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 Conyers, GA
9 pawn shops in and around Conyers — 9.4 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. Conyers ranks #7 of 46 Georgia cities with pawn shops by shops per resident.
- Pawn shops
- 9
- Pawn shops per 100k
- 9.4
- Georgia: 5.0
- Big-chain shops
- 1
- Payday & loan stores
- 6
- Population
- 95,271
Pawn shops in Conyers: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Cash America PawnChain | 1423 Dogwood Dr SW Conyers, GA 30012 | (678) 509-0318 | find.cashamerica.us |
| Elite Pawn | 2235 Sigman Rd SW Conyers, GA 30012 | (770) 483-1649 | linktr.ee |
| Fieldstone Jewelry and Pawn | 2315 Iris Dr SE Conyers, GA 30013 | (770) 483-8248 | fieldstonejewelryandpawn.com |
| First American Title Lending | 863 Flat Shoals Rd, Suite 863 A1 Conyers, GA 30094 | (770) 761-7069 | firstamericantitlelending.com |
| Lightning Pawn Shop | 1672 Hwy 138 SE East Conyers, GA 30013 | (770) 761-1511 | lightningpawn.net |
| Pawn Depot | 2605 Old Covington Highway SW Conyers, GA 30012 | (770) 648-7982 | pawn-depot.com |
| Pawn Pro | 1370 Highway 138 NE Conyers, GA 30013 | (470) 276-6691 | pawnproconyers.com |
| Phil's Pawn Bank | 911 Center St NE Conyers, GA 30012 | (770) 922-0417 | — |
| Unique Funding | 1794 Iris Dr SW Conyers, GA 30094 | (770) 679-0308 | uniquefunding.com |
Pawn shops vs payday loan stores in Conyers
Conyers has 9 pawn shops and 6 payday, installment and title loan stores.
Pawn shops
9
9.4 per 100k residents
Payday & loan stores
6
6.3 per 100k residents
5 store chains
Biggest loan store chains in Conyers: TitleMax (2), 1st Franklin Financial (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 Conyers
- 2.5%
- Pawn cost, share of monthly household income in Conyers
- 1.6%
- A $400 emergency equals
- 2.0 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 |
Conyers at a glance
- Median household income
- $73,204
- Georgia: $79,251
- Poverty rate
- 10.7%
- Georgia: 13.6%
- Households under $25,000
- 11.0%
- Georgia: 15.7%
- A $400 emergency equals
- 2.0 days of income
Payday and installment loan stores in Conyers
For comparison: storefront payday, installment and title lenders in Conyers with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1203 West Ave SW Conyers, GA 30012 | (770) 929-8661 | — | 5.0 |
| 1896 GA-20 Conyers, GA 30013 | (770) 483-0088 | — | 5.0 |
| 2239 GA-20 Ste C-2 Conyers, GA 30013 | (770) 922-5001 | — | 4.7 |
| 1745 GA-138 Ste C-5 Conyers, GA 30013 | (770) 761-8333 | — | 4.7 |
| 1543 Hwy 138 SE Ste O Conyers, GA 30013 | (470) 467-0190 | — | 4.7 |
| 2239 GA-20 Ste E Ste 138 Conyers, GA 30013 | (770) 785-9499 | — | 4.1 |
Pawn shops near Conyers
More about Conyers
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.