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Pawn Shops vs Payday Loans in National City, CA
6 pawn shops in and around National City — 10.5 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. National City ranks #2 of 137 California cities with pawn shops by shops per resident.
- Pawn shops
- 6
- Pawn shops per 100k
- 10.5
- California: 1.4
- Big-chain shops
- 0
- Payday & loan stores
- 2
- Population
- 57,173
Pawn shops in National City: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Express Pawn Shop & Money Exchange | 1050 Highland Ave National City, CA 91950 | (619) 474-5566 | expresspawn.com |
| Monte De Piedad Pawn Shop | 2720 E Plaza Blvd National City, CA 91950 | (619) 475-7500 | montedepiedad.com |
| Monte de Piedad Pawn Shop | 604 Highland Ave National City, CA 91950 | (619) 336-1776 | montedepiedad.com |
| Roberto's Jewelry and Pawn | 560 Highland Ave National City, CA 91950 | (619) 474-2222 | robertosjewelryandpawn.com |
| Simon and Simon Jewelry and Loan | 139 E 8th St National City, CA 91950 | (619) 477-6404 | simonandsimonpawn.com |
| We Lend More | 133 E 8th St National City, CA 91950 | (619) 477-1267 | welendmoreinc.com |
Pawn shops vs payday loan stores in National City
National City has 6 pawn shops and 2 payday, installment and title loan stores.
Pawn shops
6
10.5 per 100k residents
Payday & loan stores
2
3.5 per 100k residents
2 store chains
Biggest loan store chains in National City: Advance America (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 National City
- 1.7%
- Pawn cost, share of monthly household income in National City
- 1.1%
- A $400 emergency equals
- 2.3 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% |
National City at a glance
- Median household income
- $63,858
- California: $102,369
- Poverty rate
- 14.3%
- California: 12.0%
- Households under $25,000
- 19.5%
- California: 12.7%
- A $400 emergency equals
- 2.3 days of income
Payday and installment loan stores in National City
For comparison: storefront payday, installment and title lenders in National City with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 2240 E. Plaza Blvd., Ste. H National City, CA 91950 | (619) 470-9828 | Mon–Fri 10:00 AM – 6:00 PM Sat 9:00 AM – 1:00 PM Sun closed |
— |
| 1722 Sweetwater Rd F National City, CA 91950 | (619) 474-7949 | — | 3.1 |
Pawn shops near National City
More about National City
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.