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Pawn Shops vs Payday Loans in Winston Salem, NC
21 pawn shops in and around Winston Salem — 7.6 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. Winston Salem ranks #4 of 34 North Carolina cities with pawn shops by shops per resident.
- Pawn shops
- 21
- Pawn shops per 100k
- 7.6
- North Carolina: 3.5
- Big-chain shops
- 3
- Payday & loan stores
- 8
- Population
- 275,105
Pawn shops in Winston Salem: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| 109 Pawn And Tool | 4352 Thomasville Rd Winston Salem, NC 27107 | (336) 788-0607 | — |
| Akron Drive Pawn | 650 Akron Dr Winston Salem, NC 27105 | (336) 767-1880 | akrondrivepawn.com |
| Alvarado Jewelry | 2251 Old Lexington Rd Winston-Salem, NC 27107 | (336) 785-0807 | alvaradojewelry.com |
| Apple Pawn Shop | 113 W 4th St Winston-Salem, NC 27101 | (336) 722-2991 | applepawn.com |
| Blade Runners Pawn, LLC | 4254 Ebert Rd Winston-Salem, NC 27127 | (336) 784-1717 | bladerunnerspawnofws.com |
| Brass Balls Pawn™ | 2128 S Main St Winston-Salem, NC 27127 | (336) 293-4174 | brassballspawn.com |
| Camel City Pawn Shop | 422 N Liberty St Winston Salem, NC 27101 | (336) 723-1057 | cameljewelers.com |
| Cash America PawnChain | 1814 Silas Creek Pkwy Winston-Salem, NC 27103 | (336) 721-0340 | cashamerica.com |
| Cash America PawnChain | 2828 University Pkwy Winston Salem, NC 27105 | (336) 723-1234 | firstcash.com |
| Cash America PawnChain | 3587 N Patterson Ave Winston Salem, NC 27105 | (336) 767-1212 | firstcash.com |
| Cash N Go Pawn | 7732 N Point Blvd Winston-Salem, NC 27106 | (336) 896-9757 | ebay.com |
| Gold Into Cash | 1241 W Clemmonsville Rd Winston-Salem, NC 27127 | (336) 245-8890 | — |
| Julio NationalPawn | 3600 Reynolda Rd Winston-Salem, NC 27106 | (336) 420-4172 | — |
| Long's Pawn and Jewelry | 5272 Germanton Rd Winston-Salem, NC 27105 | (336) 659-0641 | longspawnandjewelry.com |
| Multistore And Gold Pawn | 2838 Waughtown St Winston-Salem, NC 27107 | (336) 788-2111 | — |
| National Pawn | 1511 S Stratford Rd Winston Salem, NC 27103 | — | — |
| National Pawn | 3600 Reynolda Rd Winston Salem, NC 27106 | (336) 815-1338 | firstcash.com |
| Nc Gold & Pawn | 4330 Old Walkertown Rd Winston Salem, NC 27105 | (336) 661-1850 | ncpawnws.com |
| Quick Cash Pawn | 3800 Leo St Winston Salem, NC 27105 | (336) 767-3057 | firstcash.com |
| Quick Cash Pawn | 700 Peters Creek Pkwy Winston Salem, NC 27103 | (336) 725-7296 | firstcash.com |
| Triad Pawn Brokers | 2132 Old Lexington Rd Winston-Salem, NC 27107 | (336) 788-0052 | triadpawnbrokers.com |
Pawn shops vs payday loan stores in Winston Salem
Winston Salem has 21 pawn shops and 8 payday, installment and title loan stores.
Pawn shops
21
7.6 per 100k residents
Payday & loan stores
8
2.9 per 100k residents
4 store chains
Biggest loan store chains in Winston Salem: OneMain Financial (3), ACE Cash Express (2), Lendmark Financial Services (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 Winston Salem
- 3.0%
- Pawn cost, share of monthly household income in Winston Salem
- 2.0%
- A $400 emergency equals
- 2.4 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 |
Winston Salem at a glance
- Median household income
- $60,415
- North Carolina: $74,061
- Poverty rate
- 16.9%
- North Carolina: 13.2%
- Households under $25,000
- 19.9%
- North Carolina: 16.3%
- A $400 emergency equals
- 2.4 days of income
Payday and installment loan stores in Winston Salem
For comparison: storefront payday, installment and title lenders in Winston Salem with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1571 Hanes Mall Blvd Winston-Salem, NC 27103 | (336) 765-7761 | — | 4.4 |
| 256 Summit Square Blvd Winston-Salem, NC 27105 | (336) 377-2143 | — | 5.0 |
| University Plaza, 7756 North Point Blvd Winston-Salem, NC 27106 | (336) 377-3600 | — | 4.3 |
| 3583 N Patterson Ave Winston-Salem, NC 27105 | (336) 744-8052 | — | 4.9 |
| 580 N Martin Luther King Jr Dr Winston-Salem, NC 27101 | (336) 722-0233 | — | 4.9 |
| 400 E Hanes Mill Rd Winston-Salem, NC 27105 | (336) 377-2011 | — | 4.3 |
| 584 Hanes Mall Blvd Winston-Salem, NC 27103 | (336) 934-4045 | — | 4.5 |
| 1113 Silas Creek Pkwy B Winston-Salem, NC 27127 | (336) 723-7078 | — | 4.6 |
Pawn shops near Winston Salem
More about Winston Salem
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.