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 Findlay, OH
4 pawn shops in and around Findlay — 7.4 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. Findlay ranks #3 of 26 Ohio cities with pawn shops by shops per resident.
- Pawn shops
- 4
- Pawn shops per 100k
- 7.4
- Ohio: 2.0
- Big-chain shops
- 2
- Payday & loan stores
- 4
- Population
- 54,342
Pawn shops in Findlay: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Cash America PawnChain | 1926-A Tiffin Ave. Findlay, OH 45840 | — | — |
| CashlandChain | 1055 Tiffin Ave Findlay, OH 45840 | (419) 424-3443 | cashland.com |
| Pack Rats Pawn Shop Findlay | 10205 Us-224 Findlay, OH 45840 | (567) 301-2018 | packratspawnshopoh.hibuwebsites.com |
| Pack Rats Pawn Shop Findlay East | 2018 Tiffin Ave Ste 1 Findlay, OH 45840 | (567) 250-9009 | packratspawnshop.com |
Pawn shops vs payday loan stores in Findlay
Findlay has 4 pawn shops and 4 payday, installment and title loan stores.
Pawn shops
4
7.4 per 100k residents
Payday & loan stores
4
7.4 per 100k residents
3 store chains
Biggest loan store chains in Findlay: loanDepot (2), Lendmark Financial Services (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 (~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 Findlay
- 2.8%
- Pawn cost, share of monthly household income in Findlay
- 1.9%
- A $400 emergency equals
- 2.3 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% |
Findlay at a glance
- Median household income
- $64,076
- Ohio: $74,030
- Poverty rate
- 11.6%
- Ohio: 13.3%
- Households under $25,000
- 14.5%
- Ohio: 16.4%
- A $400 emergency equals
- 2.3 days of income
Payday and installment loan stores in Findlay
For comparison: storefront payday, installment and title lenders in Findlay with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1100 Tiffin Ave #1 Findlay, OH 45840 | (419) 504-7950 | — | 4.9 |
| 524 S Main St Findlay, OH 45840 | (419) 504-7967 | — | 5.0 |
| 2023 Tiffin Ave #5 Findlay, OH 45840 | (567) 525-8020 | — | 4.3 |
| 1924 Tiffin Ave Findlay, OH 45840 | (419) 423-0615 | — | 4.2 |
Pawn shops near Findlay
More about Findlay
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.