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Pawn Shops vs Payday Loans in Dalton, GA
8 pawn shops in and around Dalton — 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. Dalton ranks #6 of 46 Georgia cities with pawn shops by shops per resident.
- Pawn shops
- 8
- Pawn shops per 100k
- 10.1
- Georgia: 5.0
- Big-chain shops
- 3
- Payday & loan stores
- 9
- Population
- 79,599
Pawn shops in Dalton: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Cash America PawnChain | 2600 E Walnut Ave Dalton, GA 30721 | (706) 259-9050 | cashamerica.com |
| Cash America PawnChain | 2705 E. Walnut Avenue Dalton, GA 30721 | — | — |
| Check Into Cash | 1133 N Glenwood Ave Dalton, GA 30721 | (706) 226-0270 | local.checkintocash.com |
| Dawnville Pawn | 1209 Dawnville Rd NE Dalton, GA 30721 | (706) 370-4999 | dawnvillepawn.com |
| Georgia Auto Pawn, Inc. | 201 W Walnut Ave Dalton, GA 30720 | (706) 278-6560 | georgiaautopawninc.com |
| Jacks Pawn & Gun | 214 S Hamilton St Dalton, GA 30720 | (706) 226-6432 | jackspawn.com |
| Title Exchange & Pawn Of Dalton | 300 N Glenwood Ave Dalton, GA 30721 | (706) 275-0644 | cashstoreinc.com |
| Value Pawn & JewelryChain | 1100 E Walnut Ave Dalton, GA 30721 | (706) 281-1809 | valuepawnandjewelry.com |
Pawn shops vs payday loan stores in Dalton
Dalton has 9 payday, installment and title loan stores but only 8 pawn shops.
Pawn shops
8
10.1 per 100k residents
Payday & loan stores
9
11.3 per 100k residents
6 store chains
Biggest loan store chains in Dalton: TitleMax (3), Lendmark Financial Services (2), 1st Franklin Financial (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 Dalton
- 3.0%
- Pawn cost, share of monthly household income in Dalton
- 2.0%
- A $400 emergency equals
- 2.4 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 |
Dalton at a glance
- Median household income
- $60,431
- Georgia: $79,251
- Poverty rate
- 15.4%
- Georgia: 13.6%
- Households under $25,000
- 18.2%
- Georgia: 15.7%
- A $400 emergency equals
- 2.4 days of income
Payday and installment loan stores in Dalton
For comparison: storefront payday, installment and title lenders in Dalton with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1133 N Glenwood Ave Dalton, GA 30721 | (706) 226-0270 | — | 4.9 |
| 2600 E Walnut Ave Ste B Dalton, GA 30721 | (706) 271-0077 | — | 5.0 |
| 301 N Glenwood Ave Dalton, GA 30721 | (706) 278-1129 | — | 4.9 |
| 100 W Walnut Ave Ste 124 Dalton, GA 30720 | (706) 217-6124 | — | 3.7 |
| 2535 E Walnut Ave Ste M13 Dalton, GA 30721 | (706) 847-4549 | — | 4.6 |
| 514 Fleming St Ste 4 Dalton, GA 30721 | (706) 226-7417 | — | 4.8 |
| 443 Gillum Dr Ste. 2 Dalton, GA 30721 | (706) 529-4565 | — | 4.8 |
| 101 E Crawford St #103 Dalton, GA 30721 | (706) 278-1700 | — | 4.2 |
| 708 S Glenwood Ave Ste 310 Dalton, GA 30721 | (706) 278-1005 | — | 4.9 |
Pawn shops near Dalton
More about Dalton
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.