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Pawn Shops vs Payday Loans in Louisville, KY
36 pawn shops in and around Louisville — 4.7 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. Louisville ranks #6 of 10 Kentucky cities with pawn shops by shops per resident.
- Pawn shops
- 36
- Pawn shops per 100k
- 4.7
- Kentucky: 5.4
- Big-chain shops
- 16
- Payday & loan stores
- 18
- Population
- 765,842
Pawn shops in Louisville: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Berkley Jewelers and Pawn | 311 W Woodlawn Ave Louisville, KY 40214 | (502) 368-9408 | berkleyjewelry.com |
| Bill's Pawn Shop Llc | 6434 N Preston Hwy Ste 1 Louisville, KY 40229 | (502) 957-4095 | — |
| Bob and Co Pawn Shop | 4904 1/2 Poplar Level Rd Louisville, KY 40219 | (502) 966-0359 | — |
| Bullitt County Pawn | 135B Mkt Pl Dr Hillview, KY 40229 | (502) 957-6002 | bullittcountypawn.com |
| Cash America PawnChain | 1211 W Broadway #104 Louisville, KY 40203 | (502) 778-3790 | find.cashamerica.us |
| Cash America PawnChain | 3354 Hikes Ln Louisville, KY 40220 | (502) 458-8716 | find.cashamerica.us |
| Cash America PawnChain | 4131 Dixie Hwy Shively, KY 40216 | (502) 448-9581 | firstcash.com |
| Cash America PawnChain | 4133 Shelbyville Rd Louisville, KY 40207 | (502) 895-1175 | firstcash.com |
| Cash America PawnChain | 4313 Preston Hwy Louisville, KY 40213 | (502) 368-1600 | fastestcashadvanced.com |
| Cash America PawnChain | 4636 Dixie Hwy Louisville, KY 40216 | (502) 448-8682 | firstcash.com |
| Cash America PawnChain | 5238 Bardstown Rd Louisville, KY 40291 | (502) 493-9989 | firstcash.com |
| Cash America PawnChain | 5516 New Cut Rd Louisville, KY 40214 | (502) 368-4194 | find.cashamerica.us |
| Cash America PawnChain | 5700 Bardstown Rd Louisville, KY 40291 | (502) 231-0787 | cashamerica.com |
| Cash America PawnChain | 6410 Preston Hwy Louisville, KY 40219 | (502) 964-6906 | firstcash.com |
| Cash America PawnChain | 9228 Westport Rd Louisville, KY 40242 | — | — |
| CashlandChain | 6321 Bardstown Rd Louisville, KY 40291 | (502) 657-7000 | cashamerica.com |
| City Check Advance & Pawn | 725 E Broadway Louisville, KY 40202 | (502) 584-5617 | — |
| Crown Jewelry And Loan | 9407 Westport Rd Louisville, KY 40241 | (502) 423-9464 | kycrown.com |
| Dan's City Pawn | 1811 W Broadway Louisville, KY 40203 | (502) 778-1803 | louisvillepawns.com |
| Deprez Quality Jewelry & Loan | 7917 Preston Hwy Louisville, KY 40219 | (502) 969-6855 | deprezqualityjewelryandloan.com |
| Derby City Pawn | 8703 Westport Rd Louisville, KY 40242 | (502) 882-1861 | derbycitypawn.com |
| First Cash PawnChain | 10530 Dixie Highway Louisville, KY 40272 | — | — |
| First Cash PawnChain | 4918 Preston Hwy Louisville, KY 40213 | (502) 966-8862 | — |
| First Cash PawnChain | 5005 Preston Highway Louisville, KY 40213 | — | — |
| First Cash PawnChain | 9808 Taylorsville Road Louisville, KY 40299 | — | — |
| J&m Pawn Shop | 7950 Dixie Hwy Louisville, KY 40258 | (502) 632-1545 | pawnshopslouky.com |
| Louisville Pawn Depot | 813 Lyndon Ln Ste c Lyndon, KY 40222 | (502) 384-5542 | louisvillepawndepot.com |
| MiddleTown Trading | 11408 Shelbyville Rd Ste 1 Middletown, KY 40243 | (502) 749-2700 | middletowntrading.com |
| Mister Money | 10530 Dixie Hwy Louisville, KY 40272 | (502) 935-2274 | firstcash.com |
| Mister Money | 3501 Bardstown Rd Louisville, KY 40218 | (502) 459-5200 | firstcash.com |
| Phil's Pawn Shop | 2134 Frankfort Ave Louisville, KY 40206 | (502) 894-9123 | philspawnshop.com |
| S E Davis Co | 209 S 1st St Louisville, KY 40202 | (502) 585-5818 | — |
| Shepherdsville Jewelry Pawn 3 | 9212 Dixie Hwy Louisville, KY 40272 | (502) 919-7383 | shepherdsville-jewelry-pawn-iii.business.site |
| Stewart's Pawn Shop | 1133 W Broadway Louisville, KY 40203 | (502) 583-5145 | stewartspawn.com |
| Uncle Miltie's Pawn Shop | 3775 Southern Pkwy Louisville, KY 40214 | (502) 364-8844 | unclemiltiespawnshop.lbu.com |
| Zeke's Pawn Shop | 2301 W Market St Louisville, KY 40212 | (502) 772-1548 | — |
Pawn shops vs payday loan stores in Louisville
Louisville has 36 pawn shops and 18 payday, installment and title loan stores.
Pawn shops
36
4.7 per 100k residents
Payday & loan stores
18
2.4 per 100k residents
7 store chains
Biggest loan store chains in Louisville: OneMain Financial (5), Advance America (4), Check Into Cash (3), Lendmark Financial Services (2), Mariner Finance (2).
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 Louisville
- 2.6%
- Pawn cost, share of monthly household income in Louisville
- 1.7%
- A $400 emergency equals
- 2.1 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% |
Louisville at a glance
- Median household income
- $70,176
- Kentucky: $65,382
- Poverty rate
- 14.8%
- Kentucky: 16.2%
- Households under $25,000
- 17.1%
- Kentucky: 19.8%
- A $400 emergency equals
- 2.1 days of income
Payday and installment loan stores in Louisville
For comparison: storefront payday, installment and title lenders in Louisville with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 10304 Shelbyville Rd Louisville, KY 40223 | (502) 254-1620 | — | 4.7 |
| 10635 Dixie Hwy Louisville, KY 40272 | (502) 935-0394 | — | 4.4 |
| 1253 Goss Ave Louisville, KY 40217 | (502) 638-0779 | — | 4.3 |
| 6517 Bardstown Rd Louisville, KY 40291 | (502) 762-9632 | — | 4.3 |
| 7031 Raggard Rd Louisville, KY 40216 | (502) 449-0293 | — | 4.5 |
| 3348 Hikes Lane, Ste. 109 Louisville, KY 40220 | (502) 459-3818 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 1:00 PM Sun closed |
— |
| 3943 Dixie Highway, Suite A Louisville, KY 40216 | (502) 447-8411 | Mon 10:00 AM – 6:00 PM Tue 10:00 AM – 4:00 PM Wed–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 1:00 PM Sun closed |
— |
| 4412 Outer Loop Hwy. Louisville, KY 40219 | (502) 966-9877 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 1:00 PM Sun closed |
— |
| 5510 New Cut Road Louisville, KY 40214 | (502) 380-3726 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 1:00 PM Sun closed |
— |
| 3929 Taylorsville Rd Louisville, KY 40220 | (502) 451-6412 | — | 4.8 |
| 525 N 22nd St C Louisville, KY 40203 | (502) 776-9046 | — | 4.9 |
| 8520 Preston Hwy Louisville, KY 40219 | (502) 966-0285 | — | 3.0 |
| 6801 Dixie Hwy #164 Louisville, KY 40258 | (502) 856-6010 | — | 3.7 |
| 9346 Cedar Center Way Louisville, KY 40291 | (502) 253-9712 | — | 4.6 |
| 1850 S Hurstbourne Pkwy #135 Louisville, KY 40220 | (502) 365-1716 | — | 4.7 |
| 8800 Dixie Hwy B Louisville, KY 40258 | (502) 271-3676 | — | 4.7 |
| 6439 Bardstown Rd Louisville, KY 40291 | (502) 231-5464 | — | 4.9 |
| 8915 Stone Green Way Louisville, KY 40220 | (502) 702-5050 | — | 1.0 |
Pawn shops near Louisville
More about Louisville
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.