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Pawn Shops vs Payday Loans in Dayton, OH
18 pawn shops in and around Dayton — 3.7 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. Dayton ranks #9 of 26 Ohio cities with pawn shops by shops per resident.
- Pawn shops
- 18
- Pawn shops per 100k
- 3.7
- Ohio: 2.0
- Big-chain shops
- 5
- Payday & loan stores
- 8
- Population
- 485,366
Pawn shops in Dayton: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| All-Star Pawn | 1325 E 3rd St Dayton, OH 45403 | (937) 522-0510 | allstarpawndayton.com |
| Anybody's Pawn Shop | 1525 Wayne Ave Dayton, OH 45410 | (937) 228-3079 | anybodyspawn.com |
| Cash America PawnChain | 2933 Linden Ave Dayton, OH 45410 | (937) 252-0434 | firstcash.com |
| Cash America PawnChain | 5586 N Springboro Pike Dayton, OH 45449 | (937) 298-2726 | firstcash.com |
| CashlandChain | 4977 N Main St Dayton, OH 45415 | (937) 278-0148 | cashland.com |
| CashlandChain | 602 Woodman Dr Dayton, OH 45431 | (937) 253-7842 | cashland.com |
| CashlandChain | 6375 Chambersburg Rd Huber Heights, OH 45424 | (937) 233-4397 | cashland.com |
| Don's Pawn Shop | 107 E 3rd St Dayton, OH 45402 | (937) 228-8062 | donspawnshop.com |
| Dugan's Pawn Shop | 4625 N Dixie Dr Dayton, OH 45414 | (937) 275-3684 | duganspawn.com |
| Gordon's Jewelry and Loan | 1500 E 3rd St Dayton, OH 45403 | (937) 220-9977 | gordonsloan.com |
| Lev's Pawn Shop | 3551 Salem Ave Dayton, OH 45406 | (937) 274-7296 | levspawn.com |
| Moraine City Pawn | 4725 Springboro Pike Dayton, OH 45439 | (937) 297-9112 | — |
| Mr. Pawn Shop | 1340 Linden Ave Dayton, OH 45410 | (937) 253-7000 | mrpawnshop.com |
| Ohio Loan Co Inc | 3028 Salem Ave Dayton, OH 45406 | (937) 278-5991 | ohioloanco.com |
| Ohio Loan Co. | 1171 W 3rd St Dayton, OH 45402 | (937) 228-5991 | ohioloanco.com |
| Old World Jewelry and Loan | 3716 N Main St Dayton, OH 45405 | (937) 275-3226 | oldworldjewelrydayton.com |
| Rich's Pawn Shop | 708 Watervliet Ave Dayton, OH 45420 | (937) 254-7296 | richsdiamonds.com |
| The Loan Star Pawn Shop | 5335 N Dixie Dr Dayton, OH 45414 | (937) 277-3344 | loanstarpawnshop.net |
Pawn shops vs payday loan stores in Dayton
Dayton has 18 pawn shops and 8 payday, installment and title loan stores.
Pawn shops
18
3.7 per 100k residents
Payday & loan stores
8
1.6 per 100k residents
6 store chains
Biggest loan store chains in Dayton: OneMain Financial (3), ACE Cash Express (1), Advance America (1), Check 'n Go (1), 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 Dayton
- 2.6%
- Pawn cost, share of monthly household income in Dayton
- 1.7%
- A $400 emergency equals
- 2.1 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% |
Dayton at a glance
- Median household income
- $70,486
- Ohio: $74,030
- Poverty rate
- 15.5%
- Ohio: 13.3%
- Households under $25,000
- 18.9%
- Ohio: 16.4%
- A $400 emergency equals
- 2.1 days of income
Payday and installment loan stores in Dayton
For comparison: storefront payday, installment and title lenders in Dayton with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 127 N Springboro Pike Dayton, OH 45449 | (937) 435-2927 | — | 4.0 |
| 2314 E Dorothy Ln Kettering, OH 45420 | (937) 294-2761 | — | 3.1 |
| 7717 Old Troy Pike Huber Heights, OH 45424 | (937) 233-0101 | — | 4.1 |
| 3516 W Siebenthaler Ave Dayton, OH 45406 | (937) 275-4912 | — | 4.9 |
| 2758 Wilmington Pike Kettering, OH 45419 | (937) 643-1013 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat–Sun closed |
— |
| 4130 Linden Ave Suite 309 Dayton, OH 45432 | (937) 637-0847 | — | 4.9 |
| 761 Lyons Rd Dayton, OH 45459 | (937) 401-0900 | — | 4.7 |
| 1273 N Fairfield Rd Beavercreek, OH 45432 | (937) 320-4400 | — | 4.8 |
Pawn shops near Dayton
More about Dayton
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.