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Pawn Shops vs Payday Loans in Cincinnati, OH
21 pawn shops in and around Cincinnati — 2.6 per 100,000 residents, compared with 2.0 across Ohio. Call ahead to ask what they're buying and lending on today: inventory needs change weekly. Cincinnati ranks #16 of 26 Ohio cities with pawn shops by shops per resident.
- Pawn shops
- 21
- Pawn shops per 100k
- 2.6
- Ohio: 2.0
- Big-chain shops
- 8
- Payday & loan stores
- 12
- Population
- 814,555
Pawn shops in Cincinnati: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| American Trading Company | 3209 W Galbraith Rd Cincinnati, OH 45239 | (513) 385-6789 | americantradeco.net |
| American Trading Company | 3621 A Harrison Ave Cheviot, OH 45211 | (513) 661-3633 | americantradeco.net |
| Cash America PawnChain | 10090 Springfield Pike Cincinnati, OH 45215 | (513) 771-3700 | firstcash.com |
| Cash America PawnChain | 4875 Reading Rd Cincinnati, OH 45237 | (513) 641-3806 | firstcash.com |
| Cash America PawnChain | 5223 Glenway Ave Cincinnati, OH 45238 | (513) 661-9200 | firstcash.com |
| Cash America PawnChain | 6926 Montgomery Rd Cincinnati, OH 45236 | (513) 891-0300 | find.cashamerica.us |
| Cash America PawnChain | 7671 Colerain Ave Cincinnati, OH 45239 | (513) 522-3900 | firstcash.com |
| Cash America PawnChain | 7901 Reading Rd Cincinnati, OH 45237 | (513) 821-5088 | firstcash.com |
| CashlandChain | 11008 Hamilton Ave Cincinnati, OH 45231 | (513) 851-7800 | cashland.com |
| CashlandChain | 5708 Glenway Ave Cincinnati, OH 45238 | (513) 451-0900 | cashland.com |
| Classic Pawn | 12100 Montgomery Rd Cincinnati, OH 45249 | (513) 774-7296 | classicpawnshop.com |
| Queen City Jewelry & Pawn | 7935 Reading Rd Cincinnati, OH 45237 | (513) 979-4834 | queencityjewelry.com |
| Stan's Pawn Shop Inc | 608 W Wyoming Ave Cincinnati, OH 45215 | (513) 821-3962 | — |
| Ted's Pawn | 4028 Forest Ave Norwood, OH 45212 | (513) 631-1246 | tedspawn.com |
| Ted's Pawn Shop | 2026 Delaware Ave Norwood, OH 45212 | (513) 631-2112 | youtube.com |
| The Castle Jewelry and Pawn | 1688 E Kemper Rd Cincinnati, OH 45246 | (513) 772-4653 | thecastlejewelry.com |
| The Castle Jewelry And Pawn Of Cincinnati | 8429 Beechmont Ave Cincinnati, OH 45255 | (513) 407-8946 | thecastlejewelry.com |
| The Money Vault Jewelry and Loan | 2190 Queen City Ave Cincinnati, OH 45214 | (513) 834-5928 | moneyvaultpawn.com |
| The Money Vault Jewelry and Loan | 7764 Colerain Ave Cincinnati, OH 45239 | (513) 407-3252 | moneyvaultpawn.com |
| West End Loan | 1113 Vine St Cincinnati, OH 45202 | (513) 241-3803 | westendloan.com |
| ZHO jewelry and cell phone | 5213 Glenway Ave Cincinnati, OH 45238 | (513) 244-1999 | — |
Pawn shops vs payday loan stores in Cincinnati
Cincinnati has 21 pawn shops and 12 payday, installment and title loan stores.
Pawn shops
21
2.6 per 100k residents
Payday & loan stores
12
1.5 per 100k residents
5 store chains
Biggest loan store chains in Cincinnati: OneMain Financial (5), ACE Cash Express (2), Advance America (2), Mariner Finance (2), Lendmark Financial Services (1).
Borrowing $500 for one month: payday vs pawn vs credit union
| Option | How it works | Cost for one month |
|---|---|---|
| Payday loan (~28% 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 Cincinnati
- 2.4%
- Pawn cost, share of monthly household income in Cincinnati
- 1.6%
- 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 (Ohio 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 Ohio 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 OH | |
|---|---|---|
| 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 Ohio | Pawnbrokers are licensed and regulated by Ohio; fees, terms and holding periods are set by state law | Allowed, up to $1,000; typical APR ~28% |
Cincinnati at a glance
- Median household income
- $73,894
- Ohio: $74,030
- Poverty rate
- 15.4%
- Ohio: 13.3%
- Households under $25,000
- 18.2%
- Ohio: 16.4%
- A $400 emergency equals
- 2.0 days of income
Payday and installment loan stores in Cincinnati
For comparison: storefront payday, installment and title lenders in Cincinnati with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 11336 Princeton Pike Cincinnati, OH 45246 | (513) 771-0336 | — | 4.2 |
| 2038 Beechmont Ave Cincinnati, OH 45230 | — | — | 1.0 |
| 4440 Glen Este-Withamsville Rd Cincinnati, OH 45245 | (513) 753-8470 | — | 3.5 |
| 6175 Glenway Ave C Cincinnati, OH 45211 | (513) 661-9939 | — | 3.6 |
| 8433 Colerain Ave Cincinnati, OH 45239 | (513) 923-3000 | — | 4.6 |
| 2516 Victory Pkwy Cincinnati, OH 45206 | (513) 751-2274 | — | 4.8 |
| 4981 Vine St Cincinnati, OH 45217 | (513) 641-0756 | — | 4.9 |
| 10589 Springfield Pike Cincinnati, OH 45215 | (513) 771-1114 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat–Sun closed |
— |
| 8320 Colerain Avenue Cincinnati, OH 45239 | (513) 923-2247 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat–Sun closed |
— |
| 3657-D Stone Creek Blvd Cincinnati, OH 45251 | (513) 873-4440 | — | 4.8 |
| 4394 Eastgate Square Dr #1800 Cincinnati, OH 45245 | (513) 630-1350 | — | 4.7 |
| 454 Ohio Pike #22 Cincinnati, OH 45255 | (513) 813-0300 | — | 5.0 |
Pawn shops near Cincinnati
More about Cincinnati
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.