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Pawn Shops vs Payday Loans in Philadelphia, PA
27 pawn shops in and around Philadelphia — 1.7 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. Philadelphia ranks #15 of 25 Pennsylvania cities with pawn shops by shops per resident.
- Pawn shops
- 27
- Pawn shops per 100k
- 1.7
- Pennsylvania: 1.0
- Big-chain shops
- 0
- Payday & loan stores
- 24
- Population
- 1,582,836
Pawn shops in Philadelphia: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| 1st United Pawn & Loan | 1123 S Broad St Philadelphia, PA 19147 | (215) 468-4200 | 1stunitedpawn.com |
| Accurate Gold Refiners & Assayers | 805 Sansom St Fl 2 Philadelphia, PA 19107 | (215) 525-3227 | accurategold.com |
| Bob's Check Cashing & Pawn Shop | 2777 Kensington Ave Philadelphia, PA 19134 | (215) 423-2420 | handsonsite.com |
| Camera & Sport Shops Inc | 3617 Germantown Ave Philadelphia, PA 19140 | (215) 228-8160 | — |
| Carver W Reed & Co. | 121 S 10th St Philadelphia, PA 19107 | (215) 923-1443 | carverwreed.com |
| Cash Express Pawn Shop | 731 Chestnut St Philadelphia, PA 19106 | (215) 922-1560 | phillypawnshopexpress.com |
| Cash For Gold Philadelphia | 6718 Frankford Ave Philadelphia, PA 19135 | (267) 227-1229 | sellyourgold.com |
| City Avenue Pawnshop Outlet | 5006 City Ave Philadelphia, PA 19131 | (215) 477-6600 | cityavenuepawnshopoutlet.com |
| Cottman Cash For Gold | 2444 Cottman Ave Philadelphia, PA 19149 | (215) 335-2300 | cottmancashforgold.com |
| Cottman Trading Post | 2248 Cottman Ave Philadelphia, PA 19149 | (215) 742-2020 | cottman-trading-post-llc.business.site |
| Cottman Trading Post | 7236 Frankford Ave Philadelphia, PA 19135 | (215) 742-2020 | underwaterops.com |
| Fair 4 All Trading Post | 14260 Bustleton Ave Philadelphia, PA 19116 | (215) 821-3021 | fair4all.business.site |
| Forman's Pawnshop & Expert Watch Repair | 626 S 12th St Philadelphia, PA 19147 | (215) 735-3073 | formanspawn.com |
| Front Street Sales Outlet | 2746 N Front St Philadelphia, PA 19133 | (215) 423-9665 | frontstreetpawn.com |
| George's Golden Scale | 79 S 8th St Philadelphia, PA 19106 | (215) 574-0244 | stores.ebay.com |
| K & A Moneyloan-Pawnbrokers | 3149 Kensington Ave Philadelphia, PA 19134 | (215) 425-5600 | philly-pawnshop.com |
| Kensington Gold & Silver Exchange | 1802 E Allegheny Ave Philadelphia, PA 19134 | (215) 425-4955 | phillypawnbroker.com |
| Lowill's Jewelers Associates, Ltd | 5719 Germantown Ave Philadelphia, PA 19144 | (215) 844-2225 | lowillsjewelers.com |
| My Philly Pawn | 2301 Jasper St Philadelphia, PA 19125 | (215) 426-5626 | myphillypawn.com |
| Olney Pawnbrokers | 5706 N Broad St # 570 Philadelphia, PA 19141 | (215) 224-2792 | olneypawn.com |
| PAWN SHOP - Watches Etc | 3140 Kensington Ave Philadelphia, PA 19134 | (215) 739-7296 | ebay.com |
| Pawn Shop Philadelphia | 136 S 8th St Unit A Philadelphia, PA 19107 | (267) 687-2640 | pawnshopphiladelphia.com |
| Philadelphia Money Loan Inc | 5557 N 5th St Philadelphia, PA 19120 | (215) 548-5626 | — |
| Philly Gold & Silver Buyers | 3549 Ryan Ave Philadelphia, PA 19136 | (609) 445-4988 | pmportraits.com |
| Societyhillloansales | 645 South St Philadelphia, PA 19147 | (215) 925-7357 | societyhillloan.com |
| We Buy Everything - Philadelphia | 1900 Grant Ave Ste C Philadelphia, PA 19115 | (215) 677-0200 | — |
| Woodland Money Loan | 4701 Frankford Ave Philadelphia, PA 19124 | (215) 744-8920 | woodpawn.com |
Pawn shops vs payday loan stores in Philadelphia
Philadelphia has 27 pawn shops and 24 payday, installment and title loan stores.
Pawn shops
27
1.7 per 100k residents
Payday & loan stores
24
1.5 per 100k residents
4 store chains
Biggest loan store chains in Philadelphia: ACE Cash Express (18), OneMain Financial (4), 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 Philadelphia
- 2.9%
- Pawn cost, share of monthly household income in Philadelphia
- 1.9%
- A $400 emergency equals
- 2.4 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 |
Philadelphia at a glance
- Median household income
- $61,810
- Pennsylvania: $81,657
- Poverty rate
- 22.2%
- Pennsylvania: 11.9%
- Households under $25,000
- 24.5%
- Pennsylvania: 15.3%
- A $400 emergency equals
- 2.4 days of income
Payday and installment loan stores in Philadelphia
For comparison: storefront payday, installment and title lenders in Philadelphia with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1206 N 52nd St Philadelphia, PA 19131 | (215) 473-3171 | — | 4.9 |
| 1349 W Olney Ave Philadelphia, PA 19141 | (215) 424-7070 | — | 4.9 |
| 1503 E Wadsworth Ave Philadelphia, PA 19150 | (215) 248-2800 | — | 4.9 |
| 1548 Pratt St Philadelphia, PA 19124 | (215) 533-5365 | — | 4.9 |
| 2 W Chelten Ave Philadelphia, PA 19144 | (215) 843-5297 | — | 4.9 |
| 2129 W Diamond St Philadelphia, PA 19121 | (215) 236-6639 | — | 4.9 |
| 22 N 60th St #26 Philadelphia, PA 19139 | (215) 747-4910 | — | 4.8 |
| 2840 W Girard Ave Philadelphia, PA 19130 | (215) 236-5406 | — | 4.9 |
| 3544 Germantown Ave #46 Philadelphia, PA 19140 | (215) 225-6336 | — | 4.9 |
| 3714 N Broad St Philadelphia, PA 19140 | (215) 227-7030 | — | 4.9 |
| 4244 N Broad St Philadelphia, PA 19140 | (215) 324-4560 | — | 4.9 |
| 5045 Wayne Ave Philadelphia, PA 19144 | (215) 849-9089 | — | 4.9 |
| 5450 N 5th St Philadelphia, PA 19120 | (215) 548-2988 | — | 4.9 |
| 6 S 52nd St Philadelphia, PA 19139 | (215) 747-2275 | — | 4.9 |
| 6137 Woodland Ave Philadelphia, PA 19142 | (215) 724-6221 | — | 4.8 |
| 6303 Stenton Ave Philadelphia, PA 19138 | (215) 549-5170 | — | 4.9 |
| 738 S 52nd St Philadelphia, PA 19143 | (215) 474-7358 | — | 4.9 |
| 8 N 52nd St Philadelphia, PA 19139 | (215) 476-1240 | — | 4.9 |
| 330 Oregon Ave Ste f Philadelphia, PA 19148 | (215) 755-1615 | — | 4.2 |
| 3400 Aramingo Ave Ste 13A Philadelphia, PA 19134 | (215) 338-7550 | — | 4.0 |
| 6131 Ridge Ave Philadelphia, PA 19128 | (215) 706-2040 | — | 4.2 |
| 6420 Frankford Ave Unit 13 Philadelphia, PA 19135 | (215) 333-7725 | — | 1.0 |
| 2141 Cottman Ave Ste. A Philadelphia, PA 19149 | (267) 350-3701 | — | 4.7 |
| 1515 Market St #1530 Philadelphia, PA 19102 | (215) 238-5680 | — | 4.2 |
Pawn shops near Philadelphia
More about Philadelphia
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.