Pawn Shops Near You — 97-Metro Directory
Thousands of pawn shops across the largest US metros — EZPAWN, Cash America, Value Pawn, and the independent shops in between. Pawn loans are same-day cash with no credit check, no income verification, and no credit damage if you default — but fees are real. Every city page lists shops with addresses and phones, plus honest numbers on costs and cheaper alternatives.
Last updated:
Quick Overview
1,871+ shops tracked across 97metros. A pawn loan pays 25–60% of your item's resale value in cash the same day, with 30–90 days to buy it back plus fees.
No credit check, no bank account, no collections if you default — the shop keeps the item and that's it. The trade-off is cost: fees often equal 60–240% APR. Compare credit union small-dollar loans and payday alternatives before you pawn — and remember selling outright usually nets more than pawning.
97
US metros covered
1,871+
Shops tracked nationwide
Same day
Cash in hand
0
Credit checks, ever
Pawn Shops by City — 97 Metro Guides
Local pawn directories with shop listings and honest cost breakdowns for each metro area.
Alabama
Arkansas
California
- Fresno~3
- Los Angeles~27
- Oakland~15
- Sacramento~8
- San Diego~11
- San Francisco~15
- San Jose~7
Colorado
- Denver~60
Delaware
District of Columbia
- Washington~29
Florida
- Jacksonville~17
- Miami~28
- Orlando~31
- Tampa~60
Illinois
- Chicago~63
Indiana
- Indianapolis~19
Iowa
Kentucky
Louisiana
Maryland
- Baltimore~31
Massachusetts
Michigan
- Detroit~18
- Grand Rapids~3
Minnesota
- Minneapolis~21
- Saint Paul~21
Missouri
- Kansas City~25
- Springfield~5
- St Louis~10
New Jersey
- Jersey City~66
- Newark~64
New Mexico
North Carolina
- Asheville~7
- Charlotte~14
- Durham~5
- Greensboro~21
- Raleigh~8
Oklahoma
- Oklahoma City~22
- Tulsa~31
Pennsylvania
Rhode Island
South Carolina
- Columbia~10
- Greenville~15
South Dakota
Tennessee
- Chattanooga~9
- Knoxville~12
- Memphis~10
- Nashville~13
Texas
- Austin~38
- Corpus Christi~8
- Dallas~57
- El Paso~6
- Fort Worth~38
- Houston~124
- San Antonio~62
Utah
Virginia
- Newport News~13
- Norfolk~13
- Richmond~8
- Virginia Beach~10
When a pawn loan makes sense — and when it doesn't
Pawn works when the amount is small, the need is urgent, and you're certain you can repay: you leave an item (jewelry, tools, electronics), get 25–60% of its resale value in cash the same day, and buy it back within 30–90 days plus fees. No collections, no lawsuit, no credit hit if you walk away.
The catch is cost — fees often equal a 60–240% APR, which is why pawn should be a bridge, not a habit. Before you pawn, compare credit union small-dollar loans, plasma donation income, or payday loan alternatives — and remember selling outright usually nets more than pawning and losing the item.
Getting the best offer at a pawn shop
Bring completeness. Chargers, cases, cables, and manuals raise electronics offers — a laptop without its charger can lose a third of the quote. Clean the item. Tarnished jewelry and grimy tools appraise lower. Know the market price. Look up what the item actually sells for used (eBay sold listings) before you walk in, so you know whether a 30% offer is insult or fair. Shop the quote. Offers for the same item vary by 50%+ between shops — get two or three. Negotiate the fee, not just the amount. Storage and interest fees are often more negotiable than the loan amount itself.
Frequently Asked Questions
How much will a pawn shop loan me?
Do pawn shops run credit checks?
What happens if I don't pay back a pawn loan?
Is pawning better than selling?
What do pawn shops pay the most for?
Do you need ID to pawn something?
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