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Pawn Shops vs Payday Loans in Kansas City, MO
20 pawn shops in and around Kansas City — 3.3 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. Kansas City ranks #5 of 12 Missouri cities with pawn shops by shops per resident.
- Pawn shops
- 20
- Pawn shops per 100k
- 3.3
- Missouri: 3.0
- Big-chain shops
- 9
- Payday & loan stores
- 21
- Population
- 602,147
Pawn shops in Kansas City: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Alpha Pawn & Jewelry | 14501 E US Hwy 40 Kansas City, MO 64136 | (816) 492-3833 | alphapawn.com |
| Alpha Pawn & Jewelry | 4123 N Oak Trfy Kansas City, MO 64116 | (816) 453-4077 | alphapawn.com |
| American Gold Mine | 7807 N Oak Trafficway Kansas City, MO 64118 | (816) 370-4653 | agmpawn.com |
| AVENUE PAWN & FINE JEWELRY | 2706 Independence Ave Kansas City, MO 64124 | (816) 483-6767 | — |
| Cash America PawnChain | 11148 Blue Ridge Blvd Kansas City, MO 64134 | (816) 761-0203 | cashamerica.com |
| Cash America PawnChain | 2928 Prospect Ave. Kansas City, MO 64128 | — | — |
| Cash America PawnChain | 3636 Main Street Kansas City, MO 64111 | (816) 531-4143 | t.co |
| Cash America PawnChain | 4205 E Truman Rd Kansas City, MO 64127 | (816) 231-2188 | find.cashamerica.us |
| Cash America PawnChain | 5600 Independence Ave Kansas City, MO 64123 | (816) 483-7296 | firstcash.com |
| Cash America PawnChain | 6234 The Paseo Kansas City, MO 64110 | (816) 361-8644 | find.cashamerica.us |
| Cash America PawnChain | 7015 N Oak Trfy Gladstone, MO 64118 | (816) 436-5518 | firstcash.com |
| Cash America PawnChain | 8241 Wornall Rd Kansas City, MO 64114 | (816) 361-1800 | firstcash.com |
| Cash America PawnChain | 9919 E 350 Hwy Raytown, MO 64133 | (816) 358-6363 | cashamerica.com |
| Diamond Banc | 435 Nichols Rd Ste 200 Kansas City, MO 64112 | (816) 597-5773 | diamondbanc.com |
| Gold N Cash | 7819 N Oak Trfy Kansas City, MO 64118 | (816) 648-4653 | — |
| Jewelry By Morgan & Pawn | 6515 N Cosby Ave Kansas City, MO 64151 | (816) 587-6020 | jewelrybymorgan.com |
| National Pawn | 6223 E Truman Rd Kansas City, MO 64126 | (816) 241-7296 | nationalpawnkc.com |
| One Pawn & Check Cashing | 400 E Linwood Blvd Kansas City, MO 64109 | (816) 753-1166 | onepawnkc.com |
| Smart Pawn | 6301 Troost Ave Kansas City, MO 64131 | (816) 523-2274 | firstcash.com |
| Visit Gold N Pawn | 8834 E State Route 350 Raytown, MO 64133 | (816) 503-9689 | — |
Pawn shops vs payday loan stores in Kansas City
Kansas City has 21 payday, installment and title loan stores but only 20 pawn shops.
Pawn shops
20
3.3 per 100k residents
Payday & loan stores
21
3.5 per 100k residents
8 store chains
Biggest loan store chains in Kansas City: TitleMax (6), Check 'n Go (3), OneMain Financial (3), Security Finance (3), Advance America (2).
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 Kansas City
- 2.4%
- Pawn cost, share of monthly household income in Kansas City
- 1.6%
- A $400 emergency equals
- 2.0 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% |
Kansas City at a glance
- Median household income
- $74,544
- Missouri: $73,651
- Poverty rate
- 13.9%
- Missouri: 12.7%
- Households under $25,000
- 16.4%
- Missouri: 16.2%
- A $400 emergency equals
- 2.0 days of income
Payday and installment loan stores in Kansas City
For comparison: storefront payday, installment and title lenders in Kansas City with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 300 US-69 Kansas City, MO 64119 | (816) 595-0930 | — | 4.9 |
| 344 NE 72nd St Gladstone, MO 64118 | (816) 436-1286 | — | 4.9 |
| 3617 Main St Kansas City, MO 64111 | (816) 756-5100 | — | 4.9 |
| 4100 Independence Ave Kansas City, MO 64124 | (816) 241-0829 | — | 5.0 |
| 7741 Troost Ave Kansas City, MO 64131 | (816) 333-5781 | — | 4.9 |
| 9004 E State Rte 350 Raytown, MO 64133 | (816) 313-6205 | — | 5.0 |
| 1321 Burlington St Ste 350 North Kansas City, MO 64116 | (816) 207-4377 | — | 4.8 |
| 4173 Sterling Ave Kansas City, MO 64133 | (816) 478-5100 | — | 4.8 |
| 9262 Blue Ridge Blvd Kansas City, MO 64138 | (816) 966-0055 | — | 4.9 |
| 1154 103rd St Kansas City, MO 64114 | (816) 942-9644 | — | 3.9 |
| 7932 N Oak Trafficway #209 Kansas City, MO 64118 | (816) 436-0189 | — | 4.1 |
| 9480 E State Rte 350 Raytown, MO 64133 | (816) 358-7000 | — | 4.1 |
| 3611 Main St Ste 107 Kansas City, MO 64111 | (816) 561-4774 | — | 4.6 |
| 6514 N Oak Trafficway Gladstone, MO 64118 | (816) 420-8500 | — | 4.9 |
| 7314 Raytown Rd B Raytown, MO 64133 | (816) 313-8292 | — | 4.9 |
| 7932 N. Oak Trafficway, Ste. 204 Kansas City, MO 64118 | (816) 436-9182 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 2:00 PM Sun closed |
— |
| 8666 E. 63rd Street Kansas City, MO 64133 | (816) 313-6318 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 2:00 PM Sun closed |
— |
| 1331 E 63rd St Kansas City, MO 64110 | (816) 363-2274 | — | 4.9 |
| 3947 Main St Kansas City, MO 64111 | (816) 931-0984 | — | 4.8 |
| 5720 N Antioch Rd Gladstone, MO 64119 | (816) 454-2590 | — | 4.9 |
| 6061 NE Antioch Rd Gladstone, MO 64119 | (816) 299-4610 | — | 4.7 |
Pawn shops near Kansas City
More about Kansas City
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.