Code of Alabama
Ala. Code § 5-19A-7 (2026)
Pawnshop Charge; Amounts in Excess of Pawnshop Charge.
✓ official Alabama Legislature (ALISON) text, current July 2026
(a) A pawnbroker may contract for and receive a pawnshop charge in lieu of interest or other charges for all services, expenses, costs, and losses of every nature but not to exceed 25 percent of the principal amount, per month, advanced in the pawn transaction.
(b) Any interest, charge, or fees contracted for or received, directly or indirectly, in excess of the amount permitted under subsection (a) shall be uncollectible and the pawn transaction shall be void. The pawnshop charge allowed under subsection (a) shall be deemed earned, due, and owing as of the date of the pawn transaction and a like sum shall be deemed earned, due, and owing on the same day of the succeeding month.
(Acts 1992, No. 92-597, p. 1227, §7.)
Notes of Decisions
Cited in 9
cases, 1997–2020 · leading case: Express Enter., Inc. v. Waites, 979 So. 2d 754 (Ala. 2007).
Express Enter., Inc. v. Waites, 979 So. 2d 754 (Ala. 2007). “Waites filed a motion for a summary judgment on the issue of the constitutionality of § 5-19A-7(a). In his motion, Waites argued that pawnbrokers are “favored over all other .”
In re Jones, 544 B.R. 692 (Bankr. M.D. Ala. 2016). “CODE § 5-19A-7(a). “A pledgor shall have no obligation to redeem pledged goods or make any payments on a pawn transaction.”
Mattheiss v. Title Loan Express (In Re Mattheiss), 214 B.R. 20 (Bankr. N.D. Ala. 1997). “§ 5-19A-7(a).” Id. at 578, n. 4. Downey, 624 So.”
In Re Gunn, 387 B.R. 856 (M.D. Ala. 2008). “" Ala.Code § 5-19A-7(b). This provision authorizes a subsequent pawn charge for the succeeding month, indicating an extension of the maturity date.”
Thompson v. TitleMax of Alabama, Inc. (M.D. Ala. 2020). “2008) (discussing Section 5-19A-7 of the APA). Plainly read, this provision “thus evidences that the legislature did not intend for the creation of additional pawn tickets upon the extension of the original one.”
Daniel v. Titlemax of Alabama, Inc. (M.D. Ala. 2020). “Though Daniel makes much of § 5-19A-7 of the APA, she mistakes its import.”
Donna R Thompson (Bankr. M.D. Ala. 2019). “Debtors argue TitleMax continued to collect fees and charges after the alleged forfeitures in excess of the amount permitted, which rendered the pawn transactions void under § 5-19A-7 of the Pawnshop Act.3 Alternatively, Debtors contend that the collection of fees and charges 1…”
Kisha Yvonne Daniel (Bankr. M.D. Ala. 2019). “Debtors argue TitleMax continued to collect fees and charges after the alleged forfeitures in excess of the amount permitted, which rendered the pawn transactions void under § 5-19A-7 of the Pawnshop Act.3 Alternatively, Debtors contend that the collection of fees and charges 1…”
Gunn v. Titlemax of Alabama, Inc., 387 B.R. 856 (M.D. Ala. 2008). “” Ala.Code § 5-19A-7(b). This provision authorizes a subsequent pawn charge for the succeeding month, indicating an extension of the maturity date.”
— Ala. Code § 5-19A-7(a) — 5 cases
Express Enter., Inc. v. Waites, 979 So. 2d 754 (Ala. 2007). “Waites filed a motion for a summary judgment on the issue of the constitutionality of § 5-19A-7(a). In his motion, Waites argued that pawnbrokers are “favored over all other .”
In re Jones, 544 B.R. 692 (Bankr. M.D. Ala. 2016). “CODE § 5-19A-7(a). “A pledgor shall have no obligation to redeem pledged goods or make any payments on a pawn transaction.”
Mattheiss v. Title Loan Express (In Re Mattheiss), 214 B.R. 20 (Bankr. N.D. Ala. 1997). “§ 5-19A-7(a).” Id. at 578, n. 4. Downey, 624 So.”
Daniel v. Titlemax of Alabama, Inc. (M.D. Ala. 2020). “Though Daniel makes much of § 5-19A-7 of the APA, she mistakes its import.”
Thompson v. TitleMax of Alabama, Inc. (M.D. Ala. 2020). “2008) (discussing Section 5-19A-7 of the APA). Plainly read, this provision “thus evidences that the legislature did not intend for the creation of additional pawn tickets upon the extension of the original one.”
— Ala. Code § 5-19A-7(b) — 6 cases
In Re Gunn, 387 B.R. 856 (M.D. Ala. 2008). “" Ala.Code § 5-19A-7(b). This provision authorizes a subsequent pawn charge for the succeeding month, indicating an extension of the maturity date.”
Thompson v. TitleMax of Alabama, Inc. (M.D. Ala. 2020). “2008) (discussing Section 5-19A-7 of the APA). Plainly read, this provision “thus evidences that the legislature did not intend for the creation of additional pawn tickets upon the extension of the original one.”
Daniel v. Titlemax of Alabama, Inc. (M.D. Ala. 2020). “Though Daniel makes much of § 5-19A-7 of the APA, she mistakes its import.”
Gunn v. Titlemax of Alabama, Inc., 387 B.R. 856 (M.D. Ala. 2008). “” Ala.Code § 5-19A-7(b). This provision authorizes a subsequent pawn charge for the succeeding month, indicating an extension of the maturity date.”
Donna R Thompson (Bankr. M.D. Ala. 2019). “Debtors argue TitleMax continued to collect fees and charges after the alleged forfeitures in excess of the amount permitted, which rendered the pawn transactions void under § 5-19A-7 of the Pawnshop Act.3 Alternatively, Debtors contend that the collection of fees and charges 1…”
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