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Pawn Shops vs Payday Loans in Pueblo, CO
13 pawn shops in and around Pueblo — 8.0 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. Pueblo ranks #2 of 18 Colorado cities with pawn shops by shops per resident.
- Pawn shops
- 13
- Pawn shops per 100k
- 8.0
- Colorado: 3.1
- Big-chain shops
- 3
- Payday & loan stores
- 7
- Population
- 161,607
Pawn shops in Pueblo: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| American Jewelry & Pawn | 2625 N Elizabeth St Pueblo, CO 81003 | (719) 542-2274 | ajpawn.com |
| American Jewelry & Pawn South | 1603 S Prairie Ave Pueblo, CO 81005 | (719) 561-2274 | ajpawn.com |
| Burke's Pawn | 110 W 12th St Pueblo, CO 81003 | (719) 542-6148 | burkespawn.com |
| EZPAWNChain | 3000 N Elizabeth St Pueblo, CO 81008 | (719) 543-9403 | ezpawn.com |
| EZPAWNChain | 3130 W Northern Ave Pueblo, CO 81005 | (719) 564-5886 | ezpawn.com |
| First Cash PawnChain | 3850 W Northern Ave Pueblo, CO 81005 | (719) 564-0031 | firstcash.com |
| Menco Jewelry & Loan | 614 W 4th St Pueblo, CO 81003 | (719) 543-4311 | — |
| Mister Money | 1006 Bonforte Blvd Pueblo, CO 81001 | (719) 253-7676 | firstcash.com |
| Mister Money | 420 W 29th St Pueblo, CO 81008 | (719) 583-0180 | firstcash.com |
| Neighborhood Pawn & Sales | 623 W Northern Ave Pueblo, CO 81004 | (719) 621-1411 | — |
| Sharpy's Pawn | 300 N Chester Ave Pueblo, CO 81003 | (719) 544-7296 | sharpyspawn.com |
| Sluders Auto Pawn | 2630 W Pueblo Blvd Pueblo, CO 81004 | (719) 564-5215 | — |
| Top Dollar Pawn | 1301 W 4th St Pueblo, CO 81004 | (719) 545-5626 | topdollarpawn.us |
Pawn shops vs payday loan stores in Pueblo
Pueblo has 13 pawn shops and 7 payday, installment and title loan stores.
Pawn shops
13
8.0 per 100k residents
Payday & loan stores
7
4.3 per 100k residents
6 store chains
Biggest loan store chains in Pueblo: ACE Cash Express (2), Advance America (1), Check Into Cash (1), Lendmark Financial Services (1), OneMain Financial (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 Pueblo
- 2.8%
- Pawn cost, share of monthly household income in Pueblo
- 1.9%
- A $400 emergency equals
- 2.3 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 |
Pueblo at a glance
- Median household income
- $64,477
- Colorado: $97,396
- Poverty rate
- 15.8%
- Colorado: 9.6%
- Households under $25,000
- 19.7%
- Colorado: 11.3%
- A $400 emergency equals
- 2.3 days of income
Payday and installment loan stores in Pueblo
For comparison: storefront payday, installment and title lenders in Pueblo with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 3058 W Northern Ave Pueblo, CO 81005 | (719) 561-4973 | — | 4.6 |
| 604 W 29th St Pueblo, CO 81008 | (719) 543-4517 | — | 4.8 |
| 1633 S Prairie Ave Pueblo, CO 81005 | (719) 561-2336 | — | 4.7 |
| 1743 S Pueblo Blvd Pueblo, CO 81005 | (719) 564-7009 | — | 4.8 |
| 5951 N Elizabeth St Pueblo, CO 81008 | (719) 584-3673 | — | 4.6 |
| 5759 N Elizabeth St #110 Pueblo, CO 81008 | (719) 544-7135 | — | 3.7 |
| 522 N Main St Pueblo, CO 81003 | (719) 766-4500 | — | 4.8 |
Pawn shops near Pueblo
More about Pueblo
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.