Compare legal limits, fees and the true cost of small loans in your state before you talk to any lender. Compare legal limits, fees and the true cost of small loans in your state.
Pawn Shops vs Payday Loans in Rock Hill, SC
5 pawn shops in and around Rock Hill — 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. Rock Hill ranks #11 of 24 South Carolina cities with pawn shops by shops per resident.
- Pawn shops
- 5
- Pawn shops per 100k
- 4.3
- South Carolina: 3.2
- Big-chain shops
- 1
- Payday & loan stores
- 10
- Population
- 116,606
Pawn shops in Rock Hill: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| David's Pawn Shop | 1425 Cherry Rd Rock Hill, SC 29732 | (803) 328-0761 | davidspawnshop.net |
| First Cash PawnChain | 1425 Cherry Rd Rock Hill, SC 29732 | — | — |
| Rock Hill Pawn Shop | 2009 Cherry Rd Rock Hill, SC 29732 | (803) 327-6500 | therockhillpawnshop.com |
| Teague's Pawn Shop | 262 S Cherry Rd Rock Hill, SC 29732 | (803) 327-2858 | teaguespawnshop.com |
| World Record Holder Pawn | 209 Albright Rd Rock Hill, SC 29730 | (803) 325-1212 | lan-de-con.com |
Pawn shops vs payday loan stores in Rock Hill
Rock Hill has 10 payday, installment and title loan stores but only 5 pawn shops.
Pawn shops
5
4.3 per 100k residents
Payday & loan stores
10
8.6 per 100k residents
8 store chains
Biggest loan store chains in Rock Hill: OneMain Financial (2), TitleMax (2), 1st Franklin Financial (1), ACE Cash Express (1), Advance America (1).
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 Rock Hill
- 2.5%
- Pawn cost, share of monthly household income in Rock Hill
- 1.7%
- A $400 emergency equals
- 2.0 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% |
Rock Hill at a glance
- Median household income
- $71,533
- South Carolina: $69,406
- Poverty rate
- 11.3%
- South Carolina: 14.4%
- Households under $25,000
- 14.3%
- South Carolina: 17.7%
- A $400 emergency equals
- 2.0 days of income
Payday and installment loan stores in Rock Hill
For comparison: storefront payday, installment and title lenders in Rock Hill with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 4859 Old York Rd #106 Rock Hill, SC 29732 | (803) 328-0163 | — | 4.4 |
| 572 John Ross Pkwy Ste 103 Rock Hill, SC 29730 | (803) 366-6176 | — | 3.7 |
| 1671 Cherry Rd #101 Rock Hill, SC 29732 | (803) 324-4468 | — | 5.0 |
| 205 Albright Rd Rock Hill, SC 29730 | (803) 980-4222 | — | 5.0 |
| 2012 Cherry Rd Ste 102 Rock Hill, SC 29732 | (803) 327-0070 | — | 4.9 |
| 2103 Cherry Rd Rock Hill, SC 29732 | (803) 980-0210 | — | 4.9 |
| 1930 Cherry Rd., Suite B Rock Hill, SC 29732 | (803) 329-9775 | Mon–Fri 9:00 AM – 5:30 PM Sat 9:00 AM – 12:00 PM Sun closed |
— |
| 2349 Cherry Rd #17 Rock Hill, SC 29732 | (803) 792-4821 | — | 5.0 |
| 2393 Cherry Rd Rock Hill, SC 29732 | (803) 619-6644 | — | 4.7 |
| Sunbelt Credit 1912 Mt Gallant Rd #101 Rock Hill, SC 29732 | (803) 328-1366 | — | 4.8 |
Pawn shops near Rock Hill
More about Rock Hill
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.