Compare legal limits, fees and the true cost of small loans in your state before you talk to any lender. Compare legal limits, fees and the true cost of small loans in your state.
Pawn Shops vs Payday Loans in Mobile, AL
13 pawn shops in and around Mobile — 4.9 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. Mobile ranks #8 of 15 Alabama cities with pawn shops by shops per resident.
- Pawn shops
- 13
- Pawn shops per 100k
- 4.9
- Alabama: 4.6
- Big-chain shops
- 5
- Payday & loan stores
- 22
- Population
- 266,822
Pawn shops in Mobile: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Capital Pawn - Mobile | 3428 Cottage Hill Rd Mobile, AL 36609 | (251) 342-1786 | firstcash.com |
| Cash America PawnChain | 1306 St Stephens Rd Mobile, AL 36603 | (251) 433-2701 | find.cashamerica.us |
| Cash America PawnChain | 1342 Spring Hill Ave Mobile, AL 36604 | (251) 433-0100 | cashamerica.com |
| Cash America PawnChain | 3501 Cottage Hill Rd Mobile, AL 36609 | (251) 665-5144 | firstcash.com |
| Cash America PawnChain | 5631 Old Pascagoula Rd Mobile, AL 36619 | (251) 653-7445 | find.cashamerica.us |
| Cash America PawnChain | Crichton Plaza, 3054 Spring Hill Ave Mobile, AL 36607 | (251) 473-8858 | find.cashamerica.us |
| Community Loans of America | 7900 Airport Blvd Mobile, AL 36608 | (251) 265-9002 | clacorp.com |
| Earl's Pawn and Jewelry | 260 Schillinger Rd N Mobile, AL 36608 | (251) 633-7296 | earlspawnandjewelry.com |
| Eddie's Pawn Shop | 266 East Interstate 65 Service Rd N Mobile, AL 36607 | (251) 479-6667 | eddiespawnshop.com |
| Eddies Wholesale Jewelry | 3400 Government Blvd Mobile, AL 36693 | (251) 660-7296 | pawnshopsreviews.com |
| Loop Coin and Jewelry | 3972 Government Blvd Mobile, AL 36693 | (251) 661-2800 | ebay.com |
| Pronto Pawn | 4436 Government Blvd Mobile, AL 36693 | (251) 652-3082 | pronto2-pawnshop-mobile.com |
| Pronto Pawn - Moffett | 4114 Moffett Rd Mobile, AL 36618 | (251) 344-3270 | pronto-pawnshop-mobile.com |
Pawn shops vs payday loan stores in Mobile
Mobile has 22 payday, installment and title loan stores but only 13 pawn shops.
Pawn shops
13
4.9 per 100k residents
Payday & loan stores
22
8.2 per 100k residents
10 store chains
Biggest loan store chains in Mobile: TitleMax (8), Check 'n Go (3), Advance America (2), Check Into Cash (2), OneMain Financial (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 Mobile
- 3.7%
- Pawn cost, share of monthly household income in Mobile
- 2.1%
- A $400 emergency equals
- 2.6 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% |
Mobile at a glance
- Median household income
- $56,909
- Alabama: $65,640
- Poverty rate
- 18.5%
- Alabama: 15.8%
- Households under $25,000
- 23.7%
- Alabama: 20.3%
- A $400 emergency equals
- 2.6 days of income
Payday and installment loan stores in Mobile
For comparison: storefront payday, installment and title lenders in Mobile with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1960 Government St Mobile, AL 36606 | (251) 472-0940 | — | 5.0 |
| 3117 Moffett Rd Mobile, AL 36607 | (251) 471-3601 | — | 5.0 |
| 358 N Craft Hwy Chickasaw, AL 36611 | (251) 452-3704 | — | 4.9 |
| 3710 Airport Blvd Mobile, AL 36608 | (251) 460-2670 | — | 5.0 |
| 3983 Government Blvd Mobile, AL 36693 | (251) 661-7324 | — | 5.0 |
| 4710 Moffett Rd Mobile, AL 36618 | (251) 342-1343 | — | 5.0 |
| 5376 US-90 Mobile, AL 36619 | (251) 602-1900 | — | 5.0 |
| 620 Schillinger Rd S Mobile, AL 36695 | (251) 634-4011 | — | 5.0 |
| 30 Schillinger Rd N #106 Mobile, AL 36608 | (251) 633-7977 | — | 4.8 |
| 3211 Moffett Rd Ste 102 Mobile, AL 36607 | (251) 479-4866 | — | 4.8 |
| 3992 Government Blvd Ste C&D Mobile, AL 36693 | (251) 643-7321 | — | 4.8 |
| 312-U Schillinger Rd. Mobile, AL 36608 | (251) 633-6380 | Mon–Fri 8:30 AM – 5:30 PM Sat–Sun closed |
— |
| 3696 Airport Blvd., Ste. A Mobile, AL 36608 | (251) 476-2693 | Mon–Fri 8:30 AM – 5:30 PM Sat–Sun closed |
— |
| 3102 Airport Blvd Mobile, AL 36606 | (251) 308-7007 | — | 4.9 |
| 5420 US-90 Mobile, AL 36693 | (251) 643-7334 | — | 4.9 |
| 1010 Schillinger Rd S D Mobile, AL 36695 | (251) 634-9655 | — | 4.0 |
| 171 E Interstate 65 Service Rd S Ste E Mobile, AL 36606 | (251) 476-3344 | — | 4.3 |
| 7335 Airport Blvd Ste C Mobile, AL 36608 | (251) 460-3018 | — | 4.6 |
| 6345 Airport Blvd P Mobile, AL 36608 | (251) 308-9000 | — | 4.0 |
| 3250 Airport Blvd #304 Mobile, AL 36606 | (251) 217-9224 | — | 4.8 |
| 5212 Cottage Hill Rd a Mobile, AL 36609 | (251) 665-4644 | — | 4.9 |
| 6401 Airport Blvd b Mobile, AL 36608 | (251) 287-0152 | — | 4.4 |
Pawn shops near Mobile
More about Mobile
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.