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 Abilene, TX
7 pawn shops in and around Abilene — 5.2 per 100,000 residents, compared with 4.3 across Texas. Call ahead to ask what they're buying and lending on today: inventory needs change weekly. Abilene ranks #33 of 94 Texas cities with pawn shops by shops per resident.
- Pawn shops
- 7
- Pawn shops per 100k
- 5.2
- Texas: 4.3
- Big-chain shops
- 3
- Payday & loan stores
- 16
- Population
- 135,187
Pawn shops in Abilene: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Cash America PawnChain | 143 Sayles Blvd Abilene, TX 79605 | (325) 672-1571 | firstcash.com |
| EZPAWNChain | 1381 Sayles Blvd Abilene, TX 79605 | (325) 677-7296 | ezpawn.com |
| EZPAWNChain | 3202 N 1st St Abilene, TX 79603 | (325) 677-7814 | ezpawn.com |
| Wild Bill's Pawn | 1441 Butternut St Abilene, TX 79602 | (325) 675-0322 | firstcash.com |
| Wild Bill's Pawn | 1690 Ambler Ave Abilene, TX 79601 | (325) 672-9515 | wildbillspawnshops.com |
| Wild Bill's Pawn Shop #3 | 1919 S 1st St Abilene, TX 79602 | (325) 672-5351 | wildbillspawnshops.com |
| Wild Bill's Pawn Shop #4 | 3117 S Danville Dr Abilene, TX 79605 | (325) 692-7296 | wildbillspawnshops.com |
Pawn shops vs payday loan stores in Abilene
Abilene has 16 payday, installment and title loan stores but only 7 pawn shops.
Pawn shops
7
5.2 per 100k residents
Payday & loan stores
16
11.8 per 100k residents
10 store chains
Biggest loan store chains in Abilene: ACE Cash Express (3), Cash Store (2), Security Finance (2), Texas Car Title and Payday Loan Services (2), TitleMax (2).
Borrowing $500 for one month: payday vs pawn vs credit union
| Option | How it works | Cost for one month |
|---|---|---|
| Payday loan (~662%+ 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 Abilene
- 2.7%
- Pawn cost, share of monthly household income in Abilene
- 1.8%
- A $400 emergency equals
- 2.2 days of income
Payday: a typical fee of $75 on a $500 loan for 2 weeks, paid twice for a one-month loan (Texas payday rules are not set in dollars or payday loans are not allowed). Pawn: an example rate of 20% a month; pawn fees and interest are set by Texas 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.
Pawn loan vs payday loan: the key differences
| Pawn loan | Payday loan in TX | |
|---|---|---|
| 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 Texas | Pawnbrokers are licensed and regulated by Texas; fees, terms and holding periods are set by state law | Allowed, up to No limit (CSO Model); typical APR ~662%+ |
Abilene at a glance
- Median household income
- $67,627
- Texas: $81,963
- Poverty rate
- 14.6%
- Texas: 13.9%
- Households under $25,000
- 17.7%
- Texas: 15.0%
- A $400 emergency equals
- 2.2 days of income
Payday and installment loan stores in Abilene
For comparison: storefront payday, installment and title lenders in Abilene with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 3517 N 1st St Abilene, TX 79603 | (325) 672-2274 | — | 4.9 |
| 4101 Buffalo Gap Rd Ste A Abilene, TX 79605 | (325) 698-2274 | — | 4.9 |
| 620 Ambler Ave Abilene, TX 79601 | (325) 670-9777 | — | 4.8 |
| 3017 S 14th St Abilene, TX 79605 | (325) 793-9883 | — | 4.9 |
| 4245 Southwest Dr Abilene, TX 79606 | (325) 695-1900 | — | 4.8 |
| 150 S Willis St Abilene, TX 79605 | (325) 670-0172 | — | 4.6 |
| 2930 N 1st St Abilene, TX 79603 | (325) 672-4464 | — | 4.8 |
|
Texas Car Title and Payday Loan Services
2 stores in Abilene
texascartitleandpaydayloanservicesinc.com
|
|||
| 1041 Butternut St Abilene, TX 79602 | (325) 673-4100 | — | 4.9 |
| 3989 S 1st St Abilene, TX 79605 | (325) 673-9700 | — | 4.9 |
| 2741 S 14th St Abilene, TX 79605 | (325) 201-9222 | — | 5.0 |
| 3520 N 1st St Abilene, TX 79603 | (325) 999-8735 | — | 5.0 |
| 3285 S. 14th St. Abilene, TX 79605 | (325) 793-7189 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 3226 S Clack St Ste J Abilene, TX 79606 | (325) 244-1034 | — | 4.9 |
| 1 Village Dr Ste 351 Abilene, TX 79606 | (325) 673-8325 | — | 4.7 |
| 3525 N 1st St Abilene, TX 79603 | (325) 676-1071 | — | 4.9 |
| Western Finance 4143 N 1st St Abilene, TX 79603 | (325) 676-1091 | — | 4.8 |
Pawn shops near Abilene
More about Abilene
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.