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 North Las Vegas, NV
7 pawn shops in and around North Las Vegas — 2.6 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. North Las Vegas ranks #6 of 6 Nevada cities with pawn shops by shops per resident.
- Pawn shops
- 7
- Pawn shops per 100k
- 2.6
- Nevada: 3.2
- Big-chain shops
- 6
- Payday & loan stores
- 13
- Population
- 267,181
Pawn shops in North Las Vegas: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Bargain Pawn | 1901 Las Vegas Blvd N N. Las Vegas, NV 89030 | (702) 399-9950 | bargainpawn.com |
| EZPAWNChain | 1832 Las Vegas Blvd N North Las Vegas, NV 89030 | (702) 649-8533 | ezpawn.com |
| EZPAWNChain | 2820 E Craig Rd North Las Vegas, NV 89030 | (702) 632-3200 | ezpawn.com |
| EZPAWNChain | 6380 N Decatur Blvd Ste 255 Las Vegas, NV 89084 | (702) 341-7296 | ezpawn.com |
| SuperpawnChain | 1611 Las Vegas Blvd N North Las Vegas, NV 89030 | (702) 642-1133 | firstcash.com |
| SuperpawnChain | 2020 W Craig Rd #200 North Las Vegas, NV 89032 | (702) 638-0323 | superpawn.com |
| SuperpawnChain | 6424 N Losee Rd Ste 135 North Las Vegas, NV 89086 | (702) 873-5823 | firstcash.com |
Pawn shops vs payday loan stores in North Las Vegas
North Las Vegas has 13 payday, installment and title loan stores but only 7 pawn shops.
Pawn shops
7
2.6 per 100k residents
Payday & loan stores
13
4.9 per 100k residents
8 store chains
Biggest loan store chains in North Las Vegas: Dollar Loan Center (5), Speedy Cash (2), Advance America (1), Check City (1), Moneytree (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 North Las Vegas
- 2.3%
- Pawn cost, share of monthly household income in North Las Vegas
- 1.5%
- A $400 emergency equals
- 1.9 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%+ |
North Las Vegas at a glance
- Median household income
- $77,560
- Nevada: $78,884
- Poverty rate
- 12.5%
- Nevada: 12.6%
- Households under $25,000
- 13.4%
- Nevada: 14.4%
- A $400 emergency equals
- 1.9 days of income
Payday and installment loan stores in North Las Vegas
For comparison: storefront payday, installment and title lenders in North Las Vegas with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 2445 W Craig Rd North Las Vegas, NV 89032 | (702) 649-5626 | — | 4.9 |
| 2590 E Craig Rd North Las Vegas, NV 89081 | (702) 478-2436 | — | 3.0 |
| 2711 Las Vegas Blvd N North Las Vegas, NV 89030 | (702) 266-9600 | — | 4.4 |
| 2805 W Centennial Pkwy North Las Vegas, NV 89031 | (702) 947-3305 | — | 4.6 |
| 3840 W Lake Mead Blvd #115 North Las Vegas, NV 89032 | (702) 476-3190 | — | 1.0 |
| Rapid Cash 1360 W Cheyenne Ave Ste 101 North Las Vegas, NV 89030 | (702) 399-1990 | — | 5.0 |
| Rapid Cash 2332 Civic Center Dr North Las Vegas, NV 89030 | (702) 331-5020 | — | 4.9 |
| 3073 W. Craig Rd., Ste. 8 North Las Vegas, NV 89032 | (702) 631-9249 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 825 W Craig Rd #100/101 North Las Vegas, NV 89032 | (702) 216-1999 | — | 4.8 |
| 4210 W Craig Rd #106 North Las Vegas, NV 89032 | (702) 396-2220 | — | 4.9 |
| 740 E Dorrell Ln Ste 120 North Las Vegas, NV 89086 | (702) 984-5620 | — | 4.0 |
| 2235 E Cheyenne Ave North Las Vegas, NV 89030 | (866) 488-6090 | — | 2.0 |
| 2590 Nature Park Dr #125 North Las Vegas, NV 89084 | (725) 605-7400 | — | 4.9 |
Pawn shops near North Las Vegas
More about North Las Vegas
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.