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 Stillwater, OK
4 pawn shops in and around Stillwater — 6.6 per 100,000 residents, compared with 5.6 across Oklahoma. Call ahead to ask what they're buying and lending on today: inventory needs change weekly. Stillwater ranks #3 of 8 Oklahoma cities with pawn shops by shops per resident.
- Pawn shops
- 4
- Pawn shops per 100k
- 6.6
- Oklahoma: 5.6
- Big-chain shops
- 1
- Payday & loan stores
- 6
- Population
- 60,676
Pawn shops in Stillwater: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Best Pawn & Trading Company, Llc | 229 S Perkins Rd Stillwater, OK 74074 | (405) 624-2274 | jlkprod.com |
| Cowboy Guns & Gold | 716 N Main St Stillwater, OK 74075 | (405) 332-5511 | — |
| EZPAWNChain | 702 N Perkins Rd Stillwater, OK 74075 | (405) 372-7077 | ezpawn.com |
| Hot Rod Pawn Shop | 2016 S Main St Stillwater, OK 74074 | (405) 533-1888 | — |
Pawn shops vs payday loan stores in Stillwater
Stillwater has 6 payday, installment and title loan stores but only 4 pawn shops.
Pawn shops
4
6.6 per 100k residents
Payday & loan stores
6
9.9 per 100k residents
5 store chains
Biggest loan store chains in Stillwater: Security Finance (2), Check 'n Go (1), OneMain Financial (1), Sun Loan Company (1), Western Shamrock Finance (1).
Borrowing $500 for one month: payday vs pawn vs credit union
| Option | How it works | Cost for one month |
|---|---|---|
| Payday loan (~391% 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 Stillwater
- 3.7%
- Pawn cost, share of monthly household income in Stillwater
- 2.5%
- A $400 emergency equals
- 3.0 days of income
Payday: the OK maximum — $75 on a $500 loan for 2 weeks, paid twice for a one-month loan. Pawn: an example rate of 20% a month; pawn fees and interest are set by Oklahoma 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. Income: U.S. Census Bureau, American Community Survey.
Pawn loan vs payday loan: the key differences
| Pawn loan | Payday loan in OK | |
|---|---|---|
| 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 Oklahoma | Pawnbrokers are licensed and regulated by Oklahoma; fees, terms and holding periods are set by state law | Allowed, up to $500; typical APR ~391% |
Stillwater at a glance
- Median household income
- $48,103
- Oklahoma: $66,838
- Poverty rate
- 25.0%
- Oklahoma: 15.4%
- Households under $25,000
- 29.8%
- Oklahoma: 17.8%
- A $400 emergency equals
- 3.0 days of income
Payday and installment loan stores in Stillwater
For comparison: storefront payday, installment and title lenders in Stillwater with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 207 S Perkins Rd Stillwater, OK 74074 | (405) 743-0621 | — | 5.0 |
| Sunbelt Credit 211 N Perkins Rd Suite 9 Stillwater, OK 74075 | (405) 624-1011 | — | 4.0 |
| 211 N Perkins Rd Ste 8 Stillwater, OK 74075 | (405) 743-5980 | — | 4.8 |
| 2240 N Perkins Rd #230 Stillwater, OK 74075 | (405) 707-0524 | — | 3.8 |
| 217 S Perkins Rd Stillwater, OK 74074 | (405) 372-9800 | — | 4.9 |
| Shamrock Finance 212 N Main St Stillwater, OK 74075 | (405) 624-6240 | — | 4.6 |
Pawn shops near Stillwater
More about Stillwater
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.