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 Bowling Green, KY
7 pawn shops in and around Bowling Green — 5.5 per 100,000 residents, compared with 5.4 across Kentucky. Call ahead to ask what they're buying and lending on today: inventory needs change weekly. Bowling Green ranks #5 of 10 Kentucky cities with pawn shops by shops per resident.
- Pawn shops
- 7
- Pawn shops per 100k
- 5.5
- Kentucky: 5.4
- Big-chain shops
- 0
- Payday & loan stores
- 4
- Population
- 126,490
Pawn shops in Bowling Green: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| All American Pawn & Jewelry | 412 Old Morgantown Rd Bowling Green, KY 42101 | (270) 904-4452 | — |
| Bowling Green Fine Jewelry & Pawn | 651 U.S. 31 W Bypass #212B Bowling Green, KY 42101 | (270) 784-7296 | — |
| EZ Money Pawn and Jewelry | 1175 Clay St Bowling Green, KY 42101 | (270) 782-2425 | ezmoneypawnbgky.com |
| Jewelry Barn And Pawn Shop | 2910 Scottsville Rd B Bowling Green, KY 42104 | (270) 781-1194 | jewelrybarnpromise.com |
| Shady Rays Pawn Shop | 221 Gordon Ave Bowling Green, KY 42101 | (270) 782-6942 | shadyrayspawnllc.com |
| The Pawn Company | 255 Cumberland Trace Rd Bowling Green, KY 42103 | (270) 784-7296 | thepawncompany.com |
| Walk-N-Pawn | 870 Fairview Ave Ste 2 Bowling Green, KY 42101 | (270) 796-4622 | walknpawn.com |
Pawn shops vs payday loan stores in Bowling Green
Bowling Green has 7 pawn shops and 4 payday, installment and title loan stores.
Pawn shops
7
5.5 per 100k residents
Payday & loan stores
4
3.2 per 100k residents
4 store chains
Biggest loan store chains in Bowling Green: Advance America (1), Lendmark Financial Services (1), 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 (~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 Bowling Green
- 2.8%
- Pawn cost, share of monthly household income in Bowling Green
- 1.9%
- A $400 emergency equals
- 2.3 days of income
Payday: the KY 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 Kentucky 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 KY | |
|---|---|---|
| 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 Kentucky | Pawnbrokers are licensed and regulated by Kentucky; fees, terms and holding periods are set by state law | Allowed, up to $500; typical APR ~391% |
Bowling Green at a glance
- Median household income
- $63,347
- Kentucky: $65,382
- Poverty rate
- 18.3%
- Kentucky: 16.2%
- Households under $25,000
- 19.6%
- Kentucky: 19.8%
- A $400 emergency equals
- 2.3 days of income
Payday and installment loan stores in Bowling Green
For comparison: storefront payday, installment and title lenders in Bowling Green with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 2710 Nashville Road, Ste. 107 Bowling Green, KY 42101 | (270) 781-1880 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 1:00 PM Sun closed |
— |
| 760 Campbell Ln #104 Bowling Green, KY 42104 | (270) 715-4252 | — | 4.4 |
| 2425 Scottsville Rd #112 Bowling Green, KY 42104 | (270) 393-9909 | — | 4.8 |
| 760 Campbell Ln #110 Bowling Green, KY 42104 | (270) 842-4226 | — | 3.7 |
Pawn shops near Bowling Green
More about Bowling Green
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.