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Pawn Shops vs Payday Loans in Nashville, TN
19 pawn shops in and around Nashville — 4.0 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. Nashville ranks #9 of 23 Tennessee cities with pawn shops by shops per resident.
- Pawn shops
- 19
- Pawn shops per 100k
- 4.0
- Tennessee: 3.7
- Big-chain shops
- 10
- Payday & loan stores
- 41
- Population
- 475,253
Pawn shops in Nashville: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| A-Wise Pawn Loan & Jewelry | 6305 Charlotte Pike Nashville, TN 37209 | (615) 353-9803 | wiseloan.biz |
| Berry's Pawn | 1001 Murfreesboro Pike Nashville, TN 37217 | (615) 361-3396 | berryspawnandloan.com |
| Cash America PawnChain | 2317 Murfreesboro Pike Nashville, TN 37217 | (615) 361-0095 | firstcash.com |
| Cash America PawnChain | 2603 Franklin Rd Nashville, TN 37204 | (615) 297-9989 | cashamerica.com |
| Cash America PawnChain | 2612 Nolensville Rd Nashville, TN 37211 | (615) 781-4892 | find.cashamerica.us |
| Cash America PawnChain | 3101 Gallatin Pike Nashville, TN 37216 | (615) 228-7296 | firstcash.com |
| Cash America PawnChain | 3311 Gallatin Pike Nashville, TN 37216 | (615) 227-3326 | firstcash.com |
| Cash America PawnChain | 4537 Nolensville Pike Nashville, TN 37211 | (615) 833-2580 | firstcash.com |
| Cash America PawnChain | 5518 Charlotte Pike Nashville, TN 37209 | (615) 352-0691 | firstcash.com |
| Cash America PawnChain | 6118 Charlotte Pike Nashville, TN 37209 | (615) 353-1170 | firstcash.com |
| Cash America PawnChain | 801 Gallatin Ave Nashville, TN 37206 | (615) 226-1871 | cashamerica.com |
| Cash America PawnChain | 848 Dickerson Pike Nashville, TN 37207 | (615) 226-8816 | firstcash.com |
| Community Loans Of America | 3215 Gallatin Pike Nashville, TN 37216 | (615) 228-1460 | americantuxedo.com |
| Diamond Banc | 3805 Green Hills Village Dr Ste A Nashville, TN 37215 | (615) 695-7675 | diamondbanc.com |
| Easy Pawn | 2609 Murfreesboro Pike Nashville, TN 37217 | (615) 366-4285 | ezpawn.com |
| Easy Pawn | 2700 Nolensville Pk Nashville, TN 37211 | (615) 251-7071 | ezpawn.com |
| Easy Pawn | 2915 Dickerson Pike Nashville, TN 37207 | (615) 227-2854 | ezpawn.com |
| Music City Pawn 3 | 2638 Nolensville Pike Nashville, TN 37211 | (615) 567-6402 | musiccitypawn.com |
| Paragon Mills Loan Co | 3922 Nolensville Pike Nashville, TN 37211 | (615) 831-5500 | paragon-mills.com |
Pawn shops vs payday loan stores in Nashville
Nashville has 41 payday, installment and title loan stores but only 19 pawn shops.
Pawn shops
19
4.0 per 100k residents
Payday & loan stores
41
8.6 per 100k residents
8 store chains
Biggest loan store chains in Nashville: Advance Financial (14), TitleMax (10), Speedy Cash (7), ACE Cash Express (4), OneMain Financial (3).
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 Nashville
- 2.2%
- Pawn cost, share of monthly household income in Nashville
- 1.5%
- A $400 emergency equals
- 1.8 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% |
Nashville at a glance
- Median household income
- $82,142
- Tennessee: $71,256
- Poverty rate
- 14.2%
- Tennessee: 13.9%
- Households under $25,000
- 14.7%
- Tennessee: 17.1%
- A $400 emergency equals
- 1.8 days of income
Payday and installment loan stores in Nashville
For comparison: storefront payday, installment and title lenders in Nashville with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 100 Oceanside Dr Nashville, TN 37204 | (615) 341-5900 | — | 4.4 |
| 1133 Vultee Blvd Nashville, TN 37217 | (615) 375-3641 | — | 4.6 |
| 2403 Nolensville Pk #101 Nashville, TN 37211 | (615) 358-5745 | — | 4.9 |
| 2500 Murfreesboro Pike #102 Nashville, TN 37217 | (615) 510-3250 | — | 4.4 |
| 2845 Lebanon Pike Nashville, TN 37214 | (615) 866-5175 | — | 4.7 |
| 3041 Dickerson Pike E Nashville, TN 37207 | (615) 823-3290 | — | 4.2 |
| 3615 Nolensville Pk Suite B20 Nashville, TN 37211 | (615) 903-9255 | — | 4.9 |
| 3713 Clarksville Pike Nashville, TN 37218 | (615) 538-1028 | — | 4.9 |
| 401 Harding Pl Nashville, TN 37211 | (615) 510-3770 | — | 4.7 |
| 404 Morrow Rd Nashville, TN 37209 | (615) 358-5544 | — | 4.8 |
| 6410 Charlotte Pike #103 Nashville, TN 37209 | (615) 510-3418 | — | 4.8 |
| 7120 Hwy 70 S Nashville, TN 37221 | (615) 486-3706 | — | 4.8 |
| 800 Jefferson St Nashville, TN 37208 | (615) 486-3722 | — | 4.7 |
| 930 Gallatin Ave Nashville, TN 37206 | (615) 603-3777 | — | 4.5 |
| 1050 Murfreesboro Pike Nashville, TN 37217 | (615) 366-4069 | — | 4.9 |
| 2562 Murfreesboro Pike Nashville, TN 37217 | (615) 360-7420 | — | 5.0 |
| 2604 Lebanon Pike Nashville, TN 37214 | (615) 885-1062 | — | 4.9 |
| 2939 Dickerson Pike Nashville, TN 37207 | (615) 228-2218 | — | 5.0 |
| 3002 Nolensville Pk Nashville, TN 37211 | (615) 832-4569 | — | 5.0 |
| 3731 Clarksville Pike Nashville, TN 37218 | (615) 733-1460 | — | 5.0 |
| 4022 Nolensville Rd Nashville, TN 37211 | (615) 732-0291 | — | 5.0 |
| 4807 Nolensville Rd Nashville, TN 37211 | (615) 732-0261 | — | 5.0 |
| 5528 Charlotte Pike Nashville, TN 37209 | (615) 352-9803 | — | 5.0 |
| 908 Gallatin Ave Nashville, TN 37206 | (615) 226-3364 | — | 5.0 |
| 2401 Nolensville Pk Nashville, TN 37211 | (615) 748-3639 | — | 4.9 |
| 2843 Lebanon Pike Ste B Nashville, TN 37214 | (615) 823-7866 | — | 5.0 |
| 3954 Clarksville Hwy Nashville, TN 37218 | (615) 876-8393 | — | 4.8 |
| 4211 Nolensville Pk Nashville, TN 37211 | (615) 781-2615 | — | 4.8 |
| 5002 Harding Pl Nashville, TN 37211 | (615) 333-2488 | — | 4.9 |
| 5701 Charlotte Pike Nashville, TN 37209 | (615) 354-8121 | — | 4.8 |
| 718 Gallatin Ave Nashville, TN 37206 | (615) 913-4166 | — | 4.9 |
| 1801 Jefferson St #105 Nashville, TN 37208 | (615) 329-0347 | — | 4.9 |
| 3606 Gallatin Pike Nashville, TN 37216 | (615) 650-0015 | — | 4.9 |
| 367 Harding Pl C Nashville, TN 37211 | (615) 331-5439 | — | 4.9 |
| 5513 Charlotte Pike Nashville, TN 37209 | (615) 356-4990 | — | 4.9 |
| 313A Harding Pl Nashville, TN 37211 | (615) 331-8840 | — | 4.0 |
| 63 E Thompson Ln Ste 114 Nashville, TN 37211 | (615) 834-4980 | — | 4.2 |
| 7078 Charlotte Pike Ste 13 Nashville, TN 37209 | (615) 352-5181 | — | 4.4 |
| 4653 Nolensville Pike Nashville, TN 37211 | (615) 834-6275 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 2:00 PM Sun closed |
— |
| 326 Harding Pl #102 Nashville, TN 37211 | (615) 781-1050 | — | 4.8 |
| 4907 Nolensville Rd Nashville, TN 37211 | (615) 277-9090 | — | 4.7 |
Pawn shops near Nashville
More about Nashville
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.