Compare legal limits, fees and the true cost of small loans in your state before you talk to any lender. Compare legal limits, fees and the true cost of small loans in your state.
Pawn Shops vs Payday Loans in Denver, CO
37 pawn shops in and around Denver — 3.3 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. Denver ranks #11 of 18 Colorado cities with pawn shops by shops per resident.
- Pawn shops
- 37
- Pawn shops per 100k
- 3.3
- Colorado: 3.1
- Big-chain shops
- 15
- Payday & loan stores
- 23
- Population
- 1,108,441
Pawn shops in Denver: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| All American Pawn | 7950 E Mississippi Ave Ste C Denver, CO 80247 | (303) 369-2274 | allamericanpawn.net |
| Aurora Gold Pawn | 8030 E Mississippi Ave Denver, CO 80247 | (720) 744-0011 | auroragoldbuyer.com |
| Big Daddy's Jewelry And Pawn | 2201 N Broadway Denver, CO 80205 | (303) 297-2274 | bigdaddyspawndenver.com |
| Cash in a Flash Pawn | 11598 W Colfax Ave Lakewood, CO 80215 | (303) 237-2626 | cashinaflashpawn.com |
| Cash in a Flash Pawn | 1842 S Parker Rd Denver, CO 80231 | (303) 337-3535 | cashinaflashpawn.com |
| Cash in a Flash Pawn | 3497 S Wadsworth Blvd Lakewood, CO 80227 | (303) 237-0797 | cashinaflashpawn.com |
| Colorado Gold Mart | 1124 S Colorado Blvd Glendale, CO 80246 | (303) 692-0555 | ebay.com |
| Ez Payday Loans | 8490 Pecos St Federal Heights, CO 80221 | (303) 427-0841 | — |
| EZPAWNChain | 1025 Broadway Denver, CO 80203 | (303) 893-8956 | ezpawn.com |
| EZPAWNChain | 1355 S Sheridan Blvd Lakewood, CO 80232 | (303) 935-7886 | ezpawn.com |
| EZPAWNChain | 2246 Larimer St Denver, CO 80205 | (303) 294-9008 | ezpawn.com |
| EZPAWNChain | 5201 W Colfax Ave Lakewood, CO 80214 | (303) 327-8510 | ezpawn.com |
| EZPAWNChain | 5360 W Alameda Ave Lakewood, CO 80226 | (303) 922-2299 | ezpawn.com |
| EZPAWNChain | 560 Malley Dr Northglenn, CO 80233 | (303) 457-3705 | ezpawn.com |
| EZPAWNChain | 5990 W 44th Ave Wheat Ridge, CO 80212 | (303) 456-0422 | ezpawn.com |
| EZPAWNChain | 7250 Pecos St Denver, CO 80221 | (303) 430-4308 | ezpawn.com |
| EZPAWNChain | 7620 W Colfax Ave Lakewood, CO 80214 | (303) 237-7296 | ezpawn.com |
| EZPAWNChain | 8490 Pecos St Federal Heights, CO 80260 | (303) 650-5411 | ezpawn.com |
| EZPAWNChain | 9052 Federal Blvd Federal Heights, CO 80260 | (303) 427-4404 | ezpawn.com |
| EZPAWNChain | 955 Sheridan Blvd Lakewood, CO 80214 | (303) 274-5535 | ezpawn.com |
| Fast Cash Pawn | 1101 S Sheridan Blvd Lakewood, CO 80232 | (303) 922-2206 | firstcashpawn.com |
| Fast Cash Pawn | 2400 E 88th Ave Denver, CO 80229 | (303) 287-3030 | firstcash.com |
| Fast Cash Pawn | 2551 Sheridan Blvd Edgewater, CO 80214 | (303) 232-7254 | firstcash.com |
| Fast Cash Pawn | 4611 Peoria St Unit E D-2 Denver, CO 80239 | (303) 253-7944 | firstcash.com |
| Fast Cash Pawn & Jewelry | 1023 Federal Blvd Denver, CO 80204 | (303) 893-2353 | firstcash.com |
| Fast Cash Pawn & Jewelry | 7024 W Colfax Ave Lakewood, CO 80214 | (303) 232-1332 | firstcash.com |
| Fast Cash Pawn & Jewelry | 7595 E Iliff Ave Denver, CO 80231 | (303) 695-6644 | firstcash.com |
| First Cash PawnChain | 1227 W 84th Ave A Federal Heights, CO 80260 | (303) 427-1188 | firstcashpawn.com |
| First Cash PawnChain | 9120 Federal Blvd Denver, CO 80260 | (303) 657-9283 | fastcashpawn.com |
| Jewell Pawn & Gun | 7800 W Jewell Ave Unit D Lakewood, CO 80232 | (303) 985-5287 | jewellpawnandgun.business.site |
| Jumping Jack Cash | 301 Wadsworth Blvd Lakewood, CO 80226 | (303) 462-4653 | jumpingjackcash.com |
| Jumping Jack Cash | 5700 Lincoln Dr Denver, CO 80216 | (303) 577-6342 | jumpingjackcash.com |
| Mega Pawn | 5700 Lincoln Dr Denver, CO 80216 | (303) 577-2874 | mega-pawn.com |
| Mountain Pawn | 9699 W Colfax Ave Lakewood, CO 80215 | (303) 232-3300 | — |
| Pawn King | 2260 S Quebec St Denver, CO 80231 | (303) 862-8187 | pawndenver.com |
| Sublime Top Colorado Pawn | 8030 E Mississippi Ave Denver, CO 80247 | (720) 243-7386 | goldbuyerscolorado.com |
| SuperpawnChain | 1716 W 72nd Ave Denver, CO 80221 | (303) 427-8737 | — |
Pawn shops vs payday loan stores in Denver
Denver has 37 pawn shops and 23 payday, installment and title loan stores.
Pawn shops
37
3.3 per 100k residents
Payday & loan stores
23
2.1 per 100k residents
8 store chains
Biggest loan store chains in Denver: ACE Cash Express (8), Check Into Cash (4), Advance America (3), OneMain Financial (3), Moneytree (2).
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 Denver
- 2.0%
- Pawn cost, share of monthly household income in Denver
- 1.3%
- 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 |
Denver at a glance
- Median household income
- $91,058
- Colorado: $97,396
- Poverty rate
- 10.9%
- Colorado: 9.6%
- Households under $25,000
- 12.4%
- Colorado: 11.3%
- A $400 emergency equals
- 1.6 days of income
Payday and installment loan stores in Denver
For comparison: storefront payday, installment and title lenders in Denver with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1509 W 84th Ave #71 Federal Heights, CO 80260 | (303) 429-6357 | — | 4.7 |
| 1595 W 48th Ave Denver, CO 80221 | (303) 458-3620 | — | 4.8 |
| 1600 Champa St Ste 2 Denver, CO 80202 | (303) 893-4337 | — | 4.3 |
| 2061 S Federal Blvd Denver, CO 80219 | (303) 935-8210 | — | 4.8 |
| 320 North Broadway Ste J Denver, CO 80203 | (303) 733-5966 | — | 4.8 |
| 3375 Colorado Blvd Denver, CO 80205 | (303) 355-9379 | — | 4.8 |
| 8590 W Colfax Ave Lakewood, CO 80215 | (303) 232-3073 | — | 4.7 |
| 8800 Washington St Thornton, CO 80229 | (303) 286-1640 | — | 4.5 |
| 11870 Washington St Northglenn, CO 80233 | (720) 929-8945 | — | 4.4 |
| 1550 S Colorado Blvd #101 Denver, CO 80222 | (303) 759-4031 | — | 3.0 |
| 7111 W Alameda Ave Unit J Lakewood, CO 80226 | (303) 238-5999 | — | 4.2 |
| 8411 N Pecos St Federal Heights, CO 80260 | (303) 487-1448 | — | 4.9 |
| 10351 Grant St #8 Thornton, CO 80229 | (303) 254-5748 | — | 4.7 |
| 1557 W 84th Ave Ste. G Denver, CO 80260 | (303) 650-9890 | — | 4.9 |
| 98 Wadsworth Blvd #121 Denver, CO 80226 | (303) 237-2997 | — | 4.6 |
| 12015 E 46th Ave Denver, CO 80239 | (303) 373-0952 | — | 3.1 |
| 1569 Colorado Boulevard Denver, CO 80222 | (303) 282-6611 | — | 3.2 |
| 400 E 84th Ave Ste W210 Thornton, CO 80229 | (303) 235-0673 | — | 3.8 |
| 580 E 120th Ave Northglenn, CO 80233 | (720) 929-8900 | — | 4.6 |
| 6901 W Alameda Ave Lakewood, CO 80226 | (303) 232-6669 | — | 4.4 |
| 1898 S Wadsworth Blvd Lakewood, CO 80232 | (303) 988-3073 | — | 4.7 |
| 550 Thornton Pkwy #182b Thornton, CO 80229 | (303) 252-1314 | — | 3.9 |
| 6501 E Evans Ave Denver, CO 80224 | (303) 685-2274 | — | 4.0 |
Pawn shops near Denver
More about Denver
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.