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Pawn Shops vs Payday Loans in Virginia Beach, VA
14 pawn shops in and around Virginia Beach — 3.1 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. Virginia Beach ranks #15 of 27 Virginia cities with pawn shops by shops per resident.
- Pawn shops
- 14
- Pawn shops per 100k
- 3.1
- Virginia: 2.3
- Big-chain shops
- 0
- Payday & loan stores
- 10
- Population
- 457,066
Pawn shops in Virginia Beach: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Hilltop Pawn Shop | 1965 Laskin Rd Virginia Beach, VA 23454 | (757) 769-7254 | hilltoppawnshop.com |
| Kempsville Pawn Shop | 1007 Kempsville Rd Virginia Beach, VA 23464 | (757) 495-7296 | kempsvillepawnshop.com |
| LCS Better Offer Pawn | 3300 Holland Rd Virginia Beach, VA 23452 | (757) 368-2020 | lcspawnshop.com |
| Liberty Pawn | 368 Newtown Rd Virginia Beach, VA 23462 | (757) 456-5077 | libertypawnva.com |
| Liberty Pawn Ii | 3800 Holland Rd Ste 101 Virginia Beach, VA 23452 | (757) 216-7464 | — |
| My Pawn | 2372 Virginia Beach Blvd Virginia Beach, VA 23454 | (757) 578-2774 | mypawnvb.com |
| Nathan's Lynnhaven Pawn Shop | 1194 Lynnhaven Pkwy Virginia Beach, VA 23452 | (757) 468-5626 | nathanslynnhavenpawn.com |
| Oceana Pawn And Gun | 1630 General Booth Blvd Virginia Beach, VA 23454 | (757) 448-3706 | oceanapawn.com |
| Princess Anne Pawn & Jewelers | 1943 Lynnhaven Pkwy Virginia Beach, VA 23453 | (757) 471-3370 | princessannepawn.com |
| Superior Pawn | 4856 Cleveland St Virginia Beach, VA 23462 | (757) 248-9393 | superiorpawn.com |
| Superior Pawn | 529 Virginia Beach Blvd Virginia Beach, VA 23451 | (757) 425-6039 | notyouraveragepawnshops.com |
| Superior Pawn and Gun | 4859 Virginia Beach Blvd Virginia Beach, VA 23462 | (757) 490-4760 | superiorpawn.com |
| Superior Pawn Of Hampton Roads | 540 Taldan Ave Virginia Beach, VA 23462 | (757) 490-8208 | — |
| Virginia Beach Pawn and Jewelry | 829 Lynnhaven Pkwy Ste 111 Virginia Beach, VA 23452 | (757) 963-2770 | virginiabeachpawnandjewelry.com |
Pawn shops vs payday loan stores in Virginia Beach
Virginia Beach has 14 pawn shops and 10 payday, installment and title loan stores.
Pawn shops
14
3.1 per 100k residents
Payday & loan stores
10
2.2 per 100k residents
5 store chains
Biggest loan store chains in Virginia Beach: Lendmark Financial Services (3), OneMain Financial (3), ACE Cash Express (2), 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 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 Virginia Beach
- 1.9%
- Pawn cost, share of monthly household income in Virginia Beach
- 1.3%
- A $400 emergency equals
- 1.6 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 |
Virginia Beach at a glance
- Median household income
- $92,332
- Virginia: $101,899
- Poverty rate
- 8.3%
- Virginia: 10.1%
- Households under $25,000
- 9.5%
- Virginia: 12.1%
- A $400 emergency equals
- 1.6 days of income
Payday and installment loan stores in Virginia Beach
For comparison: storefront payday, installment and title lenders in Virginia Beach with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 4725 Virginia Beach Blvd #160 Virginia Beach, VA 23462 | (757) 264-7960 | — | 4.2 |
| 5072 Ferrell Pkwy Ste 108 Virginia Beach, VA 23464 | (757) 916-3555 | — | 4.9 |
| 750 Independence Blvd suite#4582 Virginia Beach, VA 23455 | (948) 206-2020 | — | 5.0 |
| 2129 General Booth Blvd #110 Virginia Beach, VA 23454 | (757) 486-0567 | — | 3.9 |
| 4000 Virginia Beach Blvd #132 Virginia Beach, VA 23452 | (757) 340-2513 | — | 4.0 |
| 967 Providence Square Shopping Center #16 Virginia Beach, VA 23464 | (757) 495-8405 | — | 4.2 |
| 1496 Lynnhaven Pkwy Ste 101 Virginia Beach, VA 23453 | (757) 368-0741 | — | 4.8 |
| 6672 Indian River Rd Virginia Beach, VA 23464 | (757) 413-9140 | — | 4.9 |
| 829 Lynnhaven Pkwy #119 Virginia Beach, VA 23452 | (757) 333-4800 | — | 4.8 |
| 192 Ballard Ct Ste 100 Virginia Beach, VA 23462 | (757) 800-1120 | — | 2.2 |
Pawn shops near Virginia Beach
More about Virginia Beach
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.