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Pawn Shops vs Payday Loans in Huntington, WV
7 pawn shops in and around Huntington — 9.9 per 100,000 residents, compared with 6.1 across West Virginia. Call ahead to ask what they're buying and lending on today: inventory needs change weekly. Huntington ranks #1 of 4 West Virginia cities with pawn shops by shops per resident.
- Pawn shops
- 7
- Pawn shops per 100k
- 9.9
- West Virginia: 6.1
- Big-chain shops
- 0
- Payday & loan stores
- 1
- Population
- 70,628
Pawn shops in Huntington: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Cash Express Pawn | 707 Washington Ave Huntington, WV 25701 | (304) 529-7296 | cashexpresstitlepawn.com |
| Freedom Gun and Pawn | 4536 5th Street Rd #2 Lavalette, WV 25701 | (304) 399-3148 | freedomgunandpawn.net |
| Jewelry Gold and Pawn | 1072 Adams Ave Huntington, WV 25704 | (304) 529-4411 | jewelry-gold-pawn.edan.io |
| Layne's Gun And Pawn | 5271 Ohio River Rd Huntington, WV 25702 | (681) 378-0053 | — |
| PawnMore | 1401 Us-60 Huntington, WV 25705 | (681) 888-5762 | pawnmore.com |
| Tri State Pawn and Jewelry | 519 4th Ave Huntington, WV 25701 | (304) 781-0774 | bigbuckswv.com |
| Tri-State Pawn and Jewelry | 522 29th St Huntington, WV 25702 | (304) 525-0453 | go2pawn.com |
Pawn shops vs payday loan stores in Huntington
Huntington has 7 pawn shops and 1 payday, installment and title loan stores.
Pawn shops
7
9.9 per 100k residents
Payday & loan stores
1
1.4 per 100k residents
1 store chain
Biggest loan store chains in Huntington: 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 West 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 Huntington
- 3.5%
- Pawn cost, share of monthly household income in Huntington
- 2.3%
- A $400 emergency equals
- 2.9 days of income
Payday: a typical fee of $75 on a $500 loan for 2 weeks, paid twice for a one-month loan (West 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 West 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 WV | |
|---|---|---|
| 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 West Virginia | Pawnbrokers are licensed and regulated by West Virginia; fees, terms and holding periods are set by state law | Storefront payday loans are not allowed in West Virginia |
Huntington at a glance
- Median household income
- $51,166
- West Virginia: $60,548
- Poverty rate
- 24.6%
- West Virginia: 16.7%
- Households under $25,000
- 29.8%
- West Virginia: 21.8%
- A $400 emergency equals
- 2.9 days of income
Payday and installment loan stores in Huntington
For comparison: storefront payday, installment and title lenders in Huntington with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 4341 US-60 Ste 175 Huntington, WV 25705 | (304) 733-9338 | — | 4.7 |
Pawn shops near Huntington
More about Huntington
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.