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Pawn Shops vs Payday Loans in Cartersville, GA
7 pawn shops in and around Cartersville — 10.1 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. Cartersville ranks #5 of 46 Georgia cities with pawn shops by shops per resident.
- Pawn shops
- 7
- Pawn shops per 100k
- 10.1
- Georgia: 5.0
- Big-chain shops
- 1
- Payday & loan stores
- 7
- Population
- 69,048
Pawn shops in Cartersville: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Big Buck$ Gun & Pawn | 143 E Felton Rd Cartersville, GA 30120 | (470) 315-4653 | cherokeegun.com |
| Cartersville Pawn and Shop | 134 W Main St Cartersville, GA 30120 | (770) 383-3080 | cartersvillepawnnshop.com |
| City Pawn Shop | 407 N Tennessee St Cartersville, GA 30120 | (770) 386-2163 | citypawncartersville.com |
| Complete CashChain | 412a Grassdale Rd Cartersville, GA 30121 | (678) 721-0907 | completecash.net |
| EquityAuto Loan | 242 N Dixie Ave Cartersville, GA 30120 | (678) 605-8999 | — |
| Full Throttle Pawn | 1350 Joe Frank Harris Pkwy SE Cartersville, GA 30120 | (770) 334-8697 | fullthrottlepawn.com |
| PawnTastic LLC | 617 N Tennessee St Cartersville, GA 30120 | (678) 721-4199 | — |
Pawn shops vs payday loan stores in Cartersville
Cartersville has 7 pawn shops and 7 payday, installment and title loan stores.
Pawn shops
7
10.1 per 100k residents
Payday & loan stores
7
10.1 per 100k residents
7 store chains
Biggest loan store chains in Cartersville: 1st Franklin Financial (1), Check Into Cash (1), Lendmark Financial Services (1), Mariner Finance (1), OneMain Financial (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 Cartersville
- 2.2%
- Pawn cost, share of monthly household income in Cartersville
- 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 |
Cartersville at a glance
- Median household income
- $81,507
- Georgia: $79,251
- Poverty rate
- 10.6%
- Georgia: 13.6%
- Households under $25,000
- 12.3%
- Georgia: 15.7%
- A $400 emergency equals
- 1.8 days of income
Payday and installment loan stores in Cartersville
For comparison: storefront payday, installment and title lenders in Cartersville with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 402 E Church St Ste 109 Cartersville, GA 30121 | (770) 386-0331 | — | 4.8 |
| 422 N Tennessee St Cartersville, GA 30120 | (770) 607-3383 | — | 4.8 |
| 340 Cherokee Pl SE Cartersville, GA 30121 | (770) 607-9257 | — | 4.6 |
| 443 E Main St Cartersville, GA 30121 | (770) 607-4032 | — | 4.6 |
| 853 Joe Frank Harris Pkwy SE Cartersville, GA 30120 | (770) 386-3838 | — | 4.3 |
| 207 E Felton Rd Ste 110 Cartersville, GA 30121 | (770) 387-8475 | — | 4.8 |
| 47 N Morningside Dr Cartersville, GA 30121 | (770) 382-2298 | — | 5.0 |
Pawn shops near Cartersville
More about Cartersville
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.