Compare legal limits, fees and the true cost of small loans in your state before you talk to any lender. Compare legal limits, fees and the true cost of small loans in your state.
Pawn Shops vs Payday Loans in Tacoma, WA
15 pawn shops in and around Tacoma — 4.3 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. Tacoma ranks #5 of 24 Washington cities with pawn shops by shops per resident.
- Pawn shops
- 15
- Pawn shops per 100k
- 4.3
- Washington: 1.8
- Big-chain shops
- 4
- Payday & loan stores
- 6
- Population
- 352,796
Pawn shops in Tacoma: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| All In One Jewelry & Loan Inc. | 8638 Pacific Ave Ste 1 Tacoma, WA 98444 | (253) 471-9904 | allinonejewelryandloaninc.com |
| American Pawnbrokers | 5402 Pacific Ave Tacoma, WA 98408 | (253) 472-7296 | americanpawnbroker.com |
| Cash America PawnChain | 15027 Pacific Ave S Tacoma, WA 98444 | (253) 284-3761 | find.cashamerica.us |
| Cash America PawnChain | 6408 6th Ave Tacoma, WA 98406 | (253) 460-1255 | cashamerica.com |
| Cash America PawnChain | 7241 South Tacoma Way Tacoma, WA 98409 | (253) 472-8880 | firstcash.com |
| Cash America PawnChain | 8844 Pacific Ave Tacoma, WA 98444 | (253) 537-0081 | firstcash.com |
| Gold and Pawn Jewelry and Loan | 11122 Pacific Ave S Tacoma, WA 98444 | (253) 531-5560 | — |
| Hill-top Loans Pawn Shop | 1101 S 11th St Tacoma, WA 98405 | (253) 627-1044 | hill-top-loans.business.site |
| Pawn 1 Tacoma | 215 S 72nd St Tacoma, WA 98408 | (253) 472-9601 | pawn1.com |
| Randy's Loans | 5243 South Tacoma Way Tacoma, WA 98409 | (253) 475-5130 | randysloans.webstarts.com |
| Topkick Jewelry & Loans | 13014 Pacific Ave S Tacoma, WA 98444 | (253) 537-4747 | topkickpawn.com |
| Twin Traders Pawn Shop OPEN 10AM-9PM DAILY!!! | 4830 Pacific Ave Tacoma, WA 98408 | (253) 307-5899 | — |
| US Pawn | 4001 Pacific Ave Ste B Tacoma, WA 98418 | (253) 267-1723 | uspawnwa.com |
| US Pawn- 10325 Pacific Ave | 10325 Pacific Ave S Tacoma, WA 98444 | (253) 507-5429 | uspawnwa.com |
| US Pawn- 1101 S 11th Street | 1101 S 11th St Tacoma, WA 98405 | (253) 302-4920 | uspawnwa.com |
Pawn shops vs payday loan stores in Tacoma
Tacoma has 15 pawn shops and 6 payday, installment and title loan stores.
Pawn shops
15
4.3 per 100k residents
Payday & loan stores
6
1.7 per 100k residents
4 store chains
Biggest loan store chains in Tacoma: Moneytree (2), OneMain Financial (2), Lendmark Financial Services (1), Mariner Finance (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 Tacoma
- 2.1%
- Pawn cost, share of monthly household income in Tacoma
- 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% |
Tacoma at a glance
- Median household income
- $85,294
- Washington: $100,769
- Poverty rate
- 11.4%
- Washington: 10.0%
- Households under $25,000
- 11.9%
- Washington: 11.2%
- A $400 emergency equals
- 1.7 days of income
Payday and installment loan stores in Tacoma
For comparison: storefront payday, installment and title lenders in Tacoma with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 10437 Pacific Ave S Tacoma, WA 98444 | (253) 537-9555 | — | 4.4 |
| 2528 S 38th St E Tacoma, WA 98409 | (253) 473-3500 | — | 4.4 |
| 10202 Pacific Ave S #103 Tacoma, WA 98444 | (253) 531-4315 | — | 3.8 |
| 1802 S Mildred St D Tacoma, WA 98465 | (253) 460-0710 | — | 3.9 |
| 4027 Tacoma Mall Blvd Suite B Tacoma, WA 98409 | (253) 617-4001 | — | 3.6 |
| 3702 S Fife St Ste B105 Tacoma, WA 98409 | (253) 414-0995 | — | 4.9 |
Pawn shops near Tacoma
More about Tacoma
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.