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Pawn Shops vs Payday Loans in Macon, GA
12 pawn shops in and around Macon — 7.2 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. Macon ranks #14 of 46 Georgia cities with pawn shops by shops per resident.
- Pawn shops
- 12
- Pawn shops per 100k
- 7.2
- Georgia: 5.0
- Big-chain shops
- 2
- Payday & loan stores
- 11
- Population
- 166,261
Pawn shops in Macon: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Cash America PawnChain | 1040 Gray Hwy Macon, GA 31211 | (478) 803-7992 | firstcash.com |
| Complete CashChain | 784 Gray Hwy Macon, GA 31211 | (478) 257-6057 | completecash.net |
| Georgia Auto Pawn, Inc. | 4315 Pio Nono Ave Macon, GA 31206 | (478) 781-5557 | georgiaautopawninc.com |
| Howard's Pawn & Jewelry | 3171 Mercer University Dr Macon, GA 31204 | (478) 743-5727 | gunbroker.com |
| Macon Gun and Pawn | 900 Pio Nono Ave Macon, GA 31204 | (478) 257-7300 | — |
| Macon Pawn & Gun | 3945 Pio Nono Ave Macon, GA 31206 | (478) 738-0806 | maconpawnandgun.com |
| Middle Georgia PAWN | 3151 Napier Ave Macon, GA 31204 | (478) 742-7415 | middle-georgia-pawn.hub.biz |
| Money Mizer Pawns and Jewelers | 2540 Riverside Dr Macon, GA 31204 | (478) 254-3594 | moneymizerpawn.com |
| Ocmulgee Pawn & Trading | 117 Ga-49 Macon, GA 31211 | (478) 746-1066 | ocmulgeepawnandtrading.com |
| Old South Pawn Shop | 4047 Pio Nono Ave Macon, GA 31206 | (478) 788-9291 | ondemandassessment.com |
| Pawn Max | 2404 Pio Nono Ave Macon, GA 31206 | (478) 781-4600 | pawnmaxinc.com |
| Shurlington Jewelry & Pawn | 741 Shurling Dr Macon, GA 31211 | (478) 746-1838 | shurlingtonpawn.com |
Pawn shops vs payday loan stores in Macon
Macon has 12 pawn shops and 11 payday, installment and title loan stores.
Pawn shops
12
7.2 per 100k residents
Payday & loan stores
11
6.6 per 100k residents
6 store chains
Biggest loan store chains in Macon: TitleMax (4), 1st Franklin Financial (2), Security Finance (2), Lendmark Financial Services (1), Mariner 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 Macon
- 3.2%
- Pawn cost, share of monthly household income in Macon
- 2.2%
- A $400 emergency equals
- 2.6 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 |
Macon at a glance
- Median household income
- $55,527
- Georgia: $79,251
- Poverty rate
- 24.5%
- Georgia: 13.6%
- Households under $25,000
- 26.1%
- Georgia: 15.7%
- A $400 emergency equals
- 2.6 days of income
Payday and installment loan stores in Macon
For comparison: storefront payday, installment and title lenders in Macon with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 2507 Pio Nono Ave Macon, GA 31206 | (478) 788-8211 | — | 5.0 |
| 3597 Mercer University Dr Macon, GA 31204 | (478) 471-9447 | — | 5.0 |
| 4121 Pio Nono Ave Macon, GA 31206 | (478) 788-2080 | — | 5.0 |
| 605 Shurling Dr Macon, GA 31217 | (478) 750-7778 | — | 5.0 |
| 234 Tom Hill Sr Blvd Macon, GA 31210 | (478) 477-2430 | — | 4.9 |
| 610 North Ave Ste F Macon, GA 31211 | (478) 745-0713 | — | 4.7 |
| Sunbelt Credit 1421 B Rocky Creek Rd Macon, GA 31206 | (478) 788-9595 | — | 4.9 |
| 4634 Presidential Pkwy Suite N Macon, GA 31206 | (478) 746-9638 | — | 4.8 |
| 225 Tom Hill Sr Blvd A Macon, GA 31210 | (478) 475-5589 | — | 4.0 |
| 5930 Zebulon Rd Macon, GA 31210 | (478) 781-8654 | — | 4.8 |
| 225 Tom Hill Sr Blvd Ste B Macon, GA 31210 | (478) 471-8771 | — | 3.8 |
Pawn shops near Macon
More about Macon
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.