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 Naperville, IL
4 pawn shops in and around Naperville — 2.4 per 100,000 residents, compared with 2.1 across Illinois. Call ahead to ask what they're buying and lending on today: inventory needs change weekly. Naperville ranks #16 of 27 Illinois cities with pawn shops by shops per resident.
- Pawn shops
- 4
- Pawn shops per 100k
- 2.4
- Illinois: 2.1
- Big-chain shops
- 0
- Payday & loan stores
- 2
- Population
- 167,976
Pawn shops in Naperville: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Fast Cash & Pawn USA | 929 E Ogden Ave Naperville, IL 60563 | (630) 579-3278 | loandisco.com |
| Naperville Jewelry & Coin Exchange | 914 E Ogden Ave Naperville, IL 60563 | (331) 244-8129 | goldbuyernapervilleil.com |
| Naperville Pawn Jewelry and Loan | 605 E Ogden Ave Ste D Naperville, IL 60563 | (630) 420-7296 | pawnshopatlas.com |
| Pebblewood Jewelry and Loan | 1550 Rte 59 #194 Naperville, IL 60563 | (630) 848-1000 | pebblewoodpawnshop.com |
Pawn shops vs payday loan stores in Naperville
Naperville has 4 pawn shops and 2 payday, installment and title loan stores.
Pawn shops
4
2.4 per 100k residents
Payday & loan stores
2
1.2 per 100k residents
2 store chains
Biggest loan store chains in Naperville: Mariner Finance (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 Illinois) | $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 Naperville
- 1.2%
- Pawn cost, share of monthly household income in Naperville
- 0.8%
- A $400 emergency equals
- 1.0 days of income
Payday: a typical fee of $75 on a $500 loan for 2 weeks, paid twice for a one-month loan (Illinois 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 Illinois 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 IL | |
|---|---|---|
| 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 Illinois | Pawnbrokers are licensed and regulated by Illinois; fees, terms and holding periods are set by state law | Storefront payday loans are not allowed in Illinois |
Naperville at a glance
- Median household income
- $151,141
- Illinois: $87,400
- Poverty rate
- 4.7%
- Illinois: 11.8%
- Households under $25,000
- 6.0%
- Illinois: 14.6%
- A $400 emergency equals
- 1.0 days of income
Payday and installment loan stores in Naperville
For comparison: storefront payday, installment and title lenders in Naperville with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1979 McDowell Rd Ste. 107 Naperville, IL 60563 | (331) 814-2608 | — | 4.9 |
| 684 S Rte 59 Naperville, IL 60540 | (630) 357-3875 | — | 3.5 |
Pawn shops near Naperville
More about Naperville
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.