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 Douglasville, GA
8 pawn shops in and around Douglasville — 7.1 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. Douglasville ranks #15 of 46 Georgia cities with pawn shops by shops per resident.
- Pawn shops
- 8
- Pawn shops per 100k
- 7.1
- Georgia: 5.0
- Big-chain shops
- 1
- Payday & loan stores
- 6
- Population
- 113,276
Pawn shops in Douglasville: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| 78 Pawn Shop | 12011 Veterans Memorial Hwy Douglasville, GA 30134 | (770) 942-3075 | 78pawnshop.com |
| Cash America PawnChain | 5966 Fairburn Rd Douglasville, GA 30134 | (770) 920-8745 | firstcash.com |
| Double Eagle Pawn Shop | 3347 Ga-5 Douglasville, GA 30135 | (770) 949-1199 | doubleeaglepawnga.com |
| Douglas County Pawn | 11151 Veterans Memorial Hwy Douglasville, GA 30134 | (770) 702-7922 | secondamendmentpawn.com |
| Epawn | 6362 Fairburn Rd Douglasville, GA 30134 | (770) 577-5895 | epawnatl.com |
| First American Title Lending | 2963 Highway 5 Douglasville, GA 30135 | (678) 264-0853 | — |
| Fort Knox Pawn & Loan | 2825 Fairburn Rd Douglasville, GA 30135 | (770) 920-9009 | — |
| Georgia Auto Pawn, Inc. | 6374 Fairburn Rd Douglasville, GA 30134 | (678) 715-2940 | georgiaautopawninc.com |
Pawn shops vs payday loan stores in Douglasville
Douglasville has 8 pawn shops and 6 payday, installment and title loan stores.
Pawn shops
8
7.1 per 100k residents
Payday & loan stores
6
5.3 per 100k residents
5 store chains
Biggest loan store chains in Douglasville: 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 Douglasville
- 2.1%
- Pawn cost, share of monthly household income in Douglasville
- 1.4%
- A $400 emergency equals
- 1.7 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 |
Douglasville at a glance
- Median household income
- $85,057
- Georgia: $79,251
- Poverty rate
- 10.6%
- Georgia: 13.6%
- Households under $25,000
- 11.2%
- Georgia: 15.7%
- A $400 emergency equals
- 1.7 days of income
Payday and installment loan stores in Douglasville
For comparison: storefront payday, installment and title lenders in Douglasville with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 2978 GA-5 Douglasville, GA 30135 | (770) 942-1972 | — | 5.0 |
| 5728 Fairburn Rd Douglasville, GA 30134 | (770) 949-3209 | — | 5.0 |
| 7436 Douglas Blvd Ste B Douglasville, GA 30135 | (770) 942-5464 | — | 4.8 |
| 2987 Chapel Hill Rd Ste 102 Douglasville, GA 30135 | (770) 947-8898 | — | 4.4 |
| 3000 Chapel Hill Rd Ste 204 Douglasville, GA 30135 | (770) 949-5626 | — | 3.9 |
| 3214 GA-5 Douglasville, GA 30135 | (770) 942-5501 | — | 4.7 |
Pawn shops near Douglasville
More about Douglasville
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.