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Pawn Shops vs Payday Loans in Columbia, SC
15 pawn shops in and around Columbia — 4.3 per 100,000 residents, compared with 3.2 across South Carolina. Call ahead to ask what they're buying and lending on today: inventory needs change weekly. Columbia ranks #9 of 24 South Carolina cities with pawn shops by shops per resident.
- Pawn shops
- 15
- Pawn shops per 100k
- 4.3
- South Carolina: 3.2
- Big-chain shops
- 2
- Payday & loan stores
- 25
- Population
- 345,750
Pawn shops in Columbia: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Best Deal Pawn and Gun | 6207 Two Notch Rd Columbia, SC 29223 | (803) 786-0000 | kenqueen.com |
| Bonded Loan Office | 1328 Assembly St Columbia, SC 29201 | (803) 252-1105 | bondedloan.net |
| Broad River Pawn | 2301 Bush River Rd Ste E Columbia, SC 29210 | (803) 799-7277 | — |
| Decker's Jewelry And Pawn | 1735 Decker Blvd Ste 70 Columbia, SC 29206 | (803) 790-4118 | deckersjewelryandpawn.com |
| First Cash PawnChain | 3102 Broad River Rd Columbia, SC 29210 | (803) 798-3777 | firstcash.com |
| First Cash PawnChain | 6908 Two Notch Rd Columbia, SC 29223 | (803) 419-3978 | firstcash.com |
| Gold Pros | 7201 Two Notch Rd Columbia, SC 29223 | (803) 730-5280 | goldpros.com |
| Gold Valley | 7201 Two Notch Rd Columbia, SC 29223 | (803) 419-3055 | — |
| Palmetto Gold and Pawn | 1722 Broad River Rd Columbia, SC 29210 | (803) 750-7296 | pawnitfast.com |
| Palmetto Jewelry & Loan | 2700 Broad River Rd Ste J Columbia, SC 29210 | (803) 213-9955 | palmettojewelryandloan.com |
| People's Pawn Shop | 1324 Assembly St Columbia, SC 29201 | (803) 256-1888 | peoplespawncolumbia.com |
| Quick Cash Gold & Pawn | 10244 Two Notch Rd #2 Columbia, SC 29229 | (803) 788-7296 | wegotspacenow.com |
| Quick Cash Gold and Pawn | 1906 Decker Blvd Columbia, SC 29206 | (803) 782-1600 | pawnitfast.com |
| Quick Cash Gold and Pawn | 7410 Garners Ferry Rd Columbia, SC 29209 | (803) 695-0045 | palmettogoldandpawn.com |
| Tri-city Pawn Shop Inc | 612 Beltline Blvd Columbia, SC 29205 | (803) 796-5255 | — |
Pawn shops vs payday loan stores in Columbia
Columbia has 25 payday, installment and title loan stores but only 15 pawn shops.
Pawn shops
15
4.3 per 100k residents
Payday & loan stores
25
7.2 per 100k residents
9 store chains
Biggest loan store chains in Columbia: TitleMax (7), OneMain Financial (4), ACE Cash Express (3), Security Finance (3), Advance America (2).
Borrowing $500 for one month: payday vs pawn vs credit union
| Option | How it works | Cost for one month |
|---|---|---|
| Payday loan (~391% APR) | $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 Columbia
- 3.1%
- Pawn cost, share of monthly household income in Columbia
- 2.0%
- A $400 emergency equals
- 2.5 days of income
Payday: the SC maximum — $75 on a $500 loan for 2 weeks, paid twice for a one-month loan. Pawn: an example rate of 20% a month; pawn fees and interest are set by South Carolina 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. Income: U.S. Census Bureau, American Community Survey.
Pawn loan vs payday loan: the key differences
| Pawn loan | Payday loan in SC | |
|---|---|---|
| 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 South Carolina | Pawnbrokers are licensed and regulated by South Carolina; fees, terms and holding periods are set by state law | Allowed, up to $500; typical APR ~391% |
Columbia at a glance
- Median household income
- $58,909
- South Carolina: $69,406
- Poverty rate
- 20.5%
- South Carolina: 14.4%
- Households under $25,000
- 20.0%
- South Carolina: 17.7%
- A $400 emergency equals
- 2.5 days of income
Payday and installment loan stores in Columbia
For comparison: storefront payday, installment and title lenders in Columbia with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 3038 Broad River Rd Columbia, SC 29210 | (803) 750-0005 | — | 4.9 |
| 3100 Two Notch Rd Columbia, SC 29204 | (803) 376-0079 | — | 5.0 |
| 331 Killian Rd Ste B-1 Columbia, SC 29203 | (803) 509-5430 | — | 5.0 |
| 3908 N Main St Columbia, SC 29203 | (803) 788-4836 | — | 5.0 |
| 6157A St Andrews Rd Ste A Columbia, SC 29212 | (803) 731-8540 | — | 5.0 |
| 7301 Two Notch Rd Ste A Columbia, SC 29223 | (803) 788-0700 | — | 5.0 |
| 7354 Garners Ferry Rd Columbia, SC 29209 | (803) 783-8360 | — | 5.0 |
| 110 Forum Dr Ste 3 Columbia, SC 29229 | (803) 736-4785 | — | 4.3 |
| 2130 N Beltline Blvd #102 Columbia, SC 29204 | (803) 782-3811 | — | 4.4 |
| 275 Harbison Blvd ste j Columbia, SC 29212 | (803) 732-2076 | — | 4.7 |
| 7457 Patterson Rd #103 Columbia, SC 29209 | (803) 783-2472 | — | 3.9 |
| 1520 Broad River Rd Columbia, SC 29210 | (803) 772-0508 | — | 4.9 |
| 2324 Taylor St Columbia, SC 29204 | (803) 988-7021 | — | 4.9 |
| 6432 Two Notch Rd K Columbia, SC 29223 | (803) 735-1747 | — | 4.8 |
| Sunbelt Credit 1950 Bush River Rd Ste 7 Columbia, SC 29210 | (803) 786-1100 | — | 4.9 |
| 2101 Main St Ste D Columbia, SC 29201 | (803) 765-9670 | — | 4.8 |
| 3902 Two Notch Rd Ste D Columbia, SC 29204 | (803) 714-7100 | — | 4.9 |
| 7535-A Garners Ferry Rd. Columbia, SC 29209 | (803) 776-3397 | Mon–Fri 9:00 AM – 5:30 PM Sat 9:00 AM – 12:00 PM Sun closed |
— |
| 9003 Two Notch Rd., Ste. 11 Columbia, SC 29223 | (803) 419-1935 | Mon–Fri 9:00 AM – 5:30 PM Sat–Sun closed |
— |
| 7358 Garners Ferry Rd STE 131 Columbia, SC 29209 | (803) 769-3178 | — | 5.0 |
| 7358 Two Notch Rd Ste A Columbia, SC 29223 | (803) 419-1331 | — | 4.9 |
| 10136 Two Notch Rd Suite 3 Columbia, SC 29229 | (803) 462-1668 | — | 3.1 |
| 7001 St Andrews Rd Unit A-18 Columbia, SC 29212 | (803) 407-9099 | — | 4.8 |
| 9003 Two Notch Rd Ste 9H Columbia, SC 29223 | (803) 462-6960 | — | 4.8 |
| 4611 Hard Scrabble Rd Ste 113 Columbia, SC 29229 | (803) 233-3020 | — | 5.0 |
Pawn shops near Columbia
More about Columbia
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.