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Pawn Shops vs Payday Loans in Spartanburg, SC
7 pawn shops in and around Spartanburg — 5.9 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. Spartanburg ranks #5 of 24 South Carolina cities with pawn shops by shops per resident.
- Pawn shops
- 7
- Pawn shops per 100k
- 5.9
- South Carolina: 3.2
- Big-chain shops
- 2
- Payday & loan stores
- 11
- Population
- 118,501
Pawn shops in Spartanburg: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| All Stars Gold & Pawn | 1529 John B White Sr Blvd Spartanburg, SC 29301 | (864) 574-9006 | allstarspawn.com |
| EZMONEY Pawn | 163 John B White Sr Blvd Spartanburg, SC 29306 | (864) 585-0496 | ezmoneypawn.com |
| First Cash PawnChain | 1407 W O. Ezell Blvd Spartanburg, SC 29301 | (864) 587-1780 | ww2.firstcash.com |
| First Cash PawnChain | 1631 Asheville Hwy Spartanburg, SC 29303 | (864) 583-3012 | ww2.firstcash.com |
| Gold & Silver Pawn | 1401 Asheville Hwy Spartanburg, SC 29303 | (864) 585-4883 | goldandsilverpawnspartanburg.com |
| Smart Pawn | 2100 Chesnee Hwy Spartanburg, SC 29303 | (864) 582-0899 | cashamerica.us |
| Spartanburg Gun And Pawn | 2225 E Main St Ste I Spartanburg, SC 29307 | (864) 699-9010 | spartanburggunandpawn.com |
Pawn shops vs payday loan stores in Spartanburg
Spartanburg has 11 payday, installment and title loan stores but only 7 pawn shops.
Pawn shops
7
5.9 per 100k residents
Payday & loan stores
11
9.3 per 100k residents
8 store chains
Biggest loan store chains in Spartanburg: TitleMax (3), Security Finance (2), 1st Franklin Financial (1), Advance America (1), Check 'n Go (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 Spartanburg
- 3.2%
- Pawn cost, share of monthly household income in Spartanburg
- 2.2%
- A $400 emergency equals
- 2.6 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% |
Spartanburg at a glance
- Median household income
- $55,526
- South Carolina: $69,406
- Poverty rate
- 20.3%
- South Carolina: 14.4%
- Households under $25,000
- 22.6%
- South Carolina: 17.7%
- A $400 emergency equals
- 2.6 days of income
Payday and installment loan stores in Spartanburg
For comparison: storefront payday, installment and title lenders in Spartanburg with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1394 W O. Ezell Blvd Spartanburg, SC 29301 | (864) 504-3578 | — | 5.0 |
| 1777 Asheville Hwy Spartanburg, SC 29303 | (864) 573-6701 | — | 5.0 |
| 1940 E Main St Spartanburg, SC 29307 | (864) 582-1260 | — | 5.0 |
| Sunbelt Credit 1450 W O. Ezell Blvd Ste 230 Spartanburg, SC 29301 | (864) 582-5421 | — | 4.9 |
| 2225 E Main St Ste E Spartanburg, SC 29307 | (864) 582-5486 | — | 4.1 |
| 1735 John B White Sr Blvd Ste 11 Spartanburg, SC 29301 | (864) 587-1021 | — | 4.8 |
| 975 Beaumont Ave. Spartanburg, SC 29303 | (864) 542-0982 | Mon–Fri 9:00 AM – 5:30 PM Sat 9:00 AM – 12:00 PM Sun closed |
— |
| 227 E Blackstock Rd Ste 300 Spartanburg, SC 29301 | (864) 576-3224 | — | 4.9 |
| 1703 John B White Sr Blvd Ste E Spartanburg, SC 29301 | (864) 587-7342 | — | 4.1 |
| 7750 Warren H Abernathy Hwy Ste D Spartanburg, SC 29301 | (864) 595-5934 | — | 4.8 |
| 1450 W O. Ezell Blvd Ste 240 Spartanburg, SC 29301 | (864) 576-5552 | — | 3.9 |
Pawn shops near Spartanburg
More about Spartanburg
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.