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Pawn Shops vs Payday Loans in Springfield, MO
12 pawn shops in and around Springfield — 5.1 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. Springfield ranks #3 of 12 Missouri cities with pawn shops by shops per resident.
- Pawn shops
- 12
- Pawn shops per 100k
- 5.1
- Missouri: 3.0
- Big-chain shops
- 0
- Payday & loan stores
- 16
- Population
- 236,423
Pawn shops in Springfield: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Affordable Equity Finance | 751 S Glenstone Ave Springfield, MO 65802 | (417) 832-1852 | zerrauto.com |
| Armed Sources Gun & Pawn | 1775 S Grant Ave Springfield, MO 65807 | (417) 720-1520 | armedsourcesgunandpawn.com |
| Eagle Pawn & Jewelry | 1400 W Battlefield Rd Springfield, MO 65807 | (417) 823-3984 | eaglepawnandjewelry.com |
| Gold Digger Pawn | 1031 W Kearney St Springfield, MO 65803 | (417) 869-6590 | golddiggerspawn.com |
| Gold Diggers Pawn | 2821 W Chestnut Expy Springfield, MO 65803 | (417) 409-3013 | golddiggerspawn.com |
| Gold Exchange Pawn | 1211 W Battlefield Rd Springfield, MO 65807 | (417) 886-8440 | springfieldgoldexchange.com |
| Loftis Jewelry & Pawn | 1445 W Kearney St Springfield, MO 65803 | (417) 730-9999 | loftisjewelryandpawnbrokers.com |
| Loftis Jewelry & Pawnbrokers | 410 W University St Springfield, MO 65807 | (417) 720-1361 | firstcash.com |
| Mr. Pawn | 3202 W Republic Rd Springfield, MO 65807 | (417) 889-7296 | — |
| Next Level Pawn & Jewelry | 738 S Glenstone Ave Springfield, MO 65802 | (417) 888-0909 | nextlevelpawn.biz |
| Premier Pawn | 2865 S Campbell Ave Springfield, MO 65807 | (417) 887-7296 | premierpawnshop.com |
| Premier Pawn | 928 S Glenstone Ave Springfield, MO 65802 | (417) 862-7296 | premierpawnshop.com |
Pawn shops vs payday loan stores in Springfield
Springfield has 16 payday, installment and title loan stores but only 12 pawn shops.
Pawn shops
12
5.1 per 100k residents
Payday & loan stores
16
6.8 per 100k residents
10 store chains
Biggest loan store chains in Springfield: TitleMax (4), Check 'n Go (2), OneMain Financial (2), Security Finance (2), Advance America (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 Springfield
- 3.2%
- Pawn cost, share of monthly household income in Springfield
- 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% |
Springfield at a glance
- Median household income
- $56,472
- Missouri: $73,651
- Poverty rate
- 17.0%
- Missouri: 12.7%
- Households under $25,000
- 21.4%
- Missouri: 16.2%
- A $400 emergency equals
- 2.6 days of income
Payday and installment loan stores in Springfield
For comparison: storefront payday, installment and title lenders in Springfield with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1164 S Glenstone Ave Springfield, MO 65804 | (417) 893-2050 | — | 5.0 |
| 1325 W Kearney St Springfield, MO 65803 | (417) 865-3702 | — | 5.0 |
| 1827 N Glenstone Ave Springfield, MO 65803 | (417) 616-5060 | — | 4.9 |
| 2318 S Campbell Ave Springfield, MO 65807 | (417) 893-2030 | — | 4.9 |
| 1315 W Sunshine St Springfield, MO 65807 | (417) 865-1200 | — | 4.8 |
| 1448 E Kearney St Springfield, MO 65803 | (417) 864-0819 | — | 4.8 |
| 2445 N Kansas Expy Ste f Springfield, MO 65803 | (417) 831-3779 | — | 4.6 |
| 4728 S Campbell Ave Ste 108 Springfield, MO 65810 | (417) 883-5525 | — | 3.9 |
| 2250 S Campbell Ave Springfield, MO 65807 | (417) 877-8585 | — | 4.8 |
| 2801 W Chestnut Expy Springfield, MO 65802 | (417) 862-4420 | — | 4.9 |
| 3548 S. Campbell Ave. Springfield, MO 65807 | (417) 890-7624 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 1:00 PM Sun closed |
— |
| 3530 W Sunshine St Ste C Springfield, MO 65807 | (417) 881-2898 | — | 4.9 |
| 319 E Battlefield Rd Ste A Springfield, MO 65807 | (417) 708-6828 | — | 4.8 |
| 446 W Battlefield Rd Springfield, MO 65807 | (417) 429-0857 | — | 4.7 |
| 2949 S National Ave Springfield, MO 65804 | (417) 881-1710 | — | 4.8 |
| 2762 S Campbell Ave Springfield, MO 65807 | (417) 886-8287 | — | 4.9 |
Pawn shops near Springfield
More about Springfield
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.