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Pawn Shops vs Payday Loans in Augusta, GA
11 pawn shops in and around Augusta — 5.5 per 100,000 residents, compared with 5.0 across Georgia. Call ahead to ask what they're buying and lending on today: inventory needs change weekly. Augusta ranks #22 of 46 Georgia cities with pawn shops by shops per resident.
- Pawn shops
- 11
- Pawn shops per 100k
- 5.5
- Georgia: 5.0
- Big-chain shops
- 0
- Payday & loan stores
- 14
- Population
- 200,986
Pawn shops in Augusta: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| 4 Brothers Super Pawn | 3036 Deans Bridge Rd Ste 1 Augusta, GA 30906 | (706) 364-5800 | 4brosuperpawn.com |
| Auto Money | 1654 Gordon Hwy Augusta, GA 30906 | (706) 772-5797 | automoneytitlepawn.com |
| Auto Money | 3301 Peach Orchard Rd Augusta, GA 30906 | (706) 790-9533 | automoneytitle.com |
| Downtown Pawn Shop | 564 Broad St Augusta, GA 30901 | (706) 724-7392 | yellowpages.com |
| Express Cash Title | 3120 Peach Orchard Rd Ste 10 Augusta, GA 30906 | (706) 796-8599 | — |
| Georgia Auto Pawn, Inc. | 1752 Gordon Hwy Augusta, GA 30904 | (706) 731-0906 | georgiaautopawninc.com |
| Georgia Auto Pawn, Inc. | 2631 Peach Orchard Rd Augusta, GA 30906 | (706) 798-0088 | georgiaautopawninc.com |
| Georgia Auto Pawn, Inc. | 3109 Deans Bridge Rd Augusta, GA 30906 | (706) 790-1965 | georgiaautopawninc.com |
| Pawn King | 3741 Washington Rd Martinez, GA 30907 | (706) 855-7299 | georgia-pawnking.com |
| Sibley Road Pawn Shop | 2231 Sibley Rd Augusta, GA 30909 | (706) 737-6455 | sibley-road-pawn-shop.business.site |
| Top Dog Pawn | 3109 Washington Rd Augusta, GA 30907 | (706) 426-7835 | top-dog-pawn.com |
Pawn shops vs payday loan stores in Augusta
Augusta has 14 payday, installment and title loan stores but only 11 pawn shops.
Pawn shops
11
5.5 per 100k residents
Payday & loan stores
14
7.0 per 100k residents
7 store chains
Biggest loan store chains in Augusta: TitleMax (6), Security Finance (3), 1st Franklin Financial (1), Check Into Cash (1), Lendmark Financial Services (1).
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 Augusta
- 3.1%
- Pawn cost, share of monthly household income in Augusta
- 2.1%
- A $400 emergency equals
- 2.5 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 |
Augusta at a glance
- Median household income
- $58,514
- Georgia: $79,251
- Poverty rate
- 19.4%
- Georgia: 13.6%
- Households under $25,000
- 23.2%
- Georgia: 15.7%
- A $400 emergency equals
- 2.5 days of income
Payday and installment loan stores in Augusta
For comparison: storefront payday, installment and title lenders in Augusta with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 2625 Deans Bridge Rd # A Augusta, GA 30906 | (706) 796-9094 | — | 5.0 |
| 3096 Deans Bridge Rd Augusta, GA 30906 | (706) 560-9825 | — | 5.0 |
| 3240 Peach Orchard Rd #10 Augusta, GA 30906 | (706) 312-6300 | — | 4.9 |
| 3348 Wrightsboro Rd Augusta, GA 30909 | (706) 396-1595 | — | 5.0 |
| 3865 Washington Rd Martinez, GA 30907 | (706) 860-5848 | — | 4.9 |
| 617 15th St Augusta, GA 30901 | (706) 262-5100 | — | 5.0 |
| 1631 Gordon Hwy Ste 4 Augusta, GA 30906 | (706) 771-7769 | — | 5.0 |
| Sunbelt Credit 221 James Brown Blvd Augusta, GA 30901 | (706) 722-0135 | — | 1.0 |
| 3830 Washington Rd #8 Martinez, GA 30907 | (706) 210-9510 | — | 5.0 |
| 266 Bobby Jones Expy Ste 19 Augusta, GA 30907 | (706) 667-5418 | — | 4.7 |
| 266 Bobby Jones Expy Augusta, GA 30907 | (706) 210-1233 | — | 4.9 |
| 270 Bobby Jones Expy #122 Augusta, GA 30907 | (706) 651-9835 | — | 3.9 |
| 2907 Washington Rd #708 Augusta, GA 30909 | (706) 722-6496 | — | 4.7 |
| 3435 Wrightsboro Rd Ste 1116A Augusta, GA 30909 | (706) 738-8875 | — | 4.0 |
Pawn shops near Augusta
More about Augusta
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.