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Pawn Shops vs Payday Loans in Joplin, MO
6 pawn shops in and around Joplin — 8.2 per 100,000 residents, compared with 3.0 across Missouri. Call ahead to ask what they're buying and lending on today: inventory needs change weekly. Joplin ranks #1 of 12 Missouri cities with pawn shops by shops per resident.
- Pawn shops
- 6
- Pawn shops per 100k
- 8.2
- Missouri: 3.0
- Big-chain shops
- 0
- Payday & loan stores
- 10
- Population
- 73,393
Pawn shops in Joplin: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Cash Country | 2210 S Range Line Rd Joplin, MO 64804 | (417) 626-7077 | titlecash.com |
| Gold and Silver of Joplin | 105 N Rangeline Rd Joplin, MO 64801 | (417) 553-0643 | gold-silver-of-joplin.com |
| Gold Diggers Gun and Pawn | 215 E 7th St Joplin, MO 64801 | (417) 623-7296 | ourloansarebigger.com |
| Gold Diggers Pawn | 2201 E 7th St Joplin, MO 64801 | (417) 206-7296 | ourloansarebigger.com |
| Joplin Pawn & Purchase | 1409 S Main St Joplin, MO 64801 | (417) 781-7296 | pawnjoplin.com |
| Plaza Pawn | 1651 W 7th St Joplin, MO 64801 | (417) 680-8502 | — |
Pawn shops vs payday loan stores in Joplin
Joplin has 10 payday, installment and title loan stores but only 6 pawn shops.
Pawn shops
6
8.2 per 100k residents
Payday & loan stores
10
13.6 per 100k residents
9 store chains
Biggest loan store chains in Joplin: TitleMax (2), Advance America (1), Check 'n Go (1), Lendmark Financial Services (1), Mariner Finance (1).
Borrowing $500 for one month: payday vs pawn vs credit union
| Option | How it works | Cost for one month |
|---|---|---|
| Payday loan (~462% 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 Joplin
- 3.2%
- Pawn cost, share of monthly household income in Joplin
- 2.1%
- A $400 emergency equals
- 2.6 days of income
Payday: a typical fee of $75 on a $500 loan for 2 weeks, paid twice for a one-month loan (Missouri 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 Missouri 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 MO | |
|---|---|---|
| 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 Missouri | Pawnbrokers are licensed and regulated by Missouri; fees, terms and holding periods are set by state law | Allowed, up to $500; typical APR ~462% |
Joplin at a glance
- Median household income
- $56,764
- Missouri: $73,651
- Poverty rate
- 15.8%
- Missouri: 12.7%
- Households under $25,000
- 20.6%
- Missouri: 16.2%
- A $400 emergency equals
- 2.6 days of income
Payday and installment loan stores in Joplin
For comparison: storefront payday, installment and title lenders in Joplin with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1202 S Rangeline Rd #3 Joplin, MO 64801 | (417) 624-5561 | — | 4.9 |
| 1721 W 7th St Suite A Joplin, MO 64801 | (417) 385-4051 | — | 4.9 |
| 1901 E. 32nd Street, Suite 9 Joplin, MO 64804 | (417) 782-6555 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 1:00 PM Sun closed |
— |
| 925 S Rangeline Rd Joplin, MO 64801 | (417) 673-1484 | — | 4.8 |
| 2639 E 32nd St Ste r Joplin, MO 64804 | (417) 691-8266 | — | 4.7 |
| 1531 E 32nd St #1 Joplin, MO 64804 | (417) 781-2314 | — | 4.9 |
| 420 N Rangeline Rd #15 Joplin, MO 64801 | (417) 624-2224 | — | 4.2 |
| 1901 E 32nd St #6 Joplin, MO 64804 | (417) 624-6933 | — | 4.8 |
| 2313 W 7th St A Joplin, MO 64801 | (417) 782-5600 | — | 4.9 |
| Shamrock Finance 2914 E 32nd St Ste 112A Joplin, MO 64804 | (417) 627-0949 | — | 4.5 |
Pawn shops near Joplin
More about Joplin
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.