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 Crossville, TN
7 pawn shops in and around Crossville — 12.2 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. Crossville ranks #1 of 23 Tennessee cities with pawn shops by shops per resident.
- Pawn shops
- 7
- Pawn shops per 100k
- 12.2
- Tennessee: 3.7
- Big-chain shops
- 0
- Payday & loan stores
- 7
- Population
- 57,301
Pawn shops in Crossville: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Cash N Go Pawn Shop | 675 West Ave Crossville, TN 38555 | (931) 456-2274 | — |
| Crossville Gun & Pawn | 245 Elmore Rd Crossville, TN 38555 | (931) 484-6928 | — |
| Crossville Marine Inc | 2483 Us-127 Crossville, TN 38572 | (931) 484-8303 | — |
| Dave's Pawn Shop | 1576 N Main St Crossville, TN 38555 | (931) 484-8947 | — |
| Ol' Dave's Pawn and Gun | 26 W Adams St Crossville, TN 38555 | (931) 337-0841 | oldavespawnandgun.com |
| Tabor's Pawn Shop | 1155 West Ave Crossville, TN 38555 | (931) 456-8767 | taborspawnshop.com |
| The Gun Shop Crossville & Pawn Shop | 1576 N Main St Crossville, TN 38555 | (931) 337-0960 | thegunshop.online |
Pawn shops vs payday loan stores in Crossville
Crossville has 7 pawn shops and 7 payday, installment and title loan stores.
Pawn shops
7
12.2 per 100k residents
Payday & loan stores
7
12.2 per 100k residents
7 store chains
Biggest loan store chains in Crossville: 1st Franklin Financial (1), Advance Financial (1), Check Into Cash (1), Mariner Finance (1), OneMain Financial (1).
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 Crossville
- 3.1%
- Pawn cost, share of monthly household income in Crossville
- 2.0%
- A $400 emergency equals
- 2.5 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% |
Crossville at a glance
- Median household income
- $58,684
- Tennessee: $71,256
- Poverty rate
- 13.5%
- Tennessee: 13.9%
- Households under $25,000
- 17.4%
- Tennessee: 17.1%
- A $400 emergency equals
- 2.5 days of income
Payday and installment loan stores in Crossville
For comparison: storefront payday, installment and title lenders in Crossville with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 189 Highland Square Crossville, TN 38555 | (931) 787-1280 | — | 5.0 |
| 1561 N Main St Crossville, TN 38555 | (423) 484-0640 | — | 4.7 |
| 51 Genesis Square Crossville, TN 38555 | (931) 456-5761 | — | 5.0 |
| 1230 West Ave #107 Crossville, TN 38555 | (931) 787-1870 | — | 4.9 |
| 1784 N Main St #108 Crossville, TN 38555 | (931) 456-6469 | — | 4.4 |
| 1784 N Main St #103 Crossville, TN 38555 | (931) 484-6115 | — | 5.0 |
| 1341 N Main St Crossville, TN 38555 | (931) 488-0460 | — | 5.0 |
Pawn shops near Crossville
More about Crossville
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.