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Pawn Shops vs Payday Loans in Eau Claire, WI
4 pawn shops in and around Eau Claire — 4.7 per 100,000 residents, compared with 0.8 across Wisconsin. Call ahead to ask what they're buying and lending on today: inventory needs change weekly. Eau Claire ranks #1 of 10 Wisconsin cities with pawn shops by shops per resident.
- Pawn shops
- 4
- Pawn shops per 100k
- 4.7
- Wisconsin: 0.8
- Big-chain shops
- 1
- Payday & loan stores
- 5
- Population
- 85,370
Pawn shops in Eau Claire: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| C&c Pawnbrokers | 412 Washington St Eau Claire, WI 54701 | (715) 855-1111 | candcpawnbrokers.com |
| Me-No-Monie Street Pawn & Loan | 1243 Menomonie St Eau Claire, WI 54703 | (715) 852-2222 | candcpawnbrokers.com |
| National Pawn Co | 1232 W Clairemont Ave Eau Claire, WI 54701 | (715) 831-8822 | nationalpawncompanyofwisconsin.com |
| Pawn AmericaChain | 2615 Mall Dr Eau Claire, WI 54701 | (715) 318-0148 | pawnamerica.com |
Pawn shops vs payday loan stores in Eau Claire
Eau Claire has 5 payday, installment and title loan stores but only 4 pawn shops.
Pawn shops
4
4.7 per 100k residents
Payday & loan stores
5
5.9 per 100k residents
5 store chains
Biggest loan store chains in Eau Claire: Check 'n Go (1), Check Into Cash (1), Lendmark Financial Services (1), OneMain Financial (1), Security Finance (1).
Borrowing $500 for one month: payday vs pawn vs credit union
| Option | How it works | Cost for one month |
|---|---|---|
| Payday loan (~574%+ 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 Eau Claire
- 2.6%
- Pawn cost, share of monthly household income in Eau Claire
- 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 (Wisconsin 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 Wisconsin 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 WI | |
|---|---|---|
| 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 Wisconsin | Pawnbrokers are licensed and regulated by Wisconsin; fees, terms and holding periods are set by state law | Allowed, up to No state limit; typical APR ~574%+ |
Eau Claire at a glance
- Median household income
- $70,093
- Wisconsin: $78,208
- Poverty rate
- 12.3%
- Wisconsin: 10.8%
- Households under $25,000
- 12.1%
- Wisconsin: 13.5%
- A $400 emergency equals
- 2.1 days of income
Payday and installment loan stores in Eau Claire
For comparison: storefront payday, installment and title lenders in Eau Claire with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 2806 London Rd Eau Claire, WI 54701 | (715) 836-7777 | — | 5.0 |
| 1406 S Hastings Way Eau Claire, WI 54701 | (715) 831-9999 | — | 5.0 |
| 4065 Commonwealth Ave Eau Claire, WI 54701 | (715) 280-3456 | — | 5.0 |
| 1419 S Hastings Way Eau Claire, WI 54701 | (715) 833-1113 | — | 3.9 |
| 2249 Brackett Ave Eau Claire, WI 54701 | (715) 830-9449 | — | 4.9 |
Pawn shops near Eau Claire
More about Eau Claire
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.