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 Boise, ID
8 pawn shops in and around Boise — 3.0 per 100,000 residents, compared with 3.4 across Idaho. Call ahead to ask what they're buying and lending on today: inventory needs change weekly. Boise ranks #5 of 9 Idaho cities with pawn shops by shops per resident.
- Pawn shops
- 8
- Pawn shops per 100k
- 3.0
- Idaho: 3.4
- Big-chain shops
- 0
- Payday & loan stores
- 14
- Population
- 265,704
Pawn shops in Boise: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Boise Pawn | 6465 W Fairview Ave #107 Boise, ID 83704 | (833) 264-7296 | boisepawn.com |
| Buckhorn Gun & Pawn | 6601 W Ustick Rd Boise, ID 83704 | (208) 377-2535 | buckhornguns.com |
| First National Pawn | 919 N Orchard St Boise, ID 83706 | (208) 658-0472 | firstnationalpawn.com |
| Idaho Pawn & Gold by Sam's Locker | 10250 W Fairview Ave Boise, ID 83704 | (208) 615-8714 | pawnidaho.com |
| Pawn 1 | 11405 W Fairview Ave Boise, ID 83713 | (208) 319-7296 | pawn1.com |
| Pawn 1 Maple Grove | 1450 S Maple Grove Rd Boise, ID 83709 | (208) 258-8900 | pawn1.com |
| Respawn Games | 4654 S Cole Rd Boise, ID 83709 | (208) 899-7620 | respawnidaho.com |
| Vista Pawn | 503 S Vista Ave Boise, ID 83705 | (208) 342-3352 | vistapawn.com |
Pawn shops vs payday loan stores in Boise
Boise has 14 payday, installment and title loan stores but only 8 pawn shops.
Pawn shops
8
3.0 per 100k residents
Payday & loan stores
14
5.3 per 100k residents
8 store chains
Biggest loan store chains in Boise: Dollar Loan Center (5), Moneytree (2), Security Finance (2), Cash Store (1), Check 'n Go (1).
Borrowing $500 for one month: payday vs pawn vs credit union
| Option | How it works | Cost for one month |
|---|---|---|
| Payday loan (~652%+ APR) | $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 Boise
- 2.1%
- Pawn cost, share of monthly household income in Boise
- 1.4%
- A $400 emergency equals
- 1.7 days of income
Payday: a typical fee of $75 on a $500 loan for 2 weeks, paid twice for a one-month loan (Idaho 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 Idaho 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 ID | |
|---|---|---|
| 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 Idaho | Pawnbrokers are licensed and regulated by Idaho; fees, terms and holding periods are set by state law | Allowed, up to $1,000 or 25% of gross income; typical APR ~652%+ |
Boise at a glance
- Median household income
- $84,006
- Idaho: $76,311
- Poverty rate
- 10.3%
- Idaho: 10.7%
- Households under $25,000
- 10.8%
- Idaho: 13.0%
- A $400 emergency equals
- 1.7 days of income
Payday and installment loan stores in Boise
For comparison: storefront payday, installment and title lenders in Boise with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 10484 W Emerald St Boise, ID 83704 | (208) 906-0707 | — | 4.6 |
| 1624 S Broadway Ave Boise, ID 83706 | (208) 510-5979 | — | 4.7 |
| 421 N Orchard St Boise, ID 83706 | (208) 922-7942 | — | 5.0 |
| 5253 W Overland Rd Boise, ID 83705 | (208) 775-0230 | — | 4.9 |
| 5800 W Fairview Ave Boise, ID 83704 | (208) 306-0404 | — | 4.7 |
| 6493 Fairview Ave Boise, ID 83704 | (208) 375-2274 | — | 4.8 |
| 8485 W Overland Rd Boise, ID 83709 | (208) 375-6665 | — | 4.9 |
| 10530 Fairview Ave Boise, ID 83704 | (208) 378-0231 | — | 4.5 |
| 548 S Vista Ave Boise, ID 83705 | (208) 338-9594 | — | 4.2 |
| 8170 W Overland Rd Boise, ID 83709 | (208) 376-7868 | — | 4.4 |
| 10654 W Overland Rd Boise, ID 83709 | (208) 658-8855 | — | 4.9 |
| 5157 W Overland Rd Boise, ID 83705 | (208) 343-1670 | — | 4.6 |
| 9506 W Fairview Ave Boise, ID 83704 | (208) 323-8222 | — | 3.7 |
| 1290 W Myrtle St #410 Boise, ID 83702 | — | — | 4.6 |
Pawn shops near Boise
More about Boise
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.