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Pawn Shops vs Payday Loans in Clarksville, TN
8 pawn shops in and around Clarksville — 3.9 per 100,000 residents, compared with 3.7 across Tennessee. Call ahead to ask what they're buying and lending on today: inventory needs change weekly. Clarksville ranks #11 of 23 Tennessee cities with pawn shops by shops per resident.
- Pawn shops
- 8
- Pawn shops per 100k
- 3.9
- Tennessee: 3.7
- Big-chain shops
- 4
- Payday & loan stores
- 19
- Population
- 204,552
Pawn shops in Clarksville: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Cash America PawnChain | 1007 S Riverside Dr Clarksville, TN 37040 | (931) 647-7535 | firstcash.com |
| Cash America PawnChain | 1627 Fort Campbell Blvd Clarksville, TN 37042 | (931) 645-4635 | t.co |
| Cash America PawnChain | 3447 Fort Campbell Blvd Clarksville, TN 37042 | (931) 431-5559 | pawnandbargains.com |
| Cash America PawnChain | 659 Providence Blvd Ste A Clarksville, TN 37042 | (931) 648-9876 | firstcash.com |
| Cowboy Dan's Trading Post and Pawn | 416 Dover Rd Clarksville, TN 37042 | (931) 896-2084 | — |
| Easy Pawn | 1144 Fort Campbell Blvd Clarksville, TN 37042 | (931) 647-3323 | ezpawn.com |
| Gold Exchange And Loan Company | 1786 Madison St Clarksville, TN 37043 | (931) 551-8600 | clarksvillegoldexchange.com |
| Top Dollar Pawn Shop | 822 Providence Blvd Clarksville, TN 37042 | (931) 551-3493 | topdollardeals.com |
Pawn shops vs payday loan stores in Clarksville
Clarksville has 19 payday, installment and title loan stores but only 8 pawn shops.
Pawn shops
8
3.9 per 100k residents
Payday & loan stores
19
9.3 per 100k residents
10 store chains
Biggest loan store chains in Clarksville: Advance Financial (4), TitleMax (3), Mariner Finance (2), OneMain Financial (2), Security Finance (2).
Borrowing $500 for one month: payday vs pawn vs credit union
| Option | How it works | Cost for one month |
|---|---|---|
| Payday loan (~460% 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 Clarksville
- 2.5%
- Pawn cost, share of monthly household income in Clarksville
- 1.6%
- A $400 emergency equals
- 2.0 days of income
Payday: the TN 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 Tennessee 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 TN | |
|---|---|---|
| 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 Tennessee | Pawnbrokers are licensed and regulated by Tennessee; fees, terms and holding periods are set by state law | Allowed, up to $500; typical APR ~460% |
Clarksville at a glance
- Median household income
- $73,218
- Tennessee: $71,256
- Poverty rate
- 11.8%
- Tennessee: 13.9%
- Households under $25,000
- 12.9%
- Tennessee: 17.1%
- A $400 emergency equals
- 2.0 days of income
Payday and installment loan stores in Clarksville
For comparison: storefront payday, installment and title lenders in Clarksville with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 2068 Wilma Rudolph Blvd Unit A Clarksville, TN 37040 | (931) 347-4038 | — | 4.8 |
| 2721 Fort Campbell Blvd Clarksville, TN 37042 | (931) 450-7077 | — | 4.9 |
| 501 Heritage Pointe Dr Clarksville, TN 37042 | (931) 450-7087 | — | 4.7 |
| 601-A S Riverside Dr Clarksville, TN 37040 | (931) 287-2716 | — | 4.9 |
| 1687 Fort Campbell Blvd Clarksville, TN 37042 | (931) 906-2933 | — | 4.9 |
| 1986 Fort Campbell Blvd Clarksville, TN 37042 | (931) 245-3168 | — | 5.0 |
| 2168 Wilma Rudolph Blvd Clarksville, TN 37040 | (931) 647-7104 | — | 4.9 |
| 1820 Madison St Ste C Clarksville, TN 37043 | (931) 503-1444 | — | 4.9 |
| 2870 Wilma Rudolph Blvd Clarksville, TN 37040 | (931) 472-1400 | — | 4.7 |
| 2088 Lowes Dr E Clarksville, TN 37040 | (931) 572-9777 | — | 4.1 |
| 2856 Wilma Rudolph Blvd Clarksville, TN 37040 | (931) 552-7991 | — | 4.0 |
| 1933 Madison St Clarksville, TN 37043 | (931) 648-0400 | — | 4.9 |
| Sunbelt Credit 401 Tiny Town Rd D Clarksville, TN 37042 | (931) 431-6200 | — | 5.0 |
| 1655 Fort Campbell Blvd Clarksville, TN 37042 | (931) 920-0396 | — | 4.9 |
| 602 S Riverside Dr Ste a Clarksville, TN 37040 | (931) 542-4811 | — | 4.8 |
| 1825 Madison St Ste E Clarksville, TN 37043 | (931) 542-9006 | — | 4.9 |
| 1637 Ft. Campbell Blvd. Clarksville, TN 37042 | (931) 542-5661 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 10:00 AM – 2:00 PM Sun closed |
— |
| 1960 Madison St E Clarksville, TN 37043 | (931) 645-5550 | — | 5.0 |
| 2088-F Lowes Dr Clarksville, TN 37040 | (931) 647-8272 | — | 4.4 |
Pawn shops near Clarksville
More about Clarksville
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.