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Pawn Shops vs Payday Loans in Everett, WA
7 pawn shops in and around Everett — 4.1 per 100,000 residents, compared with 1.8 across Washington. Call ahead to ask what they're buying and lending on today: inventory needs change weekly. Everett ranks #6 of 24 Washington cities with pawn shops by shops per resident.
- Pawn shops
- 7
- Pawn shops per 100k
- 4.1
- Washington: 1.8
- Big-chain shops
- 3
- Payday & loan stores
- 4
- Population
- 172,103
Pawn shops in Everett: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Cash America PawnChain | 12025 Highway 99 Ste A Everett, WA 98204 | (425) 347-7741 | cashamerica.com |
| Cash America PawnChain | 1905 Broadway Everett, WA 98201 | (425) 259-6600 | firstcash.com |
| Cash America PawnChain | 7107 Evergreen Way Everett, WA 98203 | (425) 355-6900 | firstcash.com |
| G & H Gold and Diamond Brokers | 9701 Evergreen Way Everett, WA 98204 | (425) 710-0600 | — |
| Pawn Fathers | 6417 Evergreen Wy Everett, WA 98203 | (425) 265-9000 | pawnfathers.com |
| Sound Loan Pawn Shop | 2819 Wetmore Ave Everett, WA 98201 | (425) 252-2222 | soundloanandpawn.com |
| Top Tier Pawn LLC | 9220 Evergreen Wy Everett, WA 98204 | (425) 336-2600 | toptierpawn.com |
Pawn shops vs payday loan stores in Everett
Everett has 7 pawn shops and 4 payday, installment and title loan stores.
Pawn shops
7
4.1 per 100k residents
Payday & loan stores
4
2.3 per 100k residents
4 store chains
Biggest loan store chains in Everett: Lendmark Financial Services (1), Mariner Finance (1), Moneytree (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 (~390% APR) | $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 Everett
- 2.0%
- Pawn cost, share of monthly household income in Everett
- 1.4%
- A $400 emergency equals
- 1.7 days of income
Payday: a typical fee of $75 on a $500 loan for 2 weeks, paid twice for a one-month loan (Washington 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 Washington 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 WA | |
|---|---|---|
| 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 Washington | Pawnbrokers are licensed and regulated by Washington; fees, terms and holding periods are set by state law | Allowed, up to $700 or 30% of income; typical APR ~390% |
Everett at a glance
- Median household income
- $87,857
- Washington: $100,769
- Poverty rate
- 12.1%
- Washington: 10.0%
- Households under $25,000
- 12.9%
- Washington: 11.2%
- A $400 emergency equals
- 1.7 days of income
Payday and installment loan stores in Everett
For comparison: storefront payday, installment and title lenders in Everett with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 5920 Evergreen Wy Ste F Everett, WA 98203 | (425) 353-7232 | — | 4.0 |
| 15 SW Everett Mall Wy E Everett, WA 98204 | (425) 247-0436 | — | 4.7 |
| 309 E Casino Rd B Everett, WA 98208 | (425) 355-3000 | — | 4.3 |
| 221 SE Everett Mall Way # M4 Everett, WA 98208 | (425) 353-8811 | — | 3.6 |
Pawn shops near Everett
More about Everett
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.