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Pawn Shops vs Payday Loans in Birmingham, AL
23 pawn shops in and around Birmingham — 4.6 per 100,000 residents, compared with 4.6 across Alabama. Call ahead to ask what they're buying and lending on today: inventory needs change weekly. Birmingham ranks #11 of 15 Alabama cities with pawn shops by shops per resident.
- Pawn shops
- 23
- Pawn shops per 100k
- 4.6
- Alabama: 4.6
- Big-chain shops
- 8
- Payday & loan stores
- 27
- Population
- 502,316
Pawn shops in Birmingham: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Always Money | 2121 Bessemer Rd Birmingham, AL 35208 | (205) 780-0709 | alwaysmoney.com |
| Brad's Pawn & Jewelry | 5212 Oporto Madrid Blvd S Birmingham, AL 35210 | (205) 592-9922 | bradspawnshop.com |
| Cash America PawnChain | 1441 Forestdale Blvd Birmingham, AL 35214 | (205) 798-2274 | firstcash.com |
| Cash America PawnChain | 2017 Bessemer Rd Birmingham, AL 35208 | (205) 785-1888 | firstcash.com |
| Cash America PawnChain | 326 B Y Williams Sr. Drive Midfield, AL 35228 | — | — |
| Cash America PawnChain | 9416 Parkway E Birmingham, AL 35215 | (205) 838-1166 | firstcash.com |
| Delta Pawn | 3421 6th Ave S Birmingham, AL 35222 | (205) 714-5972 | deltapawnbirmingham.com |
| E-Z Deals | 2254 Bessemer Rd #104 Birmingham, AL 35208 | (205) 785-4056 | — |
| EZPAWNChain | 1220 Bankhead Hwy W Birmingham, AL 35204 | (205) 324-7299 | ezpawn.com |
| EZPAWNChain | 2040 Bessemer Rd Birmingham, AL 35208 | (205) 781-4466 | ezpawn.com |
| EZPAWNChain | 40 C Phillips Dr Midfield, AL 35228 | (205) 925-8449 | ezpawn.com |
| EZPAWNChain | 6816 1st Ave N Ste A Birmingham, AL 35206 | (205) 836-1047 | locations.ezpawn.com |
| Gold & Silver Loans & Jewelry | 5511 US-280 Ste 117 Birmingham, AL 35242 | (205) 995-1018 | stopboxusa.com |
| Golden Pawn | 3070 Lorna Rd Hoover, AL 35216 | (205) 978-1447 | goldenpawn.org |
| Golden Pawn & Jewelry | 2400 Green Springs Hwy Birmingham, AL 35209 | (205) 252-1447 | goldenpawn.org |
| Jim's Super Pawn | 9711 Parkway E A Birmingham, AL 35215 | (205) 838-8463 | jimspawn.com |
| Quik Pawn Shop | 1543 Montgomery Hwy Ste A Hoover, AL 35216 | (205) 822-4638 | firstcash.com |
| Quik Pawn Shop | 1649 Center Point Pkwy Birmingham, AL 35215 | (205) 856-1659 | firstcash.com |
| Quik Pawn Shop | 2444 Green Springs Hwy Birmingham, AL 35209 | (205) 942-3399 | firstcash.com |
| Quik Pawn Shop | 326 B Y Williams Sr Dr Midfield, AL 35228 | (205) 925-1570 | quikpawnshop.com |
| Quik Pawn Shop | 7737 1st Ave N Birmingham, AL 35206 | (205) 833-9684 | quikpawnshop.com |
| R Glenn Jewelers & Pawn | 1258 Forestdale Sq Birmingham, AL 35214 | (205) 798-6604 | — |
| Shop Store | 1944 Pinson Valley Pkwy Birmingham, AL 35217 | (205) 208-0701 | hfo.group |
Pawn shops vs payday loan stores in Birmingham
Birmingham has 27 payday, installment and title loan stores but only 23 pawn shops.
Pawn shops
23
4.6 per 100k residents
Payday & loan stores
27
5.4 per 100k residents
11 store chains
Biggest loan store chains in Birmingham: TitleMax (10), Check 'n Go (4), Advance America (3), Lendmark Financial Services (2), loanDepot (2).
Borrowing $500 for one month: payday vs pawn vs credit union
| Option | How it works | Cost for one month |
|---|---|---|
| Payday loan (~456% APR) | $87.50 fee every 2 weeks, renewed once | $175.00 |
| 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 Birmingham
- 2.7%
- Pawn cost, share of monthly household income in Birmingham
- 1.5%
- A $400 emergency equals
- 1.9 days of income
Payday: the AL maximum — $87.50 on a $500 loan for 2 weeks, paid twice for a one-month loan. Pawn: an example rate of 20% a month; pawn fees and interest are set by Alabama 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. Income: U.S. Census Bureau, American Community Survey.
Pawn loan vs payday loan: the key differences
| Pawn loan | Payday loan in AL | |
|---|---|---|
| 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 Alabama | Pawnbrokers are licensed and regulated by Alabama; fees, terms and holding periods are set by state law | Allowed, up to $500; typical APR ~456% |
Birmingham at a glance
- Median household income
- $77,536
- Alabama: $65,640
- Poverty rate
- 15.9%
- Alabama: 15.8%
- Households under $25,000
- 19.1%
- Alabama: 20.3%
- A $400 emergency equals
- 1.9 days of income
Payday and installment loan stores in Birmingham
For comparison: storefront payday, installment and title lenders in Birmingham with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1630 Montgomery Hwy Hoover, AL 35216 | (205) 876-1083 | — | 5.0 |
| 1808 Gadsden Hwy Ste 100 Birmingham, AL 35235 | (205) 655-0811 | — | 5.0 |
| 2012 Bessemer Rd Birmingham, AL 35208 | (205) 780-1004 | — | 4.9 |
| 217 Gadsden Hwy Birmingham, AL 35235 | (205) 536-7046 | — | 5.0 |
| 2380 Center Point Pkwy Birmingham, AL 35215 | (205) 815-1060 | — | 5.0 |
| 2424 Green Springs Hwy Birmingham, AL 35209 | (205) 290-0545 | — | 4.9 |
| 6912 1st Ave N Birmingham, AL 35206 | (205) 836-1449 | — | 5.0 |
| 7712 Crestwood Blvd Irondale, AL 35210 | (205) 956-9133 | — | 5.0 |
| 9790 Parkway E Birmingham, AL 35215 | (205) 520-0955 | — | 5.0 |
| 986 Forestdale Blvd Forestdale, AL 35214 | (205) 791-6173 | — | 5.0 |
| 137 Bessemer Super Hwy Midfield, AL 35228 | (205) 929-6646 | — | 4.9 |
| 1423 Gadsden Hwy #139 Birmingham, AL 35235 | (205) 413-8014 | — | 4.9 |
| 1717 Crestwood Blvd Irondale, AL 35210 | (205) 951-9525 | — | 5.0 |
| 917 Forestdale Blvd Birmingham, AL 35214 | (205) 788-4702 | — | 4.9 |
| 300 Oxmoor Rd, Suite 101 Homewood, AL 35209 | (205) 945-1615 | Mon–Fri 8:30 AM – 5:30 PM Sat–Sun closed |
— |
| 3321 Lorna Rd., Ste. 7 Hoover, AL 35216 | (205) 823-8472 | Mon–Fri 8:30 AM – 5:30 PM Sat–Sun closed |
— |
| 9784 Parkway East Birmingham, AL 35215 | (205) 815-2780 | Mon–Fri 8:30 AM – 5:30 PM Sat–Sun closed |
— |
| 1934 Hwy 31 South, Suite 340 Birmingham, AL 35244 | (205) 558-5850 | — | 4.8 |
| 5968 Chalkville Mountain Rd Birmingham, AL 35235 | (205) 558-6880 | — | 4.7 |
| 1 Chase Corporate Center, Suite 400 Suite 400 Birmingham, AL 35244 | (205) 734-4100 | — | 3.1 |
| 4524 Southlake Pkwy # 2 Hoover, AL 35244 | (205) 484-9180 | — | 4.8 |
| 1189 Center Point Pkwy Birmingham, AL 35215 | (205) 854-8778 | — | 4.0 |
| 12 Phillips Drive Midfield, AL 35228 | (205) 923-0009 | — | 4.3 |
| 2798 John Hawkins Pkwy Ste 120 Hoover, AL 35244 | (205) 588-6712 | — | 4.7 |
| 430 Green Springs Hwy Ste 13 Homewood, AL 35209 | (205) 942-2932 | — | 4.1 |
| 1671 Center Point Pkwy Ste 105 Birmingham, AL 35215 | (205) 853-3790 | — | 4.9 |
| 321 Palisades Blvd Birmingham, AL 35209 | (205) 870-4538 | — | 4.0 |
Pawn shops near Birmingham
More about Birmingham
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.