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Pawn Shops vs Payday Loans in Griffin, GA
8 pawn shops in and around Griffin — 12.0 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. Griffin ranks #1 of 46 Georgia cities with pawn shops by shops per resident.
- Pawn shops
- 8
- Pawn shops per 100k
- 12.0
- Georgia: 5.0
- Big-chain shops
- 1
- Payday & loan stores
- 6
- Population
- 66,608
Pawn shops in Griffin: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Cash America PawnChain | 1503 W Highway 16 Ste B Griffin, GA 30223 | (770) 229-6100 | cashamerica.com |
| E Pawn Griffin | 1301 W Taylor St Griffin, GA 30223 | (770) 228-7525 | epawnatl.com |
| Georgia Auto Pawn | 1303 W Taylor St Griffin, GA 30223 | (770) 233-8290 | georgiaautopawninc.com |
| Premier Gold and Pawn | 1403 N Expressway Griffin, GA 30223 | (678) 688-8208 | ebay.com |
| Rita's Jewelry Pawn & Gifts | 420 W Solomon St Griffin, GA 30223 | (770) 227-7715 | ritasjewelrypawnandgifts.com |
| Sam Pawn Shop | 1027 W Taylor St Griffin, GA 30223 | (470) 204-8134 | griffinpawn.com |
| Spalding Pawn | 2901 Express Way N Griffin, GA 30223 | (770) 228-6261 | — |
| Title Exchange Of Griffin | 1029 W Taylor St Griffin, GA 30223 | (770) 412-0100 | titleexchangeandpawnofgriffin.com |
Pawn shops vs payday loan stores in Griffin
Griffin has 8 pawn shops and 6 payday, installment and title loan stores.
Pawn shops
8
12.0 per 100k residents
Payday & loan stores
6
9.0 per 100k residents
5 store chains
Biggest loan store chains in Griffin: 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 Griffin
- 2.9%
- Pawn cost, share of monthly household income in Griffin
- 1.9%
- A $400 emergency equals
- 2.3 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 |
Griffin at a glance
- Median household income
- $62,778
- Georgia: $79,251
- Poverty rate
- 18.3%
- Georgia: 13.6%
- Households under $25,000
- 21.2%
- Georgia: 15.7%
- A $400 emergency equals
- 2.3 days of income
Payday and installment loan stores in Griffin
For comparison: storefront payday, installment and title lenders in Griffin with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1308 W Taylor St Griffin, GA 30223 | (770) 412-9390 | — | 4.9 |
| 1650 N Expy Griffin, GA 30223 | (770) 412-6531 | — | 5.0 |
| 1629 N Expy Griffin, GA 30223 | (770) 412-6822 | — | 4.9 |
| 1424 N Expy #124 Griffin, GA 30223 | (470) 204-1617 | — | 5.0 |
| 1525 N Expy Griffin, GA 30223 | (770) 227-4908 | — | 4.1 |
| 1424 N Expy #118 Griffin, GA 30223 | (770) 228-5084 | — | 4.8 |
Pawn shops near Griffin
More about Griffin
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.