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 Eugene, OR
4 pawn shops in and around Eugene — 1.9 per 100,000 residents, compared with 1.6 across Oregon. Call ahead to ask what they're buying and lending on today: inventory needs change weekly. Eugene ranks #7 of 11 Oregon cities with pawn shops by shops per resident.
- Pawn shops
- 4
- Pawn shops per 100k
- 1.9
- Oregon: 1.6
- Big-chain shops
- 0
- Payday & loan stores
- 5
- Population
- 212,416
Pawn shops in Eugene: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Ace Buyers | 823B State Hwy 99 N Eugene, OR 97402 | (541) 393-3700 | acebuyers.com |
| Ace Buyers Downtown | 1235 Willamette St Eugene, OR 97401 | (541) 654-8981 | acebuyers.com |
| Ace Trading Company | 3697 Franklin Blvd Eugene, OR 97403 | (541) 726-1735 | acetradingco.net |
| Northwest Pawn | 2940 W 11th Ave Eugene, OR 97402 | (541) 688-8569 | facebook.com |
Pawn shops vs payday loan stores in Eugene
Eugene has 5 payday, installment and title loan stores but only 4 pawn shops.
Pawn shops
4
1.9 per 100k residents
Payday & loan stores
5
2.4 per 100k residents
4 store chains
Biggest loan store chains in Eugene: OneMain Financial (2), ACE Cash Express (1), Mariner Finance (1), loanDepot (1).
Borrowing $500 for one month: payday vs pawn vs credit union
| Option | How it works | Cost for one month |
|---|---|---|
| Payday loan (~154% APR) | $50.00 fee every 2 weeks, renewed once | $100.00 |
| 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 Eugene
- 1.7%
- Pawn cost, share of monthly household income in Eugene
- 1.7%
- A $400 emergency equals
- 2.1 days of income
Payday: the OR maximum — $50 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 Oregon 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 OR | |
|---|---|---|
| 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 Oregon | Pawnbrokers are licensed and regulated by Oregon; fees, terms and holding periods are set by state law | Allowed, up to $500; typical APR ~154% |
Eugene at a glance
- Median household income
- $69,584
- Oregon: $83,810
- Poverty rate
- 17.4%
- Oregon: 11.9%
- Households under $25,000
- 18.3%
- Oregon: 13.9%
- A $400 emergency equals
- 2.1 days of income
Payday and installment loan stores in Eugene
For comparison: storefront payday, installment and title lenders in Eugene with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1020 Green Acres Rd #1a Eugene, OR 97408 | (541) 683-3844 | — | 4.2 |
| 3333 W 11th Ave e Eugene, OR 97402 | (541) 465-3800 | — | 4.1 |
| 895 W 7th Ave Eugene, OR 97402 | (541) 345-2274 | — | 4.7 |
| 45 Division Ave Ste g Eugene, OR 97404 | (458) 250-4320 | — | 4.8 |
| 1700 Valley River Dr Ste 200 Eugene, OR 97401 | (541) 854-6050 | — | 4.8 |
Pawn shops near Eugene
More about Eugene
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.