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 Oxford, MS
3 pawn shops in and around Oxford — 6.0 per 100,000 residents, compared with 5.1 across Mississippi. Call ahead to ask what they're buying and lending on today: inventory needs change weekly. Oxford ranks #4 of 8 Mississippi cities with pawn shops by shops per resident.
- Pawn shops
- 3
- Pawn shops per 100k
- 6.0
- Mississippi: 5.1
- Big-chain shops
- 0
- Payday & loan stores
- 5
- Population
- 50,383
Pawn shops in Oxford: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Dash For Cash Pawn Shop LLC | 1307 N Lamar Blvd Oxford, MS 38655 | (662) 234-2304 | — |
| Oxford Pawn Shop and Gold Buyers | 1350 N Lamar Blvd #1 Oxford, MS 38655 | (662) 236-1056 | oxfordpawnshop.com |
| Title Cash | 1306 University Ave Oxford, MS 38655 | (662) 513-0541 | lendnation.com |
Pawn shops vs payday loan stores in Oxford
Oxford has 5 payday, installment and title loan stores but only 3 pawn shops.
Pawn shops
3
6.0 per 100k residents
Payday & loan stores
5
9.9 per 100k residents
5 store chains
Biggest loan store chains in Oxford: 1st Franklin Financial (1), Advance America (1), Check Into Cash (1), OneMain Financial (1), TitleMax (1).
Borrowing $500 for one month: payday vs pawn vs credit union
| Option | How it works | Cost for one month |
|---|---|---|
| Payday loan (~521% APR) | $100.00 fee every 2 weeks, renewed once | $200.00 |
| 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 Oxford
- 3.7%
- Pawn cost, share of monthly household income in Oxford
- 1.9%
- A $400 emergency equals
- 2.3 days of income
Payday: the MS maximum — $100 on a $500 loan for 2 weeks, paid twice for a one-month loan. Pawn: an example rate of 20% a month; pawn fees and interest are set by Mississippi 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. Income: U.S. Census Bureau, American Community Survey.
Pawn loan vs payday loan: the key differences
| Pawn loan | Payday loan in MS | |
|---|---|---|
| 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 Mississippi | Pawnbrokers are licensed and regulated by Mississippi; fees, terms and holding periods are set by state law | Allowed, up to $500; typical APR ~521% |
Oxford at a glance
- Median household income
- $64,423
- Mississippi: $57,184
- Poverty rate
- 20.0%
- Mississippi: 19.2%
- Households under $25,000
- 21.5%
- Mississippi: 23.8%
- A $400 emergency equals
- 2.3 days of income
Payday and installment loan stores in Oxford
For comparison: storefront payday, installment and title lenders in Oxford with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 301 Heritage Dr Oxford, MS 38655 | (662) 236-1988 | — | 4.8 |
| 2008 University Ave., Suite D Oxford, MS 38655 | (662) 234-0315 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat–Sun closed |
— |
| 117 Heritage Dr Oxford, MS 38655 | (662) 281-8110 | — | 5.0 |
| 2550 Jackson Ave W UNIT 7 Oxford, MS 38655 | (662) 234-0121 | — | 4.1 |
| 1420 Jackson Ave W Oxford, MS 38655 | (662) 245-5248 | — | 5.0 |
Pawn shops near Oxford
More about Oxford
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.