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 Carson City, NV
5 pawn shops in and around Carson City — 7.7 per 100,000 residents, compared with 3.2 across Nevada. Call ahead to ask what they're buying and lending on today: inventory needs change weekly. Carson City ranks #1 of 6 Nevada cities with pawn shops by shops per resident.
- Pawn shops
- 5
- Pawn shops per 100k
- 7.7
- Nevada: 3.2
- Big-chain shops
- 1
- Payday & loan stores
- 6
- Population
- 65,163
Pawn shops in Carson City: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| AAA Ultimate Pawn | 892 E William St Carson City, NV 89701 | (775) 350-7621 | aaaultimatepawn.com |
| Best Pawn | 1804 E William St Carson City, NV 89701 | (775) 885-9999 | — |
| Carson Jewelry & Loan | 308 N Carson St Carson City, NV 89701 | (775) 883-1717 | battleborngems.com |
| Country Corner Pawn Mart | 601 N Carson St Carson City, NV 89701 | (775) 884-3333 | pawnusa.com |
| SuperpawnChain | 3816 Us-50 Carson City, NV 89701 | (775) 883-8896 | superpawn.com |
Pawn shops vs payday loan stores in Carson City
Carson City has 6 payday, installment and title loan stores but only 5 pawn shops.
Pawn shops
5
7.7 per 100k residents
Payday & loan stores
6
9.2 per 100k residents
5 store chains
Biggest loan store chains in Carson City: Dollar Loan Center (2), Advance America (1), Moneytree (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 (~652%+ 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 Carson City
- 2.5%
- Pawn cost, share of monthly household income in Carson City
- 1.7%
- A $400 emergency equals
- 2.0 days of income
Payday: a typical fee of $75 on a $500 loan for 2 weeks, paid twice for a one-month loan (Nevada 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 Nevada 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 NV | |
|---|---|---|
| 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 Nevada | Pawnbrokers are licensed and regulated by Nevada; fees, terms and holding periods are set by state law | Allowed, up to 25% of gross income; typical APR ~652%+ |
Carson City at a glance
- Median household income
- $71,280
- Nevada: $78,884
- Poverty rate
- 10.9%
- Nevada: 12.6%
- Households under $25,000
- 14.1%
- Nevada: 14.4%
- A $400 emergency equals
- 2.0 days of income
Payday and installment loan stores in Carson City
For comparison: storefront payday, installment and title lenders in Carson City with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 3325 Retail Dr #105 Carson City, NV 89706 | (775) 882-6999 | — | 4.9 |
| 3390 S Carson St City St Carson City, NV 89701 | (775) 841-2274 | — | 4.7 |
| 3331 Lincoln Hwy, #1 Carson City, NV 89701 | (775) 841-6330 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 2:00 PM Sun closed |
— |
| 2073 E William St Carson City, NV 89701 | (775) 882-2274 | — | 4.9 |
| 3823 S Carson St STE 24 Ste 24 Carson City, NV 89701 | (775) 671-3020 | — | — |
| 2020 E William St Carson City, NV 89701 | (775) 883-1252 | — | 5.0 |
Pawn shops near Carson City
More about Carson City
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.