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Pawn Shops vs Payday Loans in Carrollton, GA
5 pawn shops in and around Carrollton — 8.0 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. Carrollton ranks #12 of 46 Georgia cities with pawn shops by shops per resident.
- Pawn shops
- 5
- Pawn shops per 100k
- 8.0
- Georgia: 5.0
- Big-chain shops
- 1
- Payday & loan stores
- 6
- Population
- 62,703
Pawn shops in Carrollton: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Buck Creek Pawn & Jewelry | 2692 N Highway 27 Carrollton, GA 30117 | (770) 834-1881 | buckcreekpawn-hub.com |
| Carrollton Jewelry & Pawn | 2789 Carrollton Villa Rica Hwy Carrollton, GA 30116 | (770) 832-0070 | carrolltonjewelryandpawn.com |
| City Pawn | 205 N Park St Suite A Carrolton, GA 30117 | — | — |
| Complete CashChain | 312 Maple St Carrollton, GA 30117 | (678) 664-0357 | completecash.net |
| Fast Cash | 561 Newnan Rd Carrollton, GA 30117 | (770) 830-7009 | fastcashcarrollton.com |
Pawn shops vs payday loan stores in Carrollton
Carrollton has 6 payday, installment and title loan stores but only 5 pawn shops.
Pawn shops
5
8.0 per 100k residents
Payday & loan stores
6
9.6 per 100k residents
5 store chains
Biggest loan store chains in Carrollton: TitleMax (2), 1st Franklin Financial (1), Lendmark Financial Services (1), OneMain Financial (1), Security Finance (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 Carrollton
- 2.8%
- Pawn cost, share of monthly household income in Carrollton
- 1.9%
- A $400 emergency equals
- 2.3 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 |
Carrollton at a glance
- Median household income
- $64,259
- Georgia: $79,251
- Poverty rate
- 19.0%
- Georgia: 13.6%
- Households under $25,000
- 19.9%
- Georgia: 15.7%
- A $400 emergency equals
- 2.3 days of income
Payday and installment loan stores in Carrollton
For comparison: storefront payday, installment and title lenders in Carrollton with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 744 Bankhead Hwy Ste B Carrollton, GA 30117 | (770) 834-3209 | — | 5.0 |
| 928 S Park St Ste A Carrollton, GA 30117 | (678) 796-9670 | — | 4.9 |
| 444 Stripling Chapel Rd Ste 300 Carrollton, GA 30117 | (770) 834-6621 | — | 4.8 |
| 1109 S Park St #510 Carrollton, GA 30117 | (470) 868-3738 | — | 4.8 |
| 1141 Bankhead Hwy g Carrollton, GA 30116 | (770) 214-0244 | — | 4.2 |
| 511 Bankhead Hwy Carrollton, GA 30117 | (770) 838-7884 | — | 4.8 |
Pawn shops near Carrollton
More about Carrollton
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.