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Pawn Shops vs Payday Loans in Woodbridge, VA
7 pawn shops in and around Woodbridge — 3.2 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. Woodbridge ranks #12 of 27 Virginia cities with pawn shops by shops per resident.
- Pawn shops
- 7
- Pawn shops per 100k
- 3.2
- Virginia: 2.3
- Big-chain shops
- 0
- Payday & loan stores
- 5
- Population
- 216,587
Pawn shops in Woodbridge: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Parkway Pawn | 13177 Centerpointe Way Woodbridge, VA 22193 | (703) 670-9988 | route50jewelryandloan.com |
| Pawn USA Woodbridge | 13879 Smoketown Rd Woodbridge, VA 22192 | (703) 878-3000 | pawnusawoodbridge.com |
| Royal Pawn | 4335 Dale Blvd Woodbridge, VA 22193 | (703) 730-6603 | royalpawn.com |
| The Vault Jewelry And Loan | 13177 Centerpointe Way Woodbridge, VA 22193 | (571) 556-3375 | thevaultloans.com |
| The Vault Jewelry And Loan | 1956 Daniel Stuart Sq Woodbridge, VA 22191 | (703) 490-5757 | thevaultloans.com |
| USA Gold & Jewelry Exchange | 13877 Smoketown Rd Woodbridge, VA 22192 | (703) 730-2283 | buygoldinwoodbridge.com |
| Woodbridge Gold & Pawn | 13572 Jefferson Davis Hwy Woodbridge, VA 22191 | (703) 491-3333 | woodbridgepawn.com |
Pawn shops vs payday loan stores in Woodbridge
Woodbridge has 7 pawn shops and 5 payday, installment and title loan stores.
Pawn shops
7
3.2 per 100k residents
Payday & loan stores
5
2.3 per 100k residents
4 store chains
Biggest loan store chains in Woodbridge: ACE Cash Express (2), Lendmark Financial Services (1), Mariner Finance (1), OneMain Financial (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 Woodbridge
- 1.5%
- Pawn cost, share of monthly household income in Woodbridge
- 1.0%
- A $400 emergency equals
- 1.3 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 |
Woodbridge at a glance
- Median household income
- $116,176
- Virginia: $101,899
- Poverty rate
- 7.1%
- Virginia: 10.1%
- Households under $25,000
- 6.4%
- Virginia: 12.1%
- A $400 emergency equals
- 1.3 days of income
Payday and installment loan stores in Woodbridge
For comparison: storefront payday, installment and title lenders in Woodbridge with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1964 Daniel Stuart Square Woodbridge, VA 22191 | (703) 494-1890 | — | 4.9 |
| 4337 Dale Blvd Dale City, VA 22193 | (703) 670-7474 | — | 4.9 |
| 3109 Golansky Blvd Woodbridge, VA 22192 | (703) 580-0750 | — | 4.0 |
| 2024 Daniel Stuart Square Ste 31 Woodbridge, VA 22191 | (703) 494-3366 | — | 4.7 |
| 2750 Killarney Dr Unit 205 Woodbridge, VA 22192 | (703) 490-4800 | — | 3.7 |
Pawn shops near Woodbridge
More about Woodbridge
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.