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Pawn Shops vs Payday Loans in Huntsville, AL
9 pawn shops in and around Huntsville — 4.2 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. Huntsville ranks #12 of 15 Alabama cities with pawn shops by shops per resident.
- Pawn shops
- 9
- Pawn shops per 100k
- 4.2
- Alabama: 4.6
- Big-chain shops
- 0
- Payday & loan stores
- 19
- Population
- 214,900
Pawn shops in Huntsville: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| A To Z Pawn | 612 Pratt Ave NW Huntsville, AL 35801 | (256) 533-7296 | americanpawn.com |
| American Pawn & Jewelry | 2011 Sparkman Dr NW Huntsville, AL 35810 | (256) 852-1776 | americanpawn.com |
| Buster's Pawn Shop | 2900 Governors Dr SW Huntsville, AL 35805 | (256) 536-9125 | busterspawnshop.com |
| Family Jewelry & Loan | 11519 Memorial Pkwy SW Huntsville, AL 35803 | (256) 469-7635 | familyjewelrynloan.com |
| Gold Express | 1803 University Dr NW Huntsville, AL 35801 | (256) 425-0008 | — |
| Larry's Pistol & Pawn Shop | 2405 N Memorial Pkwy Huntsville, AL 35810 | (256) 534-1000 | pistolandpawn.com |
| Larrys Pistol & Pawn | 405 Memorial Pkwy NW Huntsville, AL 35801 | (256) 539-9000 | pistolandpawn.com |
| Redstone Pawn | 1400 Memorial Pkwy NW Huntsville, AL 35801 | (256) 756-7296 | redstonepawn.com |
| RV's Pawn Shop | 10099 Memorial Pkwy SW #5 Huntsville, AL 35803 | (256) 203-2086 | pawnshopinhuntsvilleal.com |
Pawn shops vs payday loan stores in Huntsville
Huntsville has 19 payday, installment and title loan stores but only 9 pawn shops.
Pawn shops
9
4.2 per 100k residents
Payday & loan stores
19
8.8 per 100k residents
10 store chains
Biggest loan store chains in Huntsville: TitleMax (5), 1st Franklin Financial (2), Advance America (2), Check 'n Go (2), Lendmark Financial Services (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 Huntsville
- 2.9%
- Pawn cost, share of monthly household income in Huntsville
- 1.6%
- A $400 emergency equals
- 2.0 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% |
Huntsville at a glance
- Median household income
- $73,514
- Alabama: $65,640
- Poverty rate
- 14.6%
- Alabama: 15.8%
- Households under $25,000
- 18.4%
- Alabama: 20.3%
- A $400 emergency equals
- 2.0 days of income
Payday and installment loan stores in Huntsville
For comparison: storefront payday, installment and title lenders in Huntsville with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 11203 Memorial Pkwy SW Huntsville, AL 35803 | (256) 881-4471 | — | 4.9 |
| 1919 Jordan Ln NW Huntsville, AL 35816 | (256) 551-2764 | — | 5.0 |
| 2705 University Dr NW Huntsville, AL 35816 | (256) 519-2314 | — | 4.9 |
| 2710 Memorial Pkwy SW Huntsville, AL 35801 | (256) 534-7199 | — | 5.0 |
| 3000 Memorial Pkwy NW Huntsville, AL 35810 | (256) 859-2731 | — | 5.0 |
| 11310 Memorial Pkwy SW Ste H Huntsville, AL 35803 | (256) 882-1933 | — | 4.8 |
| 6200 Mastin Lake Rd NE Ste D Huntsville, AL 35810 | (256) 851-4141 | — | 4.6 |
| 2806 S. Memorial Pky., Ste. A Huntsville, AL 35801 | (256) 533-9748 | Mon–Fri 8:30 AM – 5:30 PM Sat–Sun closed |
— |
| 3503 N. Memorial Pkwy, Ste. G Huntsville, AL 35810 | (256) 852-0451 | Mon–Fri 8:30 AM – 5:30 PM Sat–Sun closed |
— |
| 11437 Memorial Pkwy SW Huntsville, AL 35803 | (256) 883-1640 | — | 5.0 |
| 700 Pratt Ave NW C Huntsville, AL 35801 | (256) 519-9320 | — | 4.9 |
| 2010 S Point Park Circle Ste 120 Huntsville, AL 35801 | (256) 715-4464 | — | 4.8 |
| 4925 University Dr NW Suite 160 Huntsville, AL 35816 | (256) 384-2566 | — | 4.4 |
| 4925 University Dr NW #112 Huntsville, AL 35816 | (256) 539-8424 | — | 4.0 |
| 964 Airport Rd SW Ste 11 Huntsville, AL 35802 | (256) 650-5528 | — | 3.3 |
| 11220 S Memorial Pkwy Ste. T Huntsville, AL 35803 | (256) 217-5820 | — | 4.7 |
| 6290 University Dr NW Ste I-1 Huntsville, AL 35806 | (256) 746-1976 | — | 4.9 |
| 6125 University Dr NW Ste C10 Huntsville, AL 35806 | (256) 399-0084 | — | 4.9 |
| 507 Drake Ave SW Suite B B Huntsville, AL 35801 | (256) 203-7060 | — | 4.6 |
Pawn shops near Huntsville
More about Huntsville
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.