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 Columbus, GA
12 pawn shops in and around Columbus — 6.6 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. Columbus ranks #18 of 46 Georgia cities with pawn shops by shops per resident.
- Pawn shops
- 12
- Pawn shops per 100k
- 6.6
- Georgia: 5.0
- Big-chain shops
- 2
- Payday & loan stores
- 15
- Population
- 181,152
Pawn shops in Columbus: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| A Better Pawn | 4400 2nd Ave #4 Columbus, GA 31904 | (706) 507-2274 | — |
| A-1 Pawn Shop | 3551 Victory Dr Columbus, GA 31903 | (706) 682-0171 | a-1pawnshop.com |
| Alpine Pawn & Sporting Goods | 4000 Buena Vista Rd Columbus, GA 31907 | (706) 563-4133 | cityseekr.com |
| Cash America PawnChain | 2419 Manchester Expy Columbus, GA 31904 | (706) 323-4261 | firstcash.com |
| Cash America PawnChain | 3239 Victory Dr Columbus, GA 31903 | (706) 687-3375 | find.cashamerica.us |
| Diamond Exchange | 4227 Victory Dr Columbus, GA 31903 | (706) 682-1616 | diamondexchange.org |
| Express Pawn | 5372 Veterans Pkwy Columbus, GA 31904 | (706) 221-5308 | titlecashusa.com |
| Georgia Auto Pawn, Inc. | 3748 Victory Dr Columbus, GA 31903 | (706) 689-4488 | georgiaautopawninc.com |
| Georgia Auto Pawn, Inc. | 5383 Veterans Pkwy Columbus, GA 31904 | (706) 324-7999 | georgiaautopawninc.com |
| Money Mizer Pawns And Jewelers Of Columbus, Ga | 1648 Manchester Expy Columbus, GA 31904 | (706) 322-0561 | moneymizerpawn.com |
| Village Pawn Shop | 937 Fort Benning Rd Columbus, GA 31903 | (706) 689-3928 | yelp.com |
| Wild Bill's Jewelry and Pawn | 3475 Buena Vista Rd Columbus, GA 31906 | (706) 682-7296 | wildbillspartyshop.com |
Pawn shops vs payday loan stores in Columbus
Columbus has 15 payday, installment and title loan stores but only 12 pawn shops.
Pawn shops
12
6.6 per 100k residents
Payday & loan stores
15
8.3 per 100k residents
6 store chains
Biggest loan store chains in Columbus: TitleMax (6), 1st Franklin Financial (2), Lendmark Financial Services (2), OneMain Financial (2), Security Finance (2).
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 Columbus
- 3.3%
- Pawn cost, share of monthly household income in Columbus
- 2.2%
- A $400 emergency equals
- 2.7 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 |
Columbus at a glance
- Median household income
- $54,802
- Georgia: $79,251
- Poverty rate
- 20.2%
- Georgia: 13.6%
- Households under $25,000
- 23.5%
- Georgia: 15.7%
- A $400 emergency equals
- 2.7 days of income
Payday and installment loan stores in Columbus
For comparison: storefront payday, installment and title lenders in Columbus with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 2777 Airport Thruway Columbus, GA 31909 | (706) 223-5540 | — | 5.0 |
| 3515 Macon Rd Columbus, GA 31907 | (706) 561-4646 | — | 5.0 |
| 3809 Victory Dr Ste A Columbus, GA 31903 | (706) 685-3133 | — | 4.9 |
| 4220 Buena Vista Rd Ste D Columbus, GA 31907 | (706) 685-8508 | — | 5.0 |
| 4507 Veterans Pkwy Columbus, GA 31904 | (706) 322-1070 | — | 5.0 |
| 6361 Talokas Lane Ste C-100 Columbus, GA 31909 | (706) 223-5522 | — | 4.9 |
| 1056 Manchester Expy Ste A-5 Columbus, GA 31904 | (706) 317-2428 | — | 4.9 |
| 7830 Veterans Pkwy Suite F Columbus, GA 31909 | (706) 322-7804 | — | 4.8 |
| 3740 Macon Rd Ste e Columbus, GA 31907 | (706) 405-2500 | — | 4.0 |
| 6770 Veterans Pkwy Ste m Columbus, GA 31909 | (706) 327-8708 | — | 3.2 |
| 2483 Airport Thruway Columbus, GA 31904 | (706) 324-6684 | — | 4.6 |
| 3803 Macon Rd Columbus, GA 31907 | (706) 563-1568 | — | 4.6 |
| 2424 Woodruff Farm Rd Spc D Columbus, GA 31907 | (706) 689-1900 | — | 4.7 |
| 5820 Veterans Pkwy Ste 305 Columbus, GA 31904 | (706) 322-9200 | — | 2.6 |
| 3740 Macon Rd A Columbus, GA 31907 | (706) 568-4006 | — | 4.7 |
Pawn shops near Columbus
More about Columbus
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.