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 Georgia
544 pawn shops in 169 cities and towns across Georgia. Pick a city for the full list with addresses and phone numbers, or scroll down for the smaller towns.
Georgia has about 10,822,612 residents, so that's 5.0 pawn shops per 100,000 people (U.S.: 2.7). For comparison, there are 5.0 payday, installment and title loan stores per 100,000 people in Georgia.
- Pawn shops
- 544
- Cities & towns
- 169
- Pawn shops per 100k
- 5.0
- Loan stores
- 538
- List a phone
- 97.2%
- Have a website
- 77.9%
Pawn shops vs payday loan stores in Georgia
Georgia has 544 pawn shops and 538 payday, installment and title loan stores.
Pawn shops
544
5.0 per 100k residents
Payday & loan stores
538
5.0 per 100k residents
9 store chains
Biggest loan store chains in Georgia: TitleMax (171), 1st Franklin Financial (117), Security Finance (76), OneMain Financial (61), Lendmark Financial Services (57).
Borrowing $500 for one month: payday vs pawn vs credit union
| Option | How it works | Cost for one month |
|---|---|---|
| Payday loan (not legal in Georgia) | $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 Georgia
- 2.3%
- Pawn cost, share of monthly household income in Georgia
- 1.5%
- A $400 emergency equals
- 1.8 days of income
Payday: a typical fee of $75 on a $500 loan for 2 weeks, paid twice for a one-month loan (Georgia 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 Georgia 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 GA | |
|---|---|---|
| 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 Georgia | Pawnbrokers are licensed and regulated by Georgia; fees, terms and holding periods are set by state law | Storefront payday loans are not allowed in Georgia |
Pawn shops by city in Georgia
- Atlanta · 24
- Marietta · 22
- Savannah · 15
- Columbus · 12
- Macon · 12
- Augusta · 11
- Conyers · 9
- Newnan · 9
- Norcross · 9
- Rome · 9
- Cumming · 8
- Dalton · 8
- Douglasville · 8
- Gainesville · 8
- Griffin · 8
- Warner Robins · 8
- Cartersville · 7
- Jonesboro · 7
- Albany · 6
- Brunswick · 6
- Decatur · 6
- Lagrange · 6
- Lawrenceville · 6
- Statesboro · 6
- Carrollton · 5
- Covington · 5
- Valdosta · 5
- Acworth · 4
- Dallas · 4
- Roswell · 4
- Snellville · 4
- Stockbridge · 4
- Athens · 3
- Canton · 3
- Kennesaw · 3
- Mcdonough · 3
- Stone Mountain · 3
- Alpharetta · 2
- Buford · 2
- Lilburn · 2
- Riverdale · 2
- Smyrna · 2
- Woodstock · 2
- Duluth · 1
- Hampton · 1
- Loganville · 1
Where pawn shops cluster in Georgia
Cities ranked by pawn shops per 100,000 residents, with local median household income and poverty rate. Statewide: 5.0 per 100k, median income $79,251.
| City | Pawn shops | Per 100k people | Median income | Poverty rate |
|---|---|---|---|---|
| Griffin | 8 | 12.0 | $62,778 | 18.3% |
| Norcross | 9 | 12.0 | $54,398 | 18.8% |
| Rome | 9 | 11.8 | $62,230 | 17.7% |
| Lagrange | 6 | 10.6 | $54,446 | 19.2% |
| Cartersville | 7 | 10.1 | $81,507 | 10.6% |
| Dalton | 8 | 10.1 | $60,431 | 15.4% |
| Conyers | 9 | 9.4 | $73,204 | 10.7% |
| Statesboro | 6 | 9.1 | $57,267 | 24.2% |
| Brunswick | 6 | 9.1 | $61,652 | 19.6% |
| Newnan | 9 | 9.1 | $89,277 | 9.8% |
| Warner Robins | 8 | 8.9 | $71,659 | 12.6% |
| Carrollton | 5 | 8.0 | $64,259 | 19.0% |
| Jonesboro | 7 | 7.4 | $64,947 | 14.7% |
| Macon | 12 | 7.2 | $55,527 | 24.5% |
| Douglasville | 8 | 7.1 | $85,057 | 10.6% |
Pawn shop chains in Georgia
104 of the 544 pawn shops in Georgia belong to a big chain; the rest are independent.
- Cash America Pawn 47
- Complete Cash 37
- Lending Bear 8
- Value Pawn & Jewelry 7
- EZPAWN 3
- Superpawn 1
- First Cash Pawn 1
Pawn shops in smaller towns of Georgia
Other cities and towns in Georgia with pawn shops, and the number of shops in each.
- Adairsville 2
- Adel 1
- Alma 1
- Americus 2
- Austell 2
- Bainbridge 2
- Ball Ground 1
- Baxley 4
- Blackshear 4
- Blairsville 2
- Blakely 1
- Blue Ridge 2
- Bowdon 1
- Braselton 1
- Bremen 4
- Buena Vista 1
- Byron 3
- Cairo 1
- Calhoun 4
- Cedartown 3
- Chatsworth 4
- Chauncey 1
- Clarkesville 1
- Claxton 1
- Clayton 3
- Cleveland 2
- Commerce 2
- Cordele 3
- Cornelia 3
- Cuthbert 1
- Dahlonega 2
- Danielsville 1
- Darien 1
- Dawson 1
- Dawsonville 2
- Donalsonville 1
- Douglas 6
- Dublin 4
- Eastman 3
- Eatonton 1
- Elberton 1
- Ellijay 2
- Fairburn 2
- Fairmount 1
- Fitzgerald 2
- Flowery Branch 3
- Forest Park 1
- Forsyth 1
- Fort Oglethorpe 3
- Fort Valley 1
- Georgetown 1
- Glennville 2
- Grantville 1
- Grovetown 1
- Hamilton 1
- Hazlehurst 2
- Hephzibah 3
- Hinesville 6
- Hiram 4
- Hogansville 1
- Hoschton 1
- Jackson 1
- Jasper 3
- Jefferson 1
- Jesup 6
- Kingsland 4
- La Fayette 2
- Lavonia 1
- Leesburg 1
- Lincolnton 1
- Locust Grove 2
- Lyerly 1
- Lyons 2
- Mableton 2
- McRae Helena 1
- Metter 1
- Midway 1
- Milan 1
- Milledgeville 3
- Millen 1
- Monroe 3
- Morrow 1
- Moultrie 4
- Mount Airy 1
- Nahunta 1
- Nashville 1
- Oakwood 1
- Peachtree Corners 1
- Pearson 1
- Perry 1
- Pooler 3
- Reidsville 2
- Richmond Hill 2
- Rincon 4
- Ringgold 2
- Roberta 1
- Rockmart 1
- Rossville 5
- Royston 1
- Saint Marys 2
- Summerville 5
- Sylvester 1
- Tallapoosa 1
- Temple 2
- Tennille 1
- Thomaston 3
- Thomasville 4
- Thomson 2
- Tifton 4
- Toccoa 2
- Trenton 1
- Tucker 3
- Union City 3
- Union Point 1
- Vidalia 1
- Villa Rica 2
- Waycross 5
- Waynesboro 2
- Waynesville 1
- West Point 1
- Winder 4
- Wrens 1
- Zebulon 1
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.