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Pawn Shops vs Payday Loans in Savannah, GA
15 pawn shops in and around Savannah — 6.3 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. Savannah ranks #19 of 46 Georgia cities with pawn shops by shops per resident.
- Pawn shops
- 15
- Pawn shops per 100k
- 6.3
- Georgia: 5.0
- Big-chain shops
- 4
- Payday & loan stores
- 13
- Population
- 239,015
Pawn shops in Savannah: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| A & G Pawn & Jewelry | 4532 Ogeechee Rd Savannah, GA 31405 | (912) 233-7683 | aandgpawn.com |
| American Lending Company | 5815 Waters Ave Savannah, GA 31404 | (912) 352-0035 | americanlendingsavannah.com |
| Barnett Finance Company | 7300 Abercorn St Savannah, GA 31406 | (912) 692-0008 | — |
| Cash America PawnChain | 2131 E Victory Dr Savannah, GA 31404 | (912) 352-9173 | cashamerica.com |
| Cash America PawnChain | 5148 Ga-21 Garden City, GA 31408 | (912) 964-1744 | find.cashamerica.us |
| Cash America PawnChain | 6608 White Bluff Rd Savannah, GA 31405 | (912) 351-0200 | firstcash.com |
| Crossroads Pawn & Sales | 2302 Skidaway Rd Savannah, GA 31404 | (912) 233-1209 | savannahpawn.com |
| EquityAuto Loan | 4219 Augusta Rd Garden City, GA 31408 | (912) 721-4480 | — |
| Georgia Auto Pawn | 8840 Abercorn St Savannah, GA 31406 | (912) 921-1003 | georgiaautopawninc.com |
| Gold Mine Loan and Jewelry | 8110 White Bluff Rd Savannah, GA 31406 | (912) 920-9822 | goldmineofsavannah.com |
| Lending BearChain | 2412 Skidaway Rd Savannah, GA 31404 | (912) 234-9998 | lendingbear.com |
| Port City Pawn Shop | 522 Us-80 Garden City, GA 31408 | (912) 966-5047 | portcitypawnonline.com |
| Southside Jewelry and Loan | 8303 White Bluff Rd Savannah, GA 31406 | (912) 925-1121 | southside-loan.lany.io |
| Welsh Pawn Shop | 32 E Derenne Ave Savannah, GA 31405 | (912) 352-4474 | welshpawn.com |
| Welsh Pawn Shop | 3200 Skidaway Rd Savannah, GA 31404 | (912) 356-9100 | welshpawn.com |
Pawn shops vs payday loan stores in Savannah
Savannah has 15 pawn shops and 13 payday, installment and title loan stores.
Pawn shops
15
6.3 per 100k residents
Payday & loan stores
13
5.4 per 100k residents
7 store chains
Biggest loan store chains in Savannah: TitleMax (5), Lendmark Financial Services (2), OneMain Financial (2), 1st Franklin Financial (1), ACE Cash Express (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 Savannah
- 2.7%
- Pawn cost, share of monthly household income in Savannah
- 1.8%
- A $400 emergency equals
- 2.2 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 |
Savannah at a glance
- Median household income
- $65,513
- Georgia: $79,251
- Poverty rate
- 16.2%
- Georgia: 13.6%
- Households under $25,000
- 18.2%
- Georgia: 15.7%
- A $400 emergency equals
- 2.2 days of income
Payday and installment loan stores in Savannah
For comparison: storefront payday, installment and title lenders in Savannah with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 10403 Abercorn St Savannah, GA 31419 | (912) 927-9888 | — | 5.0 |
| 2800 Skidaway Rd Savannah, GA 31404 | (912) 303-9785 | — | 4.9 |
| 4215 Augusta Rd Garden City, GA 31408 | (912) 525-2446 | — | 4.9 |
| 5507 Abercorn St Savannah, GA 31405 | (912) 352-1870 | — | 4.9 |
| 6006 Ogeechee Rd Savannah, GA 31419 | (912) 721-8030 | — | 5.0 |
| 5730 Ogeechee Rd Suite 460 Savannah, GA 31405 | (912) 744-9030 | — | 4.5 |
| 7805 Abercorn St Ste B-22 Savannah, GA 31406 | (912) 691-1776 | — | 3.3 |
| 11609 Abercorn St Ste G Savannah, GA 31419 | (912) 961-6551 | — | 4.5 |
| 7805 Abercorn St #10 Savannah, GA 31406 | (912) 355-2524 | — | 4.0 |
| 1100 Eisenhower Dr Ste 27 Savannah, GA 31406 | (912) 352-7640 | — | 4.9 |
| 4328 Augusta Rd Garden City, GA 31408 | (912) 964-2274 | — | 4.8 |
| 3 E Montgomery Cross Rd Savannah, GA 31406 | (912) 233-6420 | — | 4.8 |
| 100 Bull St Suite 200 Savannah, GA 31401 | (912) 348-7200 | — | 4.6 |
Pawn shops near Savannah
More about Savannah
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.