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Pawn Shops vs Payday Loans in Knoxville, TN
13 pawn shops in and around Knoxville — 3.1 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. Knoxville ranks #15 of 23 Tennessee cities with pawn shops by shops per resident.
- Pawn shops
- 13
- Pawn shops per 100k
- 3.1
- Tennessee: 3.7
- Big-chain shops
- 10
- Payday & loan stores
- 31
- Population
- 414,609
Pawn shops in Knoxville: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Cash America PawnChain | 2133 E Magnolia Ave Knoxville, TN 37917 | (865) 522-5320 | cashamerica.com |
| Cash America PawnChain | 2634 N Broadway St Knoxville, TN 37917 | (865) 546-7296 | firstcash.com |
| Cash America PawnChain | 2907 Tazewell Pike Knoxville, TN 37918 | (865) 686-0300 | atomic-pawn.com |
| Cash America PawnChain | 3917 Western Ave Knoxville, TN 37921 | (865) 522-7023 | find.cashamerica.us |
| Cash America PawnChain | 4014 Chapman Highway Knoxville, TN 37920 | — | — |
| Cash America PawnChain | 5405 Harriett Pl Knoxville, TN 37912 | (865) 687-4970 | cashamerica.com |
| Cash America PawnChain | 8420 Kingston Pike Knoxville, TN 37919 | (865) 690-7808 | firstcash.com |
| Cash America PawnChain | 8843 Kingston Pike Knoxville, TN 37923 | (865) 670-1445 | cashamerica.us |
| EZPAWNChain | 1016 Merchant Dr Knoxville, TN 37912 | (865) 689-1231 | ezpawn.com |
| EZPAWNChain | 3911 E Magnolia Ave Knoxville, TN 37914 | (865) 546-0366 | ezpawn.com |
| Fast Cash Plus | 5100 Clinton Hwy Knoxville, TN 37912 | (865) 281-0180 | maximusmoney.com |
| Harvey's Pistol & Pawn | 5305 Clinton Plaza Dr Knoxville, TN 37912 | (865) 851-6100 | harveysauctions.com |
| U.S. Money Shops | 4014 Chapman Hwy Knoxville, TN 37920 | (865) 410-8529 | jonesmanagement.com |
Pawn shops vs payday loan stores in Knoxville
Knoxville has 31 payday, installment and title loan stores but only 13 pawn shops.
Pawn shops
13
3.1 per 100k residents
Payday & loan stores
31
7.5 per 100k residents
10 store chains
Biggest loan store chains in Knoxville: Advance Financial (6), TitleMax (6), Speedy Cash (5), Mariner Finance (3), Advance America (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 Knoxville
- 2.5%
- Pawn cost, share of monthly household income in Knoxville
- 1.7%
- 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% |
Knoxville at a glance
- Median household income
- $71,857
- Tennessee: $71,256
- Poverty rate
- 14.4%
- Tennessee: 13.9%
- Households under $25,000
- 17.0%
- Tennessee: 17.1%
- A $400 emergency equals
- 2.0 days of income
Payday and installment loan stores in Knoxville
For comparison: storefront payday, installment and title lenders in Knoxville with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 10511 Kingston Pike Knoxville, TN 37922 | (865) 685-5251 | — | 4.6 |
| 2823 N Broadway Knoxville, TN 37917 | (865) 856-1583 | — | 4.3 |
| 4531 Chapman Hwy Knoxville, TN 37920 | (865) 856-1606 | — | 4.6 |
| 4861 N Broadway Knoxville, TN 37918 | (865) 730-4085 | — | 4.8 |
| 5527 Clinton Hwy Knoxville, TN 37912 | (865) 338-5964 | — | 4.4 |
| 8024 Kingston Pike Knoxville, TN 37919 | (865) 494-1197 | — | 4.4 |
| 2522 E Magnolia Ave Knoxville, TN 37914 | (865) 673-6466 | — | 4.9 |
| 3009 N Broadway Knoxville, TN 37917 | (865) 281-8673 | — | 5.0 |
| 3917 Chapman Hwy Knoxville, TN 37920 | (865) 573-2489 | — | 4.9 |
| 5300 Clinton Hwy Knoxville, TN 37912 | (865) 219-9014 | — | 5.0 |
| 6533 Maynardville Pike Knoxville, TN 37918 | (865) 687-6933 | — | 4.9 |
| 8041 Kingston Pike Knoxville, TN 37919 | (865) 212-0045 | — | 4.9 |
| 106 Knox Rd Knoxville, TN 37918 | (865) 687-9028 | — | 4.9 |
| 2201 N Broadway Knoxville, TN 37917 | (865) 622-5934 | — | 4.9 |
| 4403 Chapman Hwy Knoxville, TN 37920 | (865) 577-8656 | — | 4.9 |
| 5632 Clinton Hwy Knoxville, TN 37912 | (865) 686-5737 | — | 4.9 |
| 6720 Kingston Pike Knoxville, TN 37919 | (865) 588-0660 | — | 4.9 |
| 2435 Callahan Dr Knoxville, TN 37912 | (865) 512-2233 | — | 4.8 |
| 4848 Harvest Mill Way Knoxville, TN 37918 | (865) 688-4144 | — | 4.8 |
| 8078 Kingston Pike #114 Knoxville, TN 37919 | (865) 357-1100 | — | 4.9 |
| 4222 Asheville Hwy. Knoxville, TN 37914 | (865) 633-4924 | Mon–Fri 9:00 AM – 5:30 PM Sat–Sun closed |
— |
| 4419 Western Ave., Ste. 104 + 105 Knoxville, TN 37921 | (865) 544-4139 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 2:00 PM Sun closed |
— |
| 4000 Chapman Hwy Knoxville, TN 37920 | (865) 577-3113 | — | 4.8 |
| 6724 Maynardville Pike Knoxville, TN 37918 | (865) 922-3829 | — | 4.6 |
| 5551 Clinton Hwy Knoxville, TN 37912 | (865) 299-6880 | — | 4.0 |
| 7337 Chapman Hwy Knoxville, TN 37920 | (865) 327-2585 | — | 5.0 |
| 510 Merchant Dr Knoxville, TN 37912 | (865) 688-0011 | — | 4.0 |
| 8331 E Walker Springs Ln #200 Knoxville, TN 37923 | (865) 947-5655 | — | 4.3 |
| 2039 N Broadway Knoxville, TN 37917 | (865) 637-0357 | — | 4.8 |
| Sunbelt Credit 4409 Chapman Hwy STE Y Knoxville, TN 37920 | (865) 577-9560 | — | — |
| 101 Sherlake Ln #107 Knoxville, TN 37922 | (615) 865-7100 | — | 5.0 |
Pawn shops near Knoxville
More about Knoxville
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.