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Pawn Shops vs Payday Loans in Honolulu, HI
12 pawn shops in and around Honolulu — 2.9 per 100,000 residents, compared with 2.1 across Hawaii. Call ahead to ask what they're buying and lending on today: inventory needs change weekly. Honolulu ranks #1 of 5 Hawaii cities with pawn shops by shops per resident.
- Pawn shops
- 12
- Pawn shops per 100k
- 2.9
- Hawaii: 2.1
- Big-chain shops
- 0
- Payday & loan stores
- 3
- Population
- 415,471
Pawn shops in Honolulu: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| A All Hawaii Gold Silver & Pawn Co. | 3426 Waialae Ave Honolulu, HI 96816 | (808) 735-5188 | morganstanley.com |
| A Happy Pawn | 628 N King St Honolulu, HI 96817 | (808) 383-5253 | ahappypawn.com |
| Ala Moana Pawn Shop | 550 Piikoi St Honolulu, HI 96814 | (808) 596-7787 | alamoanabuyandsell.com |
| Aloha Cash And Trade | 1920 Ala Moana Blvd Honolulu, HI 96815 | (808) 673-6000 | alohaanywhere.com |
| Aloha Trade | 1157 N King St Honolulu, HI 96817 | (808) 841-7626 | aceportraitstudio.com |
| Bags End Gold And Pawn | 1676 Kalākaua Ave Honolulu, HI 96826 | (808) 949-5115 | — |
| Gold Hawaii Pawn | 1810 N King St Honolulu, HI 96819 | (808) 841-0601 | mvlhawaii.com |
| Honolulu Pawnshop | 412 Lewers St Honolulu, HI 96815 | (808) 583-3835 | honolulupawnshop.com |
| Honolulu Trading Company | 1108 Pensacola St Honolulu, HI 96814 | (808) 536-9739 | honolulutrading.com |
| Keeaumoku Pawn Shop | 1232 Ke’eaumoku St Honolulu, HI 96814 | (808) 955-3730 | — |
| LG Jewelry and Pawn | 4510 Salt Lake Blvd d2 Honolulu, HI 96818 | (808) 485-2166 | lgpawn.com |
| Waikiki Gold and Silver | 1421 Kalākaua Ave Honolulu, HI 96826 | (808) 861-4653 | instagram.com |
Pawn shops vs payday loan stores in Honolulu
Honolulu has 12 pawn shops and 3 payday, installment and title loan stores.
Pawn shops
12
2.9 per 100k residents
Payday & loan stores
3
0.7 per 100k residents
2 store chains
Biggest loan store chains in Honolulu: loanDepot (2), 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 Hawaii) | $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 Honolulu
- 1.8%
- Pawn cost, share of monthly household income in Honolulu
- 1.2%
- A $400 emergency equals
- 1.5 days of income
Payday: a typical fee of $75 on a $500 loan for 2 weeks, paid twice for a one-month loan (Hawaii 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 Hawaii 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 HI | |
|---|---|---|
| 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 Hawaii | Pawnbrokers are licensed and regulated by Hawaii; fees, terms and holding periods are set by state law | Storefront payday loans are not allowed in Hawaii |
Honolulu at a glance
- Median household income
- $98,737
- Hawaii: $101,448
- Poverty rate
- 10.6%
- Hawaii: 10.0%
- Households under $25,000
- 12.4%
- Hawaii: 11.2%
- A $400 emergency equals
- 1.5 days of income
Payday and installment loan stores in Honolulu
For comparison: storefront payday, installment and title lenders in Honolulu with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 500 Ala Moana Blvd Suite 3-400 Honolulu, HI 96813 | (808) 913-5800 | — | 4.5 |
| 677 Ala Moana Blvd Ste 600 Honolulu, HI 96813 | (808) 800-2208 | — | 4.8 |
| 2320 S King St Honolulu, HI 96826 | (808) 949-2911 | — | 4.4 |
Pawn shops near Honolulu
More about Honolulu
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.