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 Saint Louis, MO
25 pawn shops in and around Saint Louis — 2.8 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. Saint Louis ranks #7 of 12 Missouri cities with pawn shops by shops per resident.
- Pawn shops
- 25
- Pawn shops per 100k
- 2.8
- Missouri: 3.0
- Big-chain shops
- 7
- Payday & loan stores
- 27
- Population
- 891,907
Pawn shops in Saint Louis: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| A. J. & R Pawn Shop | 3127 S Gran St Louis, MO 63118 | (314) 772-1196 | 63118.com |
| AC Pawnshop | 2850 Chippewa St St Louis, MO 63118 | (314) 771-1700 | acpawnshop.com |
| Bel-Aire Pawn Shop | 7501 S Broadway St Louis, MO 63111 | (314) 832-2741 | belairepawnstlouis.com |
| Cash America PawnChain | 10201 Page Ave Overland, MO 63132 | — | — |
| Cash America PawnChain | 10558 Page Ave Saint Louis, MO 63132 | (314) 423-4300 | cashamerica.com |
| Cash America PawnChain | 2616 Telegraph Rd Saint Louis, MO 63125 | (314) 845-7296 | cashamerica.com |
| Cash America PawnChain | 7920 Saint Charles Rock Rd Saint Louis, MO 63114 | (314) 423-2937 | cashamerica.com |
| Cash America PawnChain | 9815 Halls Ferry Rd St Louis, MO 63136 | (314) 388-0118 | find.cashamerica.us |
| Cash Central Company | 10794 New Halls Ferry Rd Saint Louis, MO 63136 | (314) 868-7221 | cashcentralpawn.com |
| Diamond Banc | Pierre Laclede Center, 7733 Forsyth Blvd 11th Floor Suite 1105 Clayton, MO 63105 | (314) 876-6659 | diamondbanc.com |
| Easton Loan Co | 4135 Dr Martin Luther King Dr St Louis, MO 63113 | (314) 535-2274 | eastonloan.com |
| El Potro | 6922 Manchester Ave St. Louis, MO 63143 | (314) 647-0967 | elpotrostl.com |
| First Cash PawnChain | 3800 Lemay Ferry Rd Saint Louis, MO 63125 | (314) 815-3039 | firstcash.com |
| First Cash PawnChain | 5934 Natural Bridge Ave Saint Louis, MO 63120 | (314) 678-0567 | firstcash.com |
| Lee's Pawn & Jewelry | 4123 Dr Martin Luther King Dr St Louis, MO 63113 | (314) 531-0200 | leespawn.com |
| Mannisi Jewelers Pawn Shop | 6200 Dr Martin Luther King Dr St Louis, MO 63133 | (314) 385-7668 | mannisijewelers.com |
| Maplewood Pawn | 7407 Manchester Rd St. Louis, MO 63143 | (314) 645-3289 | maplewoodpawn.com |
| Metro Pawn | 8286 St Charles Rock Rd St Louis, MO 63114 | (314) 428-3810 | metropawnstl.com |
| Pawn Center North County | 8950 W Florissant Ave Jennings, MO 63136 | (314) 388-4444 | pawncenter.com |
| Piazza's Pawn, Jewelry & Guns | 10201 Page Ave Saint Louis, MO 63114 | (314) 427-2277 | piazzajewelryandpawn.com |
| Pj's Pawn Plus | 7939 Page Ave Saint Louis, MO 63133 | (314) 725-7296 | pjspawnplus.net |
| Rock Road Loan & Jewelry | 9191 St Charles Rock Rd St Louis, MO 63114 | (314) 429-0001 | rockroadloan.com |
| Sam Light Loan Company | 2601 Olive St St Louis, MO 63103 | (314) 371-8007 | samlightloan.com |
| Southside Jewelry and Pawn Shop | 8101 Gravois Rd St Louis, MO 63123 | (314) 353-1900 | pawnstlouis.com |
| St. Louis Jewelry and Loan | 2906 Union Blvd St Louis, MO 63115 | (314) 385-8083 | stlouisjewelryloan.placeweb.site |
Pawn shops vs payday loan stores in Saint Louis
Saint Louis has 27 payday, installment and title loan stores but only 25 pawn shops.
Pawn shops
25
2.8 per 100k residents
Payday & loan stores
27
3.0 per 100k residents
8 store chains
Biggest loan store chains in Saint Louis: TitleMax (9), ACE Cash Express (7), OneMain Financial (3), Advance America (2), Check 'n Go (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 Saint Louis
- 2.4%
- Pawn cost, share of monthly household income in Saint Louis
- 1.6%
- A $400 emergency equals
- 1.9 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% |
Saint Louis at a glance
- Median household income
- $75,419
- Missouri: $73,651
- Poverty rate
- 14.1%
- Missouri: 12.7%
- Households under $25,000
- 17.7%
- Missouri: 16.2%
- A $400 emergency equals
- 1.9 days of income
Payday and installment loan stores in Saint Louis
For comparison: storefront payday, installment and title lenders in Saint Louis with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1 N Oaks Plaza Ste B St. Louis, MO 63121 | (314) 385-9087 | — | 5.0 |
| 10415 Watson Rd St. Louis, MO 63127 | (314) 686-6050 | — | 4.9 |
| 10568 Page Ave St. Louis, MO 63132 | (314) 890-2220 | — | 5.0 |
| 1311 N Grand Blvd St. Louis, MO 63106 | (314) 932-4995 | — | 5.0 |
| 2629 Gravois Ave St. Louis, MO 63118 | (314) 881-3975 | — | 5.0 |
| 3227 S Kingshighway Blvd St. Louis, MO 63139 | (314) 881-6164 | — | 4.9 |
| 7405 W Florissant Ave St. Louis, MO 63136 | (314) 446-6006 | — | 5.0 |
| 8640 Airport Rd Berkeley, MO 63134 | (314) 521-3608 | — | 4.9 |
| 9814 W Florissant Ave St. Louis, MO 63136 | (314) 388-4850 | — | 4.9 |
| 10004 Gravois Rd St. Louis, MO 63123 | (314) 638-7200 | — | 4.9 |
| 10016 W Florissant Ave St. Louis, MO 63136 | (314) 388-3175 | — | 4.9 |
| 10578 Page Ave St. Louis, MO 63132 | (314) 423-4949 | — | 4.9 |
| 3655 S Grand Blvd St. Louis, MO 63118 | (314) 773-1186 | — | 4.9 |
| 6528 Manchester Ave St. Louis, MO 63139 | (314) 644-2654 | — | 4.9 |
| 7028 W Florissant Ave St. Louis, MO 63136 | (314) 381-9100 | — | 4.9 |
| 7856 Olive Blvd University City, MO 63130 | (314) 863-7500 | — | 4.8 |
| 379 Watson Plaza St. Louis, MO 63126 | (314) 966-6020 | — | 3.1 |
| 5811 Chippewa St Ste A2 St. Louis, MO 63109 | (314) 752-4581 | — | 3.7 |
| 9120 Overland Plaza Overland, MO 63114 | (314) 890-2227 | — | 3.7 |
| 3861 Lemay Ferry Rd. Saint Louis, MO 63125 | (314) 416-7780 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 1:00 PM Sun closed |
— |
| 6902 Olive Blvd. University City, MO 63130 | (314) 862-1678 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 1:00 PM Sun closed |
— |
| 1415 N Grand Blvd St. Louis, MO 63106 | (314) 535-5496 | — | 4.9 |
| 8503 Olive Blvd Olivette, MO 63132 | (314) 733-1115 | — | 4.8 |
| 12645 Olive Blvd Ste 222 Creve Coeur, MO 63141 | (417) 986-0920 | — | 4.6 |
| Two Cityplace Dr 2nd Floor St. Louis, MO 63141 | (314) 354-7100 | — | 4.1 |
| 313 Watson Plaza St. Louis, MO 63126 | (314) 282-6789 | — | 3.7 |
| 9004 St Charles Rock Rd St. Louis, MO 63114 | (314) 427-1116 | — | 4.8 |
Pawn shops near Saint Louis
More about Saint Louis
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.