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Pawn Shops vs Payday Loans in Hampton, VA
9 pawn shops in and around Hampton — 6.5 per 100,000 residents, compared with 2.3 across Virginia. Call ahead to ask what they're buying and lending on today: inventory needs change weekly. Hampton ranks #2 of 27 Virginia cities with pawn shops by shops per resident.
- Pawn shops
- 9
- Pawn shops per 100k
- 6.5
- Virginia: 2.3
- Big-chain shops
- 0
- Payday & loan stores
- 4
- Population
- 138,755
Pawn shops in Hampton: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Adam's Pawn Shop | 922 La Salle Ave Hampton, VA 23669 | (757) 723-3719 | pawnshophamptonva.com |
| Buckroe Trading Post | 1299 N King St Hampton, VA 23669 | (757) 690-3311 | buckroetradingpost.com |
| Fast Cash Pawn | 2605 W Mercury Blvd Hampton, VA 23666 | (757) 838-3001 | fastcashpawnla.com |
| Jewelry Surgeon | Inside treasure Chest Pawn, 4908 W Mercury Blvd A Hampton, VA 23666 | (757) 956-7254 | — |
| Mario's Pawn Shop | 1115 N King St Hampton, VA 23669 | (757) 722-1100 | — |
| Mercury Pawn Shop | 3300 W Mercury Blvd F Hampton, VA 23666 | (757) 826-0500 | mypawn.net |
| Superior Pawn & Gun | 100 and, 104 W Mercury Blvd Hampton, VA 23669 | (757) 723-6033 | superiorpawnva.com |
| Time Pawn & Gun | 1 N Mallory St Hampton, VA 23663 | (757) 722-6911 | timepawn.com |
| Treasure Chest Pawn & Gun | 4908 W Mercury Blvd Hampton, VA 23666 | (757) 673-5626 | treasurechestpawnandgun.com |
Pawn shops vs payday loan stores in Hampton
Hampton has 9 pawn shops and 4 payday, installment and title loan stores.
Pawn shops
9
6.5 per 100k residents
Payday & loan stores
4
2.9 per 100k residents
3 store chains
Biggest loan store chains in Hampton: OneMain Financial (2), ACE Cash Express (1), Lendmark Financial Services (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 Virginia) | $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 Hampton
- 2.6%
- Pawn cost, share of monthly household income in Hampton
- 1.7%
- A $400 emergency equals
- 2.1 days of income
Payday: a typical fee of $75 on a $500 loan for 2 weeks, paid twice for a one-month loan (Virginia 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 Virginia 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 VA | |
|---|---|---|
| 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 Virginia | Pawnbrokers are licensed and regulated by Virginia; fees, terms and holding periods are set by state law | Storefront payday loans are not allowed in Virginia |
Hampton at a glance
- Median household income
- $69,069
- Virginia: $101,899
- Poverty rate
- 12.9%
- Virginia: 10.1%
- Households under $25,000
- 15.9%
- Virginia: 12.1%
- A $400 emergency equals
- 2.1 days of income
Payday and installment loan stores in Hampton
For comparison: storefront payday, installment and title lenders in Hampton with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 2189 Cunningham Dr Hampton, VA 23666 | (757) 827-6700 | — | 4.5 |
| 3005 W Mercury Blvd Hampton, VA 23666 | (757) 826-2296 | — | 4.3 |
| 3819 Kecoughtan Rd Hampton, VA 23669 | (757) 728-1366 | — | 4.9 |
| 2040 Coliseum Dr Ste A-15 Hampton, VA 23666 | (757) 506-7631 | — | 4.0 |
Pawn shops near Hampton
More about Hampton
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.