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 Kansas
87 pawn shops in 35 cities and towns across Kansas. Pick a city for the full list with addresses and phone numbers, or scroll down for the smaller towns.
Kansas has about 2,937,420 residents, so that's 3.0 pawn shops per 100,000 people (U.S.: 2.7). For comparison, there are 2.8 payday, installment and title loan stores per 100,000 people in Kansas.
- Pawn shops
- 87
- Cities & towns
- 35
- Pawn shops per 100k
- 3.0
- Loan stores
- 83
- List a phone
- 97.7%
- Have a website
- 82.8%
Pawn shops vs payday loan stores in Kansas
Kansas has 87 pawn shops and 83 payday, installment and title loan stores.
Pawn shops
87
3.0 per 100k residents
Payday & loan stores
83
2.8 per 100k residents
8 store chains
Biggest loan store chains in Kansas: Advance America (22), Check Into Cash (13), ACE Cash Express (12), OneMain Financial (11), TitleMax (11).
Borrowing $500 for one month: payday vs pawn vs credit union
| Option | How it works | Cost for one month |
|---|---|---|
| Payday loan (~391% 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 Kansas
- 2.3%
- Pawn cost, share of monthly household income in Kansas
- 1.5%
- A $400 emergency equals
- 1.9 days of income
Payday: the KS maximum — $75 on a $500 loan for 2 weeks, paid twice for a one-month loan. Pawn: an example rate of 20% a month; pawn fees and interest are set by Kansas 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. Income: U.S. Census Bureau, American Community Survey.
Pawn loan vs payday loan: the key differences
| Pawn loan | Payday loan in KS | |
|---|---|---|
| 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 Kansas | Pawnbrokers are licensed and regulated by Kansas; fees, terms and holding periods are set by state law | Allowed, up to $500; typical APR ~391% |
Pawn shops by city in Kansas
Where pawn shops cluster in Kansas
Cities ranked by pawn shops per 100,000 residents, with local median household income and poverty rate. Statewide: 3.0 per 100k, median income $78,365.
| City | Pawn shops | Per 100k people | Median income | Poverty rate |
|---|---|---|---|---|
| Topeka | 8 | 4.9 | $67,341 | 13.4% |
| Kansas City | 7 | 4.4 | $62,474 | 17.8% |
| Wichita | 18 | 4.2 | $69,378 | 15.9% |
| Salina | 2 | 4.0 | $62,603 | 12.3% |
| Lawrence | 4 | 3.9 | $68,580 | 18.4% |
| Manhattan | 2 | 3.1 | $64,817 | 26.7% |
| Overland Park | 4 | 2.1 | $116,755 | 5.0% |
| Olathe | 3 | 2.1 | $112,932 | 5.7% |
Pawn shops in smaller towns of Kansas
Other cities and towns in Kansas with pawn shops, and the number of shops in each.
- Arkansas City 2
- Atchison 1
- Baxter Springs 1
- Chanute 2
- Coffeyville 1
- Derby 2
- Dodge City 1
- Emporia 3
- Fort Scott 1
- Galena 1
- Garden City 2
- Great Bend 1
- Hays 1
- Hutchinson 3
- Independence 1
- Junction City 2
- Leavenworth 2
- Mission 1
- Mound City 1
- Newton 2
- Ottawa 1
- Paola 1
- Perry 1
- Pittsburg 2
- Riley 1
- Ulysses 1
- Winfield 1
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.