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Pawn Shops vs Payday Loans in Tulsa, OK
25 pawn shops in and around Tulsa — 5.7 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. Tulsa ranks #4 of 8 Oklahoma cities with pawn shops by shops per resident.
- Pawn shops
- 25
- Pawn shops per 100k
- 5.7
- Oklahoma: 5.6
- Big-chain shops
- 9
- Payday & loan stores
- 23
- Population
- 435,134
Pawn shops in Tulsa: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Arrow Pawn Shop | 303 S 193rd East Ave Tulsa, OK 74108 | (918) 266-7854 | — |
| Big Time Pawn And Gun | 4038 E 11th St Tulsa, OK 74112 | (918) 835-9292 | — |
| Cash America PawnChain | 1130 S Memorial Dr Tulsa, OK 74112 | (918) 835-0141 | find.cashamerica.us |
| Cash America PawnChain | 1430 S Denver Ave. Tulsa, OK 74119 | (918) 582-8451 | t.co |
| Cash America PawnChain | 4933 S Peoria Ave Tulsa, OK 74105 | (918) 748-8271 | firstcash.com |
| Diamond Jim's Jewelry & Pawn | 3333 S Harvard Ave Tulsa, OK 74135 | (918) 743-7712 | diamondjims.biz |
| EZPAWNChain | 2198 S Sheridan Rd Tulsa, OK 74129 | (918) 835-7296 | ezpawn.com |
| EZPAWNChain | 3118 S Garnett Rd Ste. A Tulsa, OK 74146 | (918) 270-2662 | ezpawn.com |
| EZPAWNChain | 3746 E Admiral Pl Tulsa, OK 74115 | (918) 832-1212 | ezpawn.com |
| EZPAWNChain | 6040 S Peoria Ave Tulsa, OK 74105 | (918) 744-4012 | ezpawn.com |
| EZPAWNChain | 7482 E Admiral Pl Tulsa, OK 74115 | (918) 835-3638 | ezpawn.com |
| EZPAWNChain | 800 S Utica Ave Tulsa, OK 74104 | (918) 582-8797 | ezpawn.com |
| Fast Bucks Pawn | 6411 N Peoria Ave Tulsa, OK 74126 | (918) 425-5678 | fastbuckspawn.com |
| Gray's Jewelry Gun And Pawn | 2940 W Skelly Dr Tulsa, OK 74107 | (918) 447-2274 | graysjewelrygunandpawn.com |
| Green Country Arms & Pawn | 9075 E 31st St Tulsa, OK 74145 | (918) 664-5529 | greencountrypawn.com |
| Once A Pawn A Time | 3184 S Mingo Rd Tulsa, OK 74146 | (918) 664-7710 | pawnittulsa.com |
| Penrose Pawn Shop | 4901 S Sheridan Rd Tulsa, OK 74145 | (918) 500-7880 | penrosepawnshop.com |
| Second Hand Rose Pawn Shop | 2100 E 3rd St Tulsa, OK 74104 | (918) 584-8181 | secondhandrose.com |
| Silver Dollar Jewelry & Pawn | 6573 E 71st St Tulsa, OK 74133 | (918) 496-1221 | — |
| Silver Dollar Jewelry and Pawn | 4125 S Peoria Ave Tulsa, OK 74105 | (918) 744-8666 | sdjp.com |
| Smart Pawn and Jewelry | 3130 S Sheridan Rd Tulsa, OK 74145 | (918) 665-0009 | smartpawnandjewelry.com |
| Top Dollar Pawn and Check Cashing | 4 North Harvard Avenue Tulsa, OK 74115 | (918) 838-0004 | topdollartulsa.com |
| Tulsa County Pawn | 5107 S 33rd W Ave Tulsa, OK 74107 | (918) 583-6000 | tulsacounty.com |
| Urban Pawn | 7617 E 11th St Tulsa, OK 74112 | (918) 835-2000 | — |
| Wild West Gun and Pawn | 6412 N Peoria Ave Tulsa, OK 74126 | (918) 949-3553 | — |
Pawn shops vs payday loan stores in Tulsa
Tulsa has 25 pawn shops and 23 payday, installment and title loan stores.
Pawn shops
25
5.7 per 100k residents
Payday & loan stores
23
5.3 per 100k residents
11 store chains
Biggest loan store chains in Tulsa: ACE Cash Express (7), Check 'n Go (4), Advance America (2), OneMain Financial (2), Security Finance (2).
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 Tulsa
- 2.9%
- Pawn cost, share of monthly household income in Tulsa
- 2.0%
- A $400 emergency equals
- 2.4 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% |
Tulsa at a glance
- Median household income
- $61,389
- Oklahoma: $66,838
- Poverty rate
- 18.4%
- Oklahoma: 15.4%
- Households under $25,000
- 19.4%
- Oklahoma: 17.8%
- A $400 emergency equals
- 2.4 days of income
Payday and installment loan stores in Tulsa
For comparison: storefront payday, installment and title lenders in Tulsa with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 10664 E 31st St Ste B Tulsa, OK 74146 | (918) 270-1609 | — | 4.4 |
| 1245 S Garnett Rd Tulsa, OK 74128 | (918) 234-6006 | — | 4.6 |
| 1507 W 51st St Tulsa, OK 74107 | (918) 447-3385 | — | 4.8 |
| 275 S Lewis Ave Tulsa, OK 74104 | (918) 584-3177 | — | 4.9 |
| 6005 S Peoria Ave Tulsa, OK 74105 | (918) 747-2457 | — | 4.8 |
| 6230 N Peoria Ave Tulsa, OK 74126 | (918) 425-0096 | — | 4.8 |
| 845 N Sheridan Rd Tulsa, OK 74115 | (918) 836-0025 | — | 4.8 |
| 2146 S Sheridan Rd Tulsa, OK 74129 | (918) 836-7225 | — | 4.8 |
| 3712 E 51st St Tulsa, OK 74135 | (918) 293-0577 | — | 4.8 |
| 4963 S Union Ave Tulsa, OK 74107 | (918) 447-9653 | — | 4.9 |
| 7109 S Memorial Dr Tulsa, OK 74133 | (918) 252-7378 | — | 4.9 |
| 1620 N. Lewis Ave. Tulsa, OK 74110 | (918) 585-9962 | Mon–Fri 9:00 AM – 5:30 PM Sat 10:00 AM – 1:00 PM Sun closed |
— |
| 9441 E. 31st St. Tulsa, OK 74145 | (918) 280-0800 | Mon–Fri 9:00 AM – 5:30 PM Sat 10:00 AM – 1:00 PM Sun closed |
— |
| 1631 S Yale Ave Ste 3 Tulsa, OK 74112 | (918) 272-7719 | — | 4.2 |
| 3602 E 51st St Tulsa, OK 74135 | (918) 744-5320 | — | 3.7 |
| 1915 S Yale Ave Tulsa, OK 74112 | (918) 835-5772 | — | 4.7 |
| 6709 E 81st St Ste E Tulsa, OK 74133 | (918) 499-0306 | — | 4.8 |
| 4271 Southwest Blvd Tulsa, OK 74107 | (918) 445-5189 | — | 4.1 |
| 5032 S Memorial Dr Tulsa, OK 74145 | (918) 621-4466 | — | 4.7 |
| 10140 E 71st St Ste C Tulsa, OK 74133 | (539) 242-5025 | — | 5.0 |
| 1517 S Harvard Ave Spc B Tulsa, OK 74112 | (918) 208-0381 | — | 4.9 |
| Shamrock Finance 1523B S Harvard Ave Tulsa, OK 74112 | (918) 270-2700 | — | 4.4 |
| 5200 S Yale Ave Suite 605C Tulsa, OK 74135 | (918) 410-1080 | — | 3.3 |
Pawn shops near Tulsa
More about Tulsa
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.