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Pawn Shops vs Payday Loans in Lawrenceville, GA
6 pawn shops in and around Lawrenceville — 2.2 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. Lawrenceville ranks #40 of 46 Georgia cities with pawn shops by shops per resident.
- Pawn shops
- 6
- Pawn shops per 100k
- 2.2
- Georgia: 5.0
- Big-chain shops
- 1
- Payday & loan stores
- 8
- Population
- 275,774
Pawn shops in Lawrenceville: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Cash America PawnChain | 192 Scenic Hwy S Lawrenceville, GA 30046 | (770) 682-0990 | find.cashamerica.us |
| CashMax | 960 Pleasant Hill Rd Lawrenceville, GA 30044 | (770) 806-0300 | cashmaxonline.com |
| EquityAuto Loan | 465 W Pike St Lawrenceville, GA 30046 | (770) 237-5022 | — |
| First American Title Lending | 900 Duluth Hwy Ste 800 Lawrenceville, GA 30043 | (770) 339-0400 | — |
| Pawn Smart | 884 Buford Dr Lawrenceville, GA 30043 | (678) 638-1443 | pawnsmartlawrenceville.com |
| Premier Pawn & Jewelry | 1455 Pleasant Hill Rd Lawrenceville, GA 30044 | (770) 381-5825 | ezpawn.com |
Pawn shops vs payday loan stores in Lawrenceville
Lawrenceville has 8 payday, installment and title loan stores but only 6 pawn shops.
Pawn shops
6
2.2 per 100k residents
Payday & loan stores
8
2.9 per 100k residents
5 store chains
Biggest loan store chains in Lawrenceville: TitleMax (4), 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 Lawrenceville
- 2.2%
- Pawn cost, share of monthly household income in Lawrenceville
- 1.4%
- A $400 emergency equals
- 1.8 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 |
Lawrenceville at a glance
- Median household income
- $83,027
- Georgia: $79,251
- Poverty rate
- 11.8%
- Georgia: 13.6%
- Households under $25,000
- 10.9%
- Georgia: 15.7%
- A $400 emergency equals
- 1.8 days of income
Payday and installment loan stores in Lawrenceville
For comparison: storefront payday, installment and title lenders in Lawrenceville with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 210 Scenic Hwy S Lawrenceville, GA 30046 | (770) 339-7608 | — | 5.0 |
| 2349 US-29 Ste J Lawrenceville, GA 30044 | (770) 277-4975 | — | 5.0 |
| 575 W Pike St Suite 4 Lawrenceville, GA 30046 | (678) 502-7033 | — | 5.0 |
| 965 Duluth Hwy Suite 107 Lawrenceville, GA 30043 | (678) 407-2224 | — | 5.0 |
| 2100 Riverside Pkwy Ste 111B Lawrenceville, GA 30043 | (770) 963-5884 | — | 4.8 |
| 911 Duluth Hwy Suite B6 Lawrenceville, GA 30043 | (470) 235-4737 | — | 4.6 |
| 634 Collins Hill Rd Ste B Lawrenceville, GA 30043 | (678) 784-4600 | — | 4.9 |
| 2100 Riverside Pkwy Ste 101 Lawrenceville, GA 30043 | (770) 822-4640 | — | 3.7 |
Pawn shops near Lawrenceville
More about Lawrenceville
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.