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 Omaha, NE
14 pawn shops in and around Omaha — 2.5 per 100,000 residents, compared with 1.9 across Nebraska. Call ahead to ask what they're buying and lending on today: inventory needs change weekly. Omaha ranks #2 of 3 Nebraska cities with pawn shops by shops per resident.
- Pawn shops
- 14
- Pawn shops per 100k
- 2.5
- Nebraska: 1.9
- Big-chain shops
- 0
- Payday & loan stores
- 2
- Population
- 564,566
Pawn shops in Omaha: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| 13th Street Jewelry & Loan | 1904 S 13th St Omaha, NE 68108 | (402) 905-2691 | 13thstreetjewelry.com |
| AAA Ultimate Pawn | 4102 S 24th St Omaha, NE 68107 | (402) 505-8461 | aaaultimatepawn.com |
| AAA Ultimate Pawn | 5632 Ames Ave Omaha, NE 68104 | (402) 933-7829 | aaaultimatepawn.com |
| Aaa Ultimate Pawn Shop | 7419 N 30th St Omaha, NE 68112 | (402) 451-0433 | aaaultimatepawn.net |
| E-Z Money Pawn Shop | 4721 S 24th St Omaha, NE 68107 | (402) 731-8344 | ezmoneyomaha.com |
| E-Z Money Pawn Shop | 4860 S 137th St Omaha, NE 68137 | (402) 896-5151 | ezmoneyomaha.com |
| Four Aces Pawn Omaha | 6604 N 30th St Omaha, NE 68112 | (402) 455-1111 | fouracespawnomaha.com |
| Good Guys Gun and Pawn | 3724 S 132nd St Omaha, NE 68144 | (402) 397-2400 | gggpawn.com |
| Mid-City Jewelry & Loan | 515 S 15th St Omaha, NE 68102 | (402) 341-5466 | midcitypawnomaha.com |
| Sol's Jewelry & Loan | 14207 U St Omaha, NE 68137 | (402) 896-2633 | solsomaha.com |
| Sol's Jewelry & Loan | 2505 S 120th St Omaha, NE 68144 | (402) 334-8776 | solsomaha.com |
| Sol's Jewelry & Loan | 2906 N 72nd St Omaha, NE 68134 | (402) 397-2845 | solsomaha.com |
| Sol's Jewelry & Loan | 3110 L St Omaha, NE 68107 | (402) 731-2915 | solsomaha.com |
| Trader Mike's Cool Stuff Pawn & Junk Shop. | 2207 Military Ave Omaha, NE 68111 | (404) 686-4719 | — |
Pawn shops vs payday loan stores in Omaha
Omaha has 14 pawn shops and 2 payday, installment and title loan stores.
Pawn shops
14
2.5 per 100k residents
Payday & loan stores
2
0.4 per 100k residents
1 store chain
Biggest loan store chains in Omaha: OneMain Financial (2).
Borrowing $500 for one month: payday vs pawn vs credit union
| Option | How it works | Cost for one month |
|---|---|---|
| Payday loan (not legal in Nebraska) | $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 Omaha
- 2.2%
- Pawn cost, share of monthly household income in Omaha
- 1.5%
- A $400 emergency equals
- 1.8 days of income
Payday: a typical fee of $75 on a $500 loan for 2 weeks, paid twice for a one-month loan (Nebraska 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 Nebraska 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 NE | |
|---|---|---|
| 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 Nebraska | Pawnbrokers are licensed and regulated by Nebraska; fees, terms and holding periods are set by state law | Storefront payday loans are not allowed in Nebraska |
Omaha at a glance
- Median household income
- $82,306
- Nebraska: $79,262
- Poverty rate
- 11.8%
- Nebraska: 10.5%
- Households under $25,000
- 14.3%
- Nebraska: 13.9%
- A $400 emergency equals
- 1.8 days of income
Payday and installment loan stores in Omaha
For comparison: storefront payday, installment and title lenders in Omaha with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 12103 W Center Rd Omaha, NE 68144 | (402) 330-1610 | — | 3.8 |
| 7613 Cass St Omaha, NE 68114 | (402) 391-1224 | — | 3.1 |
Pawn shops near Omaha
More about Omaha
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.