perris Blvd Ste 230-C Moreno Valley, CA 92557 | (951) 419-3535 | — | 4.4 |
| 24440 Alessandro Blvd Moreno Valley, CA 92553 | (951) 243-3876 | — | 4.7 |
| 23901 Sunnymead Boulevard C Moreno Valley, CA 92553 | (951) 485-6960 | — | 3.5 |
Pawn shops near Moreno Valley
More about Moreno Valley
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.