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 Fayetteville, NC
12 pawn shops in and around Fayetteville — 4.9 per 100,000 residents, compared with 3.5 across North Carolina. Call ahead to ask what they're buying and lending on today: inventory needs change weekly. Fayetteville ranks #22 of 34 North Carolina cities with pawn shops by shops per resident.
- Pawn shops
- 12
- Pawn shops per 100k
- 4.9
- North Carolina: 3.5
- Big-chain shops
- 0
- Payday & loan stores
- 9
- Population
- 245,182
Pawn shops in Fayetteville: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Ace Pawn Shop | 5721 Bragg Blvd Fayetteville, NC 28303 | (910) 867-4010 | goldbuyerfayettevillenc.net |
| Boulevard Pawn Shop | 5301 Bragg Blvd Fayetteville, NC 28303 | (910) 868-2139 | goldbuyerfayettevillenc.net |
| Bragg Exchange Store | 4441 Bragg Blvd Fayetteville, NC 28303 | (910) 758-3100 | braggexchange.com |
| Bragg Pawn Shop | 5034 Yadkin Rd Fayetteville, NC 28303 | (910) 867-9219 | go.thryv.com |
| Cross Creek Pawn & Jewelry | 7129 Cliffdale Rd Fayetteville, NC 28314 | (910) 867-0003 | crosscreekpawn.com |
| Cumberland Pawn Shop | 5011 Raeford Rd Fayetteville, NC 28304 | (910) 425-3306 | cumberlandpawnshop.com |
| Day and Nite Pawn Shop | 5430 Murchison Rd Fayetteville, NC 28311 | (910) 488-0974 | day-nite-pawn-shop.business.site |
| Fort Bragg Pawn & Gun | 2908 Fort Bragg Rd Fayetteville, NC 28303 | (989) 388-7750 | — |
| Military Pawn and Surplus | 5000 Bragg Blvd Fayetteville, NC 28303 | (910) 867-0808 | militarypawnandsurplus.com |
| Money Quick Pawn & Guns | 8006 Raeford Rd Fayetteville, NC 28304 | (910) 491-3677 | moneyquickpawnshop.com |
| Parker Pawn & Jewelry | 2898 Owen Dr Fayetteville, NC 28306 | (910) 321-0500 | parkerpawn.com |
| Parker Pawn & Jewelry | 5701 Yadkin Rd Ste 200 Fayetteville, NC 28303 | (910) 867-5159 | parkerpawn.com |
Pawn shops vs payday loan stores in Fayetteville
Fayetteville has 12 pawn shops and 9 payday, installment and title loan stores.
Pawn shops
12
4.9 per 100k residents
Payday & loan stores
9
3.7 per 100k residents
4 store chains
Biggest loan store chains in Fayetteville: Lendmark Financial Services (4), ACE Cash Express (2), OneMain Financial (2), Mariner Finance (1).
Borrowing $500 for one month: payday vs pawn vs credit union
| Option | How it works | Cost for one month |
|---|---|---|
| Payday loan (not legal in North Carolina) | $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 Fayetteville
- 3.1%
- Pawn cost, share of monthly household income in Fayetteville
- 2.0%
- A $400 emergency equals
- 2.5 days of income
Payday: a typical fee of $75 on a $500 loan for 2 weeks, paid twice for a one-month loan (North Carolina 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 North Carolina 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 NC | |
|---|---|---|
| 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 North Carolina | Pawnbrokers are licensed and regulated by North Carolina; fees, terms and holding periods are set by state law | Storefront payday loans are not allowed in North Carolina |
Fayetteville at a glance
- Median household income
- $58,692
- North Carolina: $74,061
- Poverty rate
- 18.1%
- North Carolina: 13.2%
- Households under $25,000
- 19.8%
- North Carolina: 16.3%
- A $400 emergency equals
- 2.5 days of income
Payday and installment loan stores in Fayetteville
For comparison: storefront payday, installment and title lenders in Fayetteville with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1400 Walter Reed Road Ext, #110 Fayetteville, NC 28304 | (910) 484-7605 | — | 4.7 |
| 2653 Hope Mills Rd Ste 13 Fayetteville, NC 28306 | (910) 302-3930 | — | 5.0 |
| 2718 Bragg Blvd Ste B-2 Fayetteville, NC 28303 | (910) 778-5302 | — | 4.5 |
| 7711 S Raeford Rd #101 Fayetteville, NC 28304 | (910) 527-1933 | — | 4.9 |
| 316 N Eastern Blvd Ste 204 Fayetteville, NC 28301 | (910) 826-2274 | — | 5.0 |
| 3308 Bragg Blvd Ste 104 Fayetteville, NC 28303 | (910) 429-2274 | — | 4.9 |
| 2132 Skibo Rd Ste 104 Fayetteville, NC 28314 | (910) 483-4641 | — | 4.3 |
| 2800 Raeford Rd Ste 7 Fayetteville, NC 28303 | (910) 323-4019 | — | 3.8 |
| 5075 Morganton Rd Ste. 10 Fayetteville, NC 28314 | (910) 860-1313 | — | 4.6 |
Pawn shops near Fayetteville
More about Fayetteville
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.