Columbia pawn shops are active along Two Notch Road, Augusta Road, and the Garners Ferry corridor, serving a city shaped by Fort Jackson and the University of South Carolina. Jewelry and tools lead the market — compare ratings here.
A downtown Columbia staple since 1941 and multi-generational family-owned, Bonded Loan Office is South Carolina's oldest active pawnbroker with two on-site graduate gemologists and a stunning selection of fine jewelry and high-end guitars.
Quick Cash Gold & Pawn (Northeast) in Columbia, South Carolina.
Decker's Jewelry & Pawn in Columbia, South Carolina.
Best Deal Pawn & Gun in Columbia, South Carolina.
Palmetto Gold & Pawn in Columbia, South Carolina.
Elite Pawn & Gun LLC in Columbia, South Carolina.
Pooled US averages for how much local pawn shops typically lend by category. Your actual offer depends on condition, brand, documentation, and current demand.
Under South Carolina law, the statutory maximum finance charge is 20% per month and the minimum redemption period is 30 days. Your offer on any item is typically 20–35% of resale for a pawn loan, or 30–50% of resale for an outright sale. Shops in Columbia quote offers based on their own resale market — always get two or three offers before accepting.
What every borrower should know before signing a pawn ticket in SC.
Rates shown are statutory caps — actual offers and fees vary by shop. Confirm the current rules with the regulator and always read the pawn ticket before signing. Full South Carolina state page →
PawnGuru lists 8 pawn shops inside Columbia, SC, plus more in surrounding cities. Use the map or phone link on any shop page to route to the closest location. Always call ahead — posted hours change, especially on holidays.
Most shops in Columbia lend 20–35% of an item's realistic resale value for a pawn loan, and 30–50% for an outright sale. Under South Carolina law, the maximum finance charge is 20% per month and the minimum redemption period is 30 days.
Bring (1) a valid government-issued photo ID (required by South Carolina law and federal anti-theft rules), (2) the item in working, presentable condition, and (3) any proof of ownership — original receipts, titles, or certificates of authenticity. Most shops also require you to be 18 or older.
In Columbia and across South Carolina, the most commonly pawned items are gold jewelry, diamond rings, luxury watches, smartphones and laptops, power tools (DeWalt/Milwaukee), musical instruments, firearms (FFL shops only), designer handbags, and coins or bullion.
Yes. You have at least 30 days under South Carolina law to redeem by paying the loan principal plus accrued interest and fees. If you don't, the shop keeps and resells the item — the loan is non-recourse, so it doesn't affect your credit.
SC Department of Consumer Affairs. Rules vary by state — always verify the current statutory cap, fees, and redemption period directly with the regulator or the individual shop.