Pawn Shops vs Payday Loans in San Diego, CA

36 pawn shops in and around San Diego — 2.7 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. San Diego ranks #36 of 137 California cities with pawn shops by shops per resident.

Pawn shops

36

Pawn shops per 100k

2.7

California: 1.4

Big-chain shops

1

Payday & loan stores

12

Population

1,330,316

Pawn shops in San Diego: addresses and phone numbers

Pawn shops vs payday loan stores in San Diego

San Diego has 36 pawn shops and 12 payday, installment and title loan stores.

Biggest loan store chains in San Diego: OneMain Financial (3), Advance America (2), Oportun (2), ACE Cash Express (1), Lendmark Financial Services (1).

Borrowing $300 for one month: payday vs pawn vs credit union

Payday cost, share of monthly household income in San Diego

1.0%

Pawn cost, share of monthly household income in San Diego

0.7%

A $400 emergency equals

1.3 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

San Diego at a glance

Median household income

$109,682

California: $102,369

Poverty rate

11.0%

California: 12.0%

Households under $25,000

11.5%

California: 12.7%

A $400 emergency equals

1.3 days of income

Payday and installment loan stores in San Diego

For comparison: storefront payday, installment and title lenders in San Diego with addresses, phone numbers and hours.

Pawn shops near San Diego

• National City · 6
• Spring Valley · 1
• Chula Vista · 4
• El Cajon · 5