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Pawn Shops vs Payday Loans in Amarillo, TX
11 pawn shops in and around Amarillo — 4.7 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. Amarillo ranks #39 of 94 Texas cities with pawn shops by shops per resident.
- Pawn shops
- 11
- Pawn shops per 100k
- 4.7
- Texas: 4.3
- Big-chain shops
- 6
- Payday & loan stores
- 12
- Population
- 236,165
Pawn shops in Amarillo: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Cash America PawnChain | 3610 I-40 E Amarillo, TX 79103 | (806) 373-7728 | cashamerica.com |
| Cash America PawnChain | 815 S Georgia St Amarillo, TX 79106 | (806) 373-8691 | firstcash.com |
| City Pawn & Guns | 4400 S Washington St #200 Amarillo, TX 79110 | (806) 354-2768 | — |
| Damron's Jewelry Guns And Pawn | 2600 Paramount Blvd Ste C1 Amarillo, TX 79109 | (806) 322-7296 | damronspawn.com |
| Damron's Jewelry Guns and Pawn | 5901 Bell St C 1 Amarillo, TX 79109 | (806) 803-9199 | damronsonline.com |
| Erwin Pawn Inc | 1506 SE 10th Ave Amarillo, TX 79102 | (806) 376-4394 | erwinpawn.com |
| EZPAWNChain | 1202 Amarillo Blvd E Amarillo, TX 79107 | (806) 372-2441 | ezpawn.com |
| EZPAWNChain | 2600 SW 6th Ave Amarillo, TX 79106 | (806) 374-3030 | ezpawn.com |
| EZPAWNChain | 3300 E Interstate Dr 40 Suite 1200 Amarillo, TX 79103 | (806) 371-0413 | ezpawn.com |
| EZPAWNChain | 4210 SW 45th Ave Amarillo, TX 79109 | (806) 358-3134 | ezpawn.com |
| Lone Star Gold and Silver Buyers | 14601 Soncy Rd, Suite 2E Amarillo, TX 79119 | (806) 670-5499 | lonestargoldandsilverbuyers.com |
Pawn shops vs payday loan stores in Amarillo
Amarillo has 12 payday, installment and title loan stores but only 11 pawn shops.
Pawn shops
11
4.7 per 100k residents
Payday & loan stores
12
5.1 per 100k residents
9 store chains
Biggest loan store chains in Amarillo: Cash Store (2), Security Finance (2), Sun Loan Company (2), ACE Cash Express (1), Lendmark Financial Services (1).
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 Amarillo
- 2.7%
- Pawn cost, share of monthly household income in Amarillo
- 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%+ |
Amarillo at a glance
- Median household income
- $66,978
- Texas: $81,963
- Poverty rate
- 15.1%
- Texas: 13.9%
- Households under $25,000
- 18.1%
- Texas: 15.0%
- A $400 emergency equals
- 2.2 days of income
Payday and installment loan stores in Amarillo
For comparison: storefront payday, installment and title lenders in Amarillo with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 5722 W Amarillo Blvd Space 6 Amarillo, TX 79106 | (806) 358-0317 | — | 4.9 |
| 7200 SW 45th Ave Spc 12 Amarillo, TX 79109 | (806) 356-7322 | — | 4.9 |
| 1914 SE 10th Ave Ste B502 Amarillo, TX 79102 | (806) 373-0173 | — | 4.7 |
| 3430 S Western St Amarillo, TX 79109 | (806) 353-5577 | — | 4.9 |
| 2706 S Osage St Ste 104 Amarillo, TX 79103 | (806) 373-8020 | — | 4.9 |
| 3101 S Western St #7 Amarillo, TX 79109 | (806) 576-2775 | — | 4.9 |
| 1500 E Amarillo Blvd Spc A Amarillo, TX 79107 | (806) 331-0867 | — | 4.7 |
| 2818 S Soncy Rd Amarillo, TX 79124 | (806) 356-7674 | — | 4.5 |
| 7402 SW 34th Ave #9 Amarillo, TX 79121 | (806) 351-0900 | — | 3.7 |
| 3514 E Interstate 40 Hwy Amarillo, TX 79103 | (806) 576-3760 | — | 4.9 |
| Western Finance 3101 S Western St Unit 6 Amarillo, TX 79109 | (806) 358-0505 | — | 4.6 |
| 3620 S Western St Ste 100 Amarillo, TX 79109 | (806) 452-4740 | — | 1.0 |
Pawn shops near Amarillo
More about Amarillo
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.