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 Pocatello, ID
6 pawn shops in and around Pocatello — 7.3 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. Pocatello ranks #1 of 9 Idaho cities with pawn shops by shops per resident.
- Pawn shops
- 6
- Pawn shops per 100k
- 7.3
- Idaho: 3.4
- Big-chain shops
- 0
- Payday & loan stores
- 9
- Population
- 82,537
Pawn shops in Pocatello: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Eagle Rock Trading Post & Pawn | 2820 Pole Line Rd Pocatello, ID 83201 | (208) 904-1147 | eaglerockpawn.com |
| Mad Mike's Trading Post | 1238 N Main St Pocatello, ID 83204 | (208) 234-3788 | madmikesllc.com |
| Pawn 1 | 1580 Yellowstone Ave Pocatello, ID 83201 | (208) 237-3929 | pawn1.com |
| Tyhee Enterprises LLC | 12527 W Tyhee Rd Pocatello, ID 83202 | (208) 237-0444 | tyheepawn.com |
| Vickers Western Store & Pawn | 1460 Yellowstone Ave Pocatello, ID 83201 | (208) 237-5700 | vickersonline.com |
| Zerelda’s Mercantile & Pawn | 245 Yellowstone Ave Pocatello, ID 83201 | (208) 844-1077 | — |
Pawn shops vs payday loan stores in Pocatello
Pocatello has 9 payday, installment and title loan stores but only 6 pawn shops.
Pawn shops
6
7.3 per 100k residents
Payday & loan stores
9
10.9 per 100k residents
7 store chains
Biggest loan store chains in Pocatello: Dollar Loan Center (2), Security Finance (2), Cash Store (1), Check 'n Go (1), Lendmark Financial Services (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 Pocatello
- 2.9%
- Pawn cost, share of monthly household income in Pocatello
- 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 (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%+ |
Pocatello at a glance
- Median household income
- $62,263
- Idaho: $76,311
- Poverty rate
- 13.1%
- Idaho: 10.7%
- Households under $25,000
- 19.1%
- Idaho: 13.0%
- A $400 emergency equals
- 2.3 days of income
Payday and installment loan stores in Pocatello
For comparison: storefront payday, installment and title lenders in Pocatello with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1111 Yellowstone Ave Pocatello, ID 83201 | (208) 551-8400 | — | 4.6 |
| 2300 Via Caporatti Dr Pocatello, ID 83201 | (208) 551-8500 | — | 4.3 |
| 1800 Flandro Dr Ste 370 Pocatello, ID 83202 | (208) 637-2899 | — | 4.9 |
| 344 Yellowstone Ave Pocatello, ID 83201 | (208) 637-0178 | — | 4.5 |
| 4100 Yellowstone Ave Ste D Pocatello, ID 83202 | (208) 238-6119 | — | 4.8 |
| 465 Yellowstone Ave Ste B Pocatello, ID 83201 | (208) 234-9000 | — | 4.9 |
| 345 Yellowstone Ave C-1 Pocatello, ID 83201 | (208) 233-0255 | — | 4.5 |
| 690 W Quinn Rd Suites C & D Pocatello, ID 83202 | (208) 637-2274 | — | 4.7 |
| 1000 Pocatello Creek Rd E-4 Pocatello, ID 83201 | (208) 234-2200 | — | 3.5 |
Pawn shops near Pocatello
More about Pocatello
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.