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Pawn Shops vs Payday Loans in Warner Robins, GA
8 pawn shops in and around Warner Robins — 8.9 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. Warner Robins ranks #11 of 46 Georgia cities with pawn shops by shops per resident.
- Pawn shops
- 8
- Pawn shops per 100k
- 8.9
- Georgia: 5.0
- Big-chain shops
- 2
- Payday & loan stores
- 7
- Population
- 89,430
Pawn shops in Warner Robins: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Centerville Gun and Pawn | 327 S Houston Lake Rd Warner Robins, GA 31088 | (478) 971-2654 | cvillegunpawn.com |
| Chuck's Gun & Pawn Shop | 603 Watson Blvd Warner Robins, GA 31093 | (478) 922-9851 | chucksgunandpawn.com |
| Complete CashChain | 1243 Russell Pkwy Warner Robins, GA 31088 | (478) 225-2257 | completecash.net |
| Complete CashChain | 1905 Watson Blvd Warner Robins, GA 31088 | (478) 225-2989 | completecash.net |
| E Z Jewelry and Pawn | 1247 Watson Blvd Warner Robins, GA 31093 | (478) 929-4600 | ezjewelryandpawn.com |
| Tony's Pawn Shop | 520 N Davis Dr Warner Robins, GA 31093 | (478) 328-7296 | tonyspawn.com |
| Van's Pawn Mart | 1001 Russell Pkwy Warner Robins, GA 31088 | (478) 302-5888 | stuller.com |
| Wellston Pawn | 2000 Moody Rd Warner Robins, GA 31088 | (478) 922-4549 | shop.wellstonpawninc.com |
Pawn shops vs payday loan stores in Warner Robins
Warner Robins has 8 pawn shops and 7 payday, installment and title loan stores.
Pawn shops
8
8.9 per 100k residents
Payday & loan stores
7
7.8 per 100k residents
4 store chains
Biggest loan store chains in Warner Robins: 1st Franklin Financial (2), OneMain Financial (2), TitleMax (2), Lendmark Financial Services (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 Warner Robins
- 2.5%
- Pawn cost, share of monthly household income in Warner Robins
- 1.7%
- A $400 emergency equals
- 2.0 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 |
Warner Robins at a glance
- Median household income
- $71,659
- Georgia: $79,251
- Poverty rate
- 12.6%
- Georgia: 13.6%
- Households under $25,000
- 15.7%
- Georgia: 15.7%
- A $400 emergency equals
- 2.0 days of income
Payday and installment loan stores in Warner Robins
For comparison: storefront payday, installment and title lenders in Warner Robins with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1112 Russell Pkwy Ste A Warner Robins, GA 31088 | (478) 922-8200 | — | 4.7 |
| 1534 Watson Blvd Warner Robins, GA 31093 | (478) 328-8155 | — | 4.9 |
| 115 Margie Dr Ste B Warner Robins, GA 31093 | (478) 971-3717 | — | 4.6 |
| 4027 Watson Blvd Ste 270 Warner Robins, GA 31093 | (478) 971-2655 | — | 4.3 |
| 1110 Russell Pkwy Warner Robins, GA 31088 | (478) 225-1023 | — | 4.9 |
| 1901 Watson Blvd Warner Robins, GA 31093 | (478) 929-1414 | — | 5.0 |
| 4025 Watson Blvd Ste 270 Warner Robins, GA 31093 | (478) 953-5252 | — | 4.1 |
Pawn shops near Warner Robins
More about Warner Robins
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.