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Pawn Shops vs Payday Loans in Westland, MI
5 pawn shops in and around Westland — 5.9 per 100,000 residents, compared with 1.6 across Michigan. Call ahead to ask what they're buying and lending on today: inventory needs change weekly. Westland ranks #3 of 28 Michigan cities with pawn shops by shops per resident.
- Pawn shops
- 5
- Pawn shops per 100k
- 5.9
- Michigan: 1.6
- Big-chain shops
- 0
- Payday & loan stores
- 3
- Population
- 84,155
Pawn shops in Westland: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| 14k Pawn | 8296 N Merriman Rd Westland, MI 48185 | (734) 524-1111 | 14kpawn.com |
| 14k Pawn and Gun | 1900 N Wayne Rd Westland, MI 48185 | (734) 722-5555 | 14kwestland.com |
| C & C Coins and Pawn | 34775 Warren Rd Westland, MI 48185 | (313) 551-1746 | cccoinsandpawninc.com |
| C & L Exchange | 27842 W Warren Ave Westland, MI 48185 | (734) 425-0450 | candlexchange.com |
| Danny's Jewelry & Coin | 5775 N Wayne Rd Westland, MI 48185 | (734) 771-0562 | dannysjewelryandcoin.com |
Pawn shops vs payday loan stores in Westland
Westland has 5 pawn shops and 3 payday, installment and title loan stores.
Pawn shops
5
5.9 per 100k residents
Payday & loan stores
3
3.6 per 100k residents
2 store chains
Biggest loan store chains in Westland: Advance America (2), Check 'n Go (1).
Borrowing $500 for one month: payday vs pawn vs credit union
| Option | How it works | Cost for one month |
|---|---|---|
| Payday loan (~369% 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 Westland
- 2.9%
- Pawn cost, share of monthly household income in Westland
- 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 (Michigan 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 Michigan 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 MI | |
|---|---|---|
| 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 Michigan | Pawnbrokers are licensed and regulated by Michigan; fees, terms and holding periods are set by state law | Allowed, up to $600; typical APR ~369% |
Westland at a glance
- Median household income
- $62,538
- Michigan: $75,812
- Poverty rate
- 13.3%
- Michigan: 13.3%
- Households under $25,000
- 19.1%
- Michigan: 16.1%
- A $400 emergency equals
- 2.3 days of income
Payday and installment loan stores in Westland
For comparison: storefront payday, installment and title lenders in Westland with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 2390 S. Wayne Rd. Westland, MI 48186 | (734) 595-9120 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 10:00 AM – 2:00 PM Sun closed |
— |
| 34518 Warren Road Westland, MI 48185 | (734) 458-8512 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 10:00 AM – 2:00 PM Sun closed |
— |
| 31294 Michigan Ave Westland, MI 48186 | (734) 326-7400 | — | 5.0 |
Pawn shops near Westland
More about Westland
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.