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 Sparks, NV
5 pawn shops in and around Sparks — 3.8 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. Sparks ranks #2 of 6 Nevada cities with pawn shops by shops per resident.
- Pawn shops
- 5
- Pawn shops per 100k
- 3.8
- Nevada: 3.2
- Big-chain shops
- 1
- Payday & loan stores
- 7
- Population
- 130,645
Pawn shops in Sparks: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| All American Jewelry and Loan | 1376 Sullivan Ln Sparks, NV 89431 | (775) 358-7296 | allamericanjewelryloan.com |
| Mega Pawn | 2021 Glendale Ave Sparks, NV 89431 | (775) 356-7296 | usautotitleloan.com |
| MetroPawn | 255 E Glendale Ave Sparks, NV 89431 | (775) 359-5151 | ezpawn.com |
| Pawnbroker.com | 1534 Pittman Ave Sparks, NV 89431 | (832) 356-7296 | pawnbroker.com |
| SuperpawnChain | 641 S Rock Blvd Sparks, NV 89431 | (775) 331-4044 | firstcash.com |
Pawn shops vs payday loan stores in Sparks
Sparks has 7 payday, installment and title loan stores but only 5 pawn shops.
Pawn shops
5
3.8 per 100k residents
Payday & loan stores
7
5.4 per 100k residents
6 store chains
Biggest loan store chains in Sparks: Dollar Loan Center (2), Advance America (1), Check City (1), Moneytree (1), OneMain Financial (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 Sparks
- 1.9%
- Pawn cost, share of monthly household income in Sparks
- 1.3%
- A $400 emergency equals
- 1.6 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%+ |
Sparks at a glance
- Median household income
- $93,001
- Nevada: $78,884
- Poverty rate
- 8.5%
- Nevada: 12.6%
- Households under $25,000
- 9.0%
- Nevada: 14.4%
- A $400 emergency equals
- 1.6 days of income
Payday and installment loan stores in Sparks
For comparison: storefront payday, installment and title lenders in Sparks with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 5272 Sparks Blvd Sparks, NV 89436 | (775) 800-8040 | — | 4.1 |
| 889 Sparks Blvd Sparks, NV 89434 | (775) 284-5629 | — | 4.4 |
| 2855 N. McCarran Blvd, Ste 104 Sparks, NV 89431 | (775) 331-7201 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:30 AM – 2:30 AM Sun closed |
— |
| 2945 El Rancho Dr Ste 105-107 Sparks, NV 89431 | (775) 996-1919 | — | 4.7 |
| 1475 E Prater Way Ste 109 Sparks, NV 89434 | (775) 359-1900 | — | 4.7 |
| 4751 Galleria Pkwy Ste 109 Sparks, NV 89436 | (775) 335-2262 | — | 2.9 |
| Rapid Cash 690 E Prater Way Sparks, NV 89431 | (775) 358-7428 | — | 4.8 |
Pawn shops near Sparks
More about Sparks
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.