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 Johnson City, TN
4 pawn shops in and around Johnson City — 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. Johnson City ranks #10 of 23 Tennessee cities with pawn shops by shops per resident.
- Pawn shops
- 4
- Pawn shops per 100k
- 3.9
- Tennessee: 3.7
- Big-chain shops
- 0
- Payday & loan stores
- 11
- Population
- 101,575
Pawn shops in Johnson City: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Albert's Pawn | 104 W Market St Johnson City, TN 37604 | (423) 926-9461 | albertspawn.com |
| Albert's Pawn | 2710 N Roan St #300 Johnson City, TN 37601 | (423) 928-2332 | albertspawn.com |
| Tri-City Gold Buyers | 727 Gray Station Rd Johnson City, TN 37615 | (423) 477-0018 | tricitygoldbuyers.com |
| Volunteer Pawn | 718 W Walnut St Johnson City, TN 37604 | (423) 631-0757 | volunteerpawn.com |
Pawn shops vs payday loan stores in Johnson City
Johnson City has 11 payday, installment and title loan stores but only 4 pawn shops.
Pawn shops
4
3.9 per 100k residents
Payday & loan stores
11
10.8 per 100k residents
9 store chains
Biggest loan store chains in Johnson City: Advance Financial (2), TitleMax (2), 1st Franklin Financial (1), Advance America (1), Lendmark Financial Services (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 Johnson City
- 3.3%
- Pawn cost, share of monthly household income in Johnson City
- 2.2%
- A $400 emergency equals
- 2.6 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% |
Johnson City at a glance
- Median household income
- $55,298
- Tennessee: $71,256
- Poverty rate
- 19.0%
- Tennessee: 13.9%
- Households under $25,000
- 24.3%
- Tennessee: 17.1%
- A $400 emergency equals
- 2.6 days of income
Payday and installment loan stores in Johnson City
For comparison: storefront payday, installment and title lenders in Johnson City with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 2920 N Roan St Johnson City, TN 37601 | (423) 438-1342 | — | 4.4 |
| 929 W Market St Johnson City, TN 37604 | (423) 438-1676 | — | 4.4 |
| 1918 S Roan St Johnson City, TN 37601 | (423) 928-3456 | — | 4.9 |
| 2617 N Roan St Johnson City, TN 37601 | (423) 929-2345 | — | 4.9 |
| 3120 E Oakland Ave Johnson City, TN 37601 | (423) 979-0509 | — | 4.9 |
| 509 N. State of Franklin Rd., Ste. 1 Johnson City, TN 37604 | (423) 926-7413 | Mon–Fri 9:00 AM – 5:30 PM Sat–Sun closed |
— |
| 3135 Peoples St Unit 302 Johnson City, TN 37604 | (423) 430-8860 | — | 4.3 |
| 1065 Hamilton Pl Johnson City, TN 37604 | (423) 328-7166 | — | 4.7 |
| 600 N State of Franklin Rd Johnson City, TN 37604 | (423) 928-3141 | — | 3.8 |
| 1012 W Market St Ste 3 Johnson City, TN 37604 | (423) 929-8113 | — | 4.9 |
| 2221 N Roan St Johnson City, TN 37601 | (423) 491-7100 | — | 2.9 |
Pawn shops near Johnson City
More about Johnson City
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.