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 Harrisburg, PA
3 pawn shops in and around Harrisburg — 1.6 per 100,000 residents, compared with 1.0 across Pennsylvania. Call ahead to ask what they're buying and lending on today: inventory needs change weekly. Harrisburg ranks #17 of 25 Pennsylvania cities with pawn shops by shops per resident.
- Pawn shops
- 3
- Pawn shops per 100k
- 1.6
- Pennsylvania: 1.0
- Big-chain shops
- 0
- Payday & loan stores
- 5
- Population
- 183,427
Pawn shops in Harrisburg: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Capitol City Buy Sell Pawn | 3517 Walnut St Harrisburg, PA 17109 | (717) 409-8597 | harrisburgpapawn.com |
| Simple Gold Exchange - CASH FOR GOLD SILVER AND GOLD COINS | 4600 Jonestown Rd Lower Paxton Twp, PA 17109 | (484) 363-9252 | — |
| Top Cash Paid | 3405 Walnut St Harrisburg, PA 17109 | (717) 460-0099 | topcashpaid24-7.com |
Pawn shops vs payday loan stores in Harrisburg
Harrisburg has 5 payday, installment and title loan stores but only 3 pawn shops.
Pawn shops
3
1.6 per 100k residents
Payday & loan stores
5
2.7 per 100k residents
4 store chains
Biggest loan store chains in Harrisburg: OneMain Financial (2), Lendmark Financial Services (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 (not legal in Pennsylvania) | $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 Harrisburg
- 2.4%
- Pawn cost, share of monthly household income in Harrisburg
- 1.6%
- A $400 emergency equals
- 2.0 days of income
Payday: a typical fee of $75 on a $500 loan for 2 weeks, paid twice for a one-month loan (Pennsylvania 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 Pennsylvania 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 PA | |
|---|---|---|
| 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 Pennsylvania | Pawnbrokers are licensed and regulated by Pennsylvania; fees, terms and holding periods are set by state law | Storefront payday loans are not allowed in Pennsylvania |
Harrisburg at a glance
- Median household income
- $74,807
- Pennsylvania: $81,657
- Poverty rate
- 13.4%
- Pennsylvania: 11.9%
- Households under $25,000
- 15.3%
- Pennsylvania: 15.3%
- A $400 emergency equals
- 2.0 days of income
Payday and installment loan stores in Harrisburg
For comparison: storefront payday, installment and title lenders in Harrisburg with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 3843 Union Deposit Rd Harrisburg, PA 17109 | (717) 564-8899 | — | 3.9 |
| 939 E Park Dr #200 Harrisburg, PA 17111 | (717) 564-7467 | — | 4.5 |
| 6301 Grayson Rd Harrisburg, PA 17111 | (717) 409-6360 | — | 3.4 |
| 3868 Union Deposit Rd Harrisburg, PA 17109 | (717) 671-1660 | — | 4.7 |
| 2090 Linglestown Rd #103 Harrisburg, PA 17110 | (717) 678-6370 | — | 3.6 |
Pawn shops near Harrisburg
More about Harrisburg
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.