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Pawn Shops vs Payday Loans in Sacramento, CA
15 pawn shops in and around Sacramento — 1.8 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. Sacramento ranks #65 of 137 California cities with pawn shops by shops per resident.
- Pawn shops
- 15
- Pawn shops per 100k
- 1.8
- California: 1.4
- Big-chain shops
- 0
- Payday & loan stores
- 14
- Population
- 846,557
Pawn shops in Sacramento: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Action Loan & Pawn | 3130 Fulton Ave Sacramento, CA 95821 | (916) 487-5626 | action-loan-pawn.hub.biz |
| Buy Sell Trade It All | 5725 Stockton Blvd Sacramento, CA 95824 | (916) 456-7296 | pawnsacramento.net |
| Capital City L&J El Camino | 3409 El Camino Ave Sacramento, CA 95821 | (916) 487-2274 | capitalcityloan.com |
| Capital City Loan & Jewelry | 2385 Fruitridge Rd Sacramento, CA 95822 | (916) 421-2475 | capitalcityloan.com |
| Capital City Loan & Jewelry | 5656 Auburn Blvd Sacramento, CA 95841 | (855) 438-7296 | capitalcityloan.com |
| Capital City Loan and Jewelry | 7214 Florin Mall Dr Sacramento, CA 95823 | (916) 737-5100 | capitalcityloanjewelry.com |
| Capital City Loan and Jewelry | 9717 Folsom Blvd Sacramento, CA 95827 | (916) 822-5669 | capitalcityloan.com |
| Card City | 2600 Alta Arden Expy Sacramento, CA 95825 | (916) 333-1476 | cardcity.com |
| Gold-N-Pawn | 6618 Florin Rd Sacramento, CA 95828 | (916) 399-9011 | goldcrownins.net |
| Loyalty Pawn | 1708 Broadway Sacramento, CA 95818 | (916) 304-7296 | loyaltypawn.com |
| Loyalty Pawn | 3409 El Camino Ave Sacramento, CA 95821 | (916) 304-7296 | loyaltypawn.com |
| Loyalty Pawn | 7214 Florin Mall Dr Sacramento, CA 95823 | (916) 304-7296 | loyaltypawn.com |
| North City Jewelry & Loan | 2105 Del Paso Blvd Sacramento, CA 95815 | (916) 925-3404 | northcityloans.com |
| North City Pawn | 2105 Del Paso Blvd Sacramento, CA 95815 | (916) 510-1839 | northcitypawn.com |
| Western Loan & Jewelry | 1524 Del Paso Blvd Sacramento, CA 95815 | (916) 568-6669 | capitalcityloan.com |
Pawn shops vs payday loan stores in Sacramento
Sacramento has 15 pawn shops and 14 payday, installment and title loan stores.
Pawn shops
15
1.8 per 100k residents
Payday & loan stores
14
1.7 per 100k residents
5 store chains
Biggest loan store chains in Sacramento: ACE Cash Express (6), Advance America (2), Lendmark Financial Services (2), OneMain Financial (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 Sacramento
- 1.3%
- Pawn cost, share of monthly household income in Sacramento
- 0.9%
- A $400 emergency equals
- 1.8 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% |
Sacramento at a glance
- Median household income
- $80,674
- California: $102,369
- Poverty rate
- 15.6%
- California: 12.0%
- Households under $25,000
- 15.7%
- California: 12.7%
- A $400 emergency equals
- 1.8 days of income
Payday and installment loan stores in Sacramento
For comparison: storefront payday, installment and title lenders in Sacramento with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 2202 El Camino Ave Sacramento, CA 95821 | (916) 646-9413 | — | 4.2 |
| 4110 Norwood Ave Ste 400 Sacramento, CA 95838 | (916) 567-1143 | — | 4.9 |
| 4341 Elkhorn Blvd Sacramento, CA 95842 | (916) 348-2990 | — | 4.8 |
| 5227 Elkhorn Blvd Sacramento, CA 95842 | (916) 331-0545 | — | 4.9 |
| 6510 Florin Rd Sacramento, CA 95828 | (916) 964-7773 | — | 4.8 |
| 6640 Valley Hi Dr Ste A2 Sacramento, CA 95823 | (916) 688-1002 | — | 4.7 |
| 1510-C West El Camino Ave. Sacramento, CA 95833 | (916) 569-1508 | Mon–Fri 10:00 AM – 6:00 PM Sat 9:00 AM – 1:00 PM Sun closed |
— |
| 4573 Mack Road Sacramento, CA 95823 | (916) 395-6375 | Mon–Fri 10:00 AM – 6:00 PM Sat 9:00 AM – 1:00 PM Sun closed |
— |
| 3711 Truxel Rd #2 Sacramento, CA 95834 | (916) 244-8188 | — | 4.2 |
| 8250 Calvine Rd Ste B Sacramento, CA 95828 | (916) 689-2657 | — | 4.7 |
| 3336 Bradshaw Rd #160 Sacramento, CA 95827 | (916) 971-8800 | — | 4.1 |
| 3541 N Freeway Blvd Ste 105 Sacramento, CA 95834 | (916) 419-2681 | — | 4.3 |
| 4215 Norwood Ave Ste 01B Sacramento, CA 95838 | (916) 226-9802 | — | 4.5 |
| 4940 Stockton Blvd Sacramento, CA 95820 | (916) 226-9749 | — | 4.9 |
Pawn shops near Sacramento
More about Sacramento
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.