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Pawn Shops vs Payday Loans in Colorado Springs, CO
27 pawn shops in and around Colorado Springs — 4.4 per 100,000 residents, compared with 3.1 across Colorado. Call ahead to ask what they're buying and lending on today: inventory needs change weekly. Colorado Springs ranks #6 of 18 Colorado cities with pawn shops by shops per resident.
- Pawn shops
- 27
- Pawn shops per 100k
- 4.4
- Colorado: 3.1
- Big-chain shops
- 11
- Payday & loan stores
- 15
- Population
- 613,448
Pawn shops in Colorado Springs: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Ace Loans Pawn Shop | 3688 N Academy Blvd Colorado Springs, CO 80917 | (719) 574-1767 | — |
| Ace Loans Pawnshop | 2339 Platte Pl Colorado Springs, CO 80909 | (719) 632-1558 | aceloans.com |
| Acme Pawn East | 4064 Palmer Park Blvd Colorado Springs, CO 80909 | (719) 638-4461 | acmepawns.com |
| Acme Pawn North | 3955 N Academy Blvd Colorado Springs, CO 80917 | (719) 596-0722 | acmepawns.com |
| Acme Pawn Original | 2311 E Platte Ave Colorado Springs, CO 80909 | (719) 633-2579 | acmepawns.com |
| Acme Super Pawn | 427 N Chelton Rd Colorado Springs, CO 80909 | (719) 633-8787 | acmepawns.com |
| Altitude Pawn | 3308 Austin Bluffs Pkwy Colorado Springs, CO 80918 | (719) 344-9970 | altitudepawn.com |
| Cash America PawnChain | 2205 Montebello Square Dr Colorado Springs, CO 80918 | (719) 528-8534 | cashamerica.us |
| Colorado Coin Galleries | 3910 Maizeland Rd Colorado Springs, CO 80909 | (719) 597-8887 | — |
| EZPAWNChain | 1230 N Academy Blvd Colorado Springs, CO 80909 | (719) 314-3640 | ezpawn.com |
| EZPAWNChain | 1502 S Nevada Ave Colorado Springs, CO 80905 | (719) 633-9558 | ezpawn.com |
| EZPAWNChain | 1654 S Circle Dr Colorado Springs, CO 80910 | (719) 634-3252 | ezpawn.com |
| EZPAWNChain | 1995 B St Colorado Springs, CO 80906 | (719) 576-0226 | ezpawn.com |
| EZPAWNChain | 410 E Fillmore St Colorado Springs, CO 80907 | (719) 578-8994 | ezpawn.com |
| EZPAWNChain | 484 N Murray Blvd Colorado Springs, CO 80916 | (719) 574-9855 | ezpawn.com |
| EZPAWNChain | 5506 N Academy Blvd Colorado Springs, CO 80918 | (719) 314-0633 | ezpawn.com |
| First Cash PawnChain | 1891 S Academy Blvd Colorado Springs, CO 80916 | (719) 392-2300 | firstcash.com |
| First Cash PawnChain | 3255 E Platte Ave Colorado Springs, CO 80909 | (719) 578-0657 | firstcash.com |
| First Cash PawnChain | 348 Main Street Security, CO 80911 | — | — |
| Kash's Pawn and Tool | 2346 E Platte Ave Colorado Springs, CO 80909 | (719) 636-0017 | kashs.com |
| Lets Make A Deal Pawn & Gun | 4860 Vanadium Dr Colorado Springs, CO 80918 | (719) 260-0725 | — |
| Mister Money | 348 Main St Colorado Springs, CO 80911 | (719) 390-8706 | firstcash.com |
| Pikes Peak Pawn | 519 N 30th St Colorado Springs, CO 80904 | (719) 896-4960 | pikespeakpawn.com |
| The Spot Pawn Shop | 804 E Fillmore St Colorado Springs, CO 80907 | (719) 465-3668 | thespotpawnshop.com |
| Top Dollar Pawn | 275 S Academy Blvd Colorado Springs, CO 80910 | (719) 302-7296 | topdollargold.net |
| Top Dollar Pawn | 6385 N Academy Blvd Colorado Springs, CO 80918 | (719) 272-7296 | topdollarpawn.us |
| Zap's Pawn & Loan | 409 S Circle Dr Colorado Springs, CO 80910 | (719) 596-8669 | — |
Pawn shops vs payday loan stores in Colorado Springs
Colorado Springs has 27 pawn shops and 15 payday, installment and title loan stores.
Pawn shops
27
4.4 per 100k residents
Payday & loan stores
15
2.4 per 100k residents
7 store chains
Biggest loan store chains in Colorado Springs: ACE Cash Express (5), OneMain Financial (3), Check Into Cash (2), Lendmark Financial Services (2), Advance America (1).
Borrowing $500 for one month: payday vs pawn vs credit union
| Option | How it works | Cost for one month |
|---|---|---|
| Payday loan (not legal in Colorado) | $75.00 fee every 2 weeks, renewed once | $150.00 |
| Pawn loan (example: 20% a month) | You leave an item worth more than the loan; repay to get it back | $100.00 |
| Credit union PAL (28% APR + $20 fee) | Repaid in installments; membership required | $31.67 |
- Payday cost, share of monthly household income in Colorado Springs
- 2.0%
- Pawn cost, share of monthly household income in Colorado Springs
- 1.4%
- A $400 emergency equals
- 1.6 days of income
Payday: a typical fee of $75 on a $500 loan for 2 weeks, paid twice for a one-month loan (Colorado payday rules are not set in dollars or payday loans are not allowed). Pawn: an example rate of 20% a month; pawn fees and interest are set by Colorado 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.
Pawn loan vs payday loan: the key differences
| Pawn loan | Payday loan in CO | |
|---|---|---|
| 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 Colorado | Pawnbrokers are licensed and regulated by Colorado; fees, terms and holding periods are set by state law | Storefront payday loans are not allowed in Colorado |
Colorado Springs at a glance
- Median household income
- $88,733
- Colorado: $97,396
- Poverty rate
- 9.0%
- Colorado: 9.6%
- Households under $25,000
- 10.7%
- Colorado: 11.3%
- A $400 emergency equals
- 1.6 days of income
Payday and installment loan stores in Colorado Springs
For comparison: storefront payday, installment and title lenders in Colorado Springs with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1406 S Nevada Ave Colorado Springs, CO 80905 | (719) 634-4268 | — | 4.5 |
| 2064 S Academy Blvd Colorado Springs, CO 80916 | (719) 597-6447 | — | 4.9 |
| 3014 N Nevada Ave Colorado Springs, CO 80907 | (719) 632-8701 | — | 4.6 |
| 3925 N Academy Blvd Colorado Springs, CO 80917 | (719) 596-1166 | — | 4.9 |
| 893 N Academy Blvd Colorado Springs, CO 80909 | (719) 574-2341 | — | 4.6 |
| 1736 W Uintah St Colorado Springs, CO 80904 | (719) 471-9179 | — | 3.5 |
| 4124 Austin Bluffs Pkwy Colorado Springs, CO 80918 | (719) 574-7600 | — | 3.3 |
| 8540 Scarborough Dr Ste 150 Colorado Springs, CO 80920 | (719) 394-3526 | — | 2.6 |
| 3659-36 Austin Bluffs Pkwy Colorado Springs, CO 80918 | (719) 598-8579 | — | 3.8 |
| 542 S Academy Blvd Colorado Springs, CO 80910 | (719) 550-3290 | — | 4.6 |
| 5689 N Academy Blvd Colorado Springs, CO 80918 | (719) 598-6362 | — | 3.5 |
| 6512 S Academy Blvd Suite 100 Colorado Springs, CO 80906 | (719) 368-4249 | — | 4.7 |
| 1029 N Academy Blvd Colorado Springs, CO 80909 | (719) 573-2696 | — | 4.9 |
| 1508 N Academy Blvd Colorado Springs, CO 80909 | (719) 591-0081 | — | 4.6 |
| 7222 Commerce Center Dr Ste 170 Colorado Springs, CO 80919 | (719) 358-5880 | — | 4.7 |
Pawn shops near Colorado Springs
More about Colorado Springs
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.