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Pawn Shops vs Payday Loans in Valdosta, GA
5 pawn shops in and around Valdosta — 5.2 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. Valdosta ranks #23 of 46 Georgia cities with pawn shops by shops per resident.
- Pawn shops
- 5
- Pawn shops per 100k
- 5.2
- Georgia: 5.0
- Big-chain shops
- 0
- Payday & loan stores
- 8
- Population
- 95,447
Pawn shops in Valdosta: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| First Choice Jewelry & Pawn | 1520 N Ashley St Valdosta, GA 31602 | (229) 242-2146 | 1stpawnga.com |
| Georgia Auto Pawn, Inc. | 2005 W Hill Ave Valdosta, GA 31601 | (229) 671-9140 | georgiaautopawninc.com |
| Money Depot | 2108 N Ashley St Valdosta, GA 31602 | (229) 245-8000 | mdvaldosta.com |
| Pawn USA | 1113 N Ashley St Valdosta, GA 31601 | (229) 241-9040 | pawnusainc.com |
| Valdosta Pawn | 1401 Baytree Rd Valdosta, GA 31602 | (229) 247-2722 | valdostapawn.com |
Pawn shops vs payday loan stores in Valdosta
Valdosta has 8 payday, installment and title loan stores but only 5 pawn shops.
Pawn shops
5
5.2 per 100k residents
Payday & loan stores
8
8.4 per 100k residents
6 store chains
Biggest loan store chains in Valdosta: Lendmark Financial Services (2), TitleMax (2), 1st Franklin Financial (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 Valdosta
- 3.4%
- Pawn cost, share of monthly household income in Valdosta
- 2.3%
- A $400 emergency equals
- 2.7 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 |
Valdosta at a glance
- Median household income
- $53,113
- Georgia: $79,251
- Poverty rate
- 23.1%
- Georgia: 13.6%
- Households under $25,000
- 25.5%
- Georgia: 15.7%
- A $400 emergency equals
- 2.7 days of income
Payday and installment loan stores in Valdosta
For comparison: storefront payday, installment and title lenders in Valdosta with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1601 Baytree Rd A2 Valdosta, GA 31602 | (229) 247-4855 | — | 4.4 |
| 2906 N Ashley St Valdosta, GA 31602 | (229) 375-5252 | — | 4.9 |
| 3024 N Ashley St Valdosta, GA 31602 | (229) 244-9820 | — | 4.9 |
| 811 N Ashley St Ste A Valdosta, GA 31601 | (229) 219-8604 | — | 5.0 |
| 1900 Gornto Rd Ste g Valdosta, GA 31602 | (229) 247-3558 | — | 4.6 |
| 1525 Baytree Rd Ste G Valdosta, GA 31602 | (229) 242-0795 | — | 4.9 |
| 1525 Baytree Rd K Valdosta, GA 31602 | (229) 244-6671 | — | 3.7 |
| Sunbelt Credit 1835 Norman Dr Ste D Valdosta, GA 31601 | (229) 247-1300 | — | 4.9 |
Pawn shops near Valdosta
More about Valdosta
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.