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Pawn Shops vs Payday Loans in Austin, TX
52 pawn shops in and around Austin — 4.5 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. Austin ranks #41 of 94 Texas cities with pawn shops by shops per resident.
- Pawn shops
- 52
- Pawn shops per 100k
- 4.5
- Texas: 4.3
- Big-chain shops
- 27
- Payday & loan stores
- 32
- Population
- 1,157,348
Pawn shops in Austin: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Action Pawn | 7740 Ed Bluestein Austin, TX 78723 | — | — |
| Action Pawn | 805 E Rundberg Ln Austin, TX 78753 | (512) 837-8799 | actionpawnshops.com |
| Action Pawn | 9314 N. Lamar Austin, TX 78753 | — | — |
| Action Pawn Shops | 9314 N Lamar Blvd Austin, TX 78753 | (512) 832-8559 | actionpawnshops.com |
| Best Pawn Austin | 10313 Lake Creek Pkwy Austin, TX 78750 | (512) 258-7771 | pawnshopaustintx.com |
| Cash America PawnChain | 11857 Research Blvd Austin, TX 78759 | (512) 250-9877 | firstcash.com |
| Cash America PawnChain | 1620 Ohlen Rd Austin, TX 78758 | (512) 837-9324 | find.cashamerica.us |
| Cash America PawnChain | 1701 E William Cannon Dr Austin, TX 78744 | (512) 326-5028 | cashamerica.com |
| Cash America PawnChain | 2121 E Oltorf St Ste 102 Austin, TX 78741 | (512) 443-6004 | firstcash.com |
| Cash America PawnChain | 2321 E 7th St Austin, TX 78702 | (512) 476-0377 | firstcash.com |
| Cash America PawnChain | 2400 S 1st St Austin, TX 78704 | (512) 441-3630 | cashamerica.com |
| Cash America PawnChain | 3402 Guadalupe St Austin, TX 78705 | (512) 459-7021 | cashamerica.com |
| Cash America PawnChain | 501 W Ben White Blvd Austin, TX 78704 | (512) 442-8858 | find.cashamerica.us |
| Cash America PawnChain | 5301 Airport Blvd Austin, TX 78751 | (512) 452-7603 | cashamerica.com |
| Cash America PawnChain | 5801 Burnet Rd Austin, TX 78756 | (512) 459-1255 | cashamerica.com |
| Cash America PawnChain | 611 S Lamar Blvd Austin, TX 78704 | (512) 443-7787 | cashamerica.com |
| Cash America PawnChain | 6214 W Highway 290 Austin, TX 78735 | (512) 892-5444 | cashamerica.com |
| Cash America PawnChain | 7544 N Lamar Blvd Austin, TX 78752 | (512) 467-2568 | find.cashamerica.us |
| Cash America PawnChain | 7935 Burnet Rd Austin, TX 78757 | (512) 452-7296 | firstcash.com |
| Cash America PawnChain | 9616 N Lamar Blvd Ste 100 Austin, TX 78753 | (512) 834-6421 | firstcash.com |
| Cash America PawnChain | Vista Lago Apartments, 2410 E Riverside Dr #3 Austin, TX 78741 | (512) 444-4656 | find.cashamerica.us |
| Cash Pawn | 2209 E Riverside Dr Austin, TX 78741 | (512) 441-1444 | ezpawn.com |
| Cash Pawn | 6904 Cameron Rd Austin, TX 78752 | (512) 454-0459 | ezpawn.com |
| Cash Pawn | 8409 N Lamar Blvd Austin, TX 78753 | (512) 836-8388 | ezpawn.com |
| Ez Payday Loans | 102 E Oltorf St Austin, TX 78704 | (512) 916-8242 | — |
| Ez Payday Loans | 6330 W Highway 290 Austin, TX 78735 | (512) 891-0882 | — |
| EZPAWNChain | 102 E Oltorf St Austin, TX 78704 | (512) 444-3999 | ezpawn.com |
| EZPAWNChain | 1181 Airport Blvd Ste. 120 Austin, TX 78702 | (512) 928-3947 | ezpawn.com |
| EZPAWNChain | 1900 E 7th St Austin, TX 78702 | (512) 478-8366 | ezpawn.com |
| EZPAWNChain | 2219 W Ben White Blvd Austin, TX 78704 | (512) 443-5082 | ezpawn.com |
| EZPAWNChain | 4714 S Congress Ave Austin, TX 78745 | (512) 444-0876 | ezpawn.com |
| EZPAWNChain | 5203 Cameron Rd Austin, TX 78723 | (512) 451-4021 | ezpawn.com |
| EZPAWNChain | 7439 N Lamar Blvd Austin, TX 78752 | (512) 459-0105 | ezpawn.com |
| First Cash PawnChain | 13215 Research Blvd Austin, TX 78750 | (512) 506-8415 | firstcash.com |
| First Cash PawnChain | 2716 W William Cannon Dr Austin, TX 78745 | (512) 804-0248 | checksmartstores.com |
| First Cash PawnChain | 9924 Manchaca Rd Austin, TX 78748 | (512) 280-1065 | firstcash.com |
| Lake Travis Pawn & Jewlery | 3611 Ranch Rd 620 N Austin, TX 78734 | (512) 266-6517 | laketravispawn.com |
| Mustang Jewelry & Pawn | 5510 S Congress Ave Austin, TX 78745 | (512) 441-5363 | mustangjewelryandpawn.com |
| National Pawn & Jewelry | 111 W William Cannon Dr Austin, TX 78745 | (512) 447-9327 | nationalpawnandjewelry.com |
| National Pawn & Jewelry | 901 E Cesar Chavez St Austin, TX 78702 | (512) 291-1111 | nationalpawnandjewelry.com |
| Smart Pawn & Jewelry | 11304 N Interstate 35 Austin, TX 78753 | (512) 836-3458 | firstcash.com |
| Smart Pawn & Jewelry | 1166 Airport Blvd Austin, TX 78702 | (512) 928-1337 | firstcash.com |
| Smart Pawn & Jewelry | 5416 Menchaca Rd Austin, TX 78745 | (512) 443-5500 | firstcash.com |
| Smart Pawn and Jewelry | 2121 W Parmer Ln #109-b Austin, TX 78727 | (512) 977-8000 | nationalpawnandjewelry.com |
| Top Cash Pawn | 12006 Research Blvd Austin, TX 78759 | (512) 258-2426 | topcashpawnandloan.com |
| Top Cash Pawn | 4715 S Congress Ave Austin, TX 78745 | (512) 442-6161 | topcashpawnandloan.com |
| Top Cash Pawn | 600 E Rundberg Ln # 5 Austin, TX 78753 | (512) 836-8505 | topcashpawnandloan.com |
| Top Cash Pawn | 617 W Slaughter Ln Ste 104 Austin, TX 78748 | (512) 292-6100 | topcashpawnandloan.com |
| Top Cash Pawn | 8309 Research Blvd Austin, TX 78758 | (512) 835-7908 | topcashpawnandloan.com |
| Top Cash Pawn #1 | 9323 Burnet Rd Austin, TX 78758 | (512) 837-2182 | topcashpawnandloan.com |
| USA PawnChain | 2500 Bee Caves Rd Ste 1 Austin, TX 78746 | (855) 366-3279 | — |
| Value Financial Services Inc | 1901 Capital Pkwy Austin, TX 78746 | (512) 314-3400 | valuepawnandjewelry.com |
Pawn shops vs payday loan stores in Austin
Austin has 52 pawn shops and 32 payday, installment and title loan stores.
Pawn shops
52
4.5 per 100k residents
Payday & loan stores
32
2.8 per 100k residents
13 store chains
Biggest loan store chains in Austin: TitleMax (9), OneMain Financial (4), ACE Cash Express (3), Oportun (3), 1st Franklin Financial (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 Austin
- 1.7%
- Pawn cost, share of monthly household income in Austin
- 1.2%
- A $400 emergency equals
- 1.4 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%+ |
Austin at a glance
- Median household income
- $104,070
- Texas: $81,963
- Poverty rate
- 11.7%
- Texas: 13.9%
- Households under $25,000
- 11.7%
- Texas: 15.0%
- A $400 emergency equals
- 1.4 days of income
Payday and installment loan stores in Austin
For comparison: storefront payday, installment and title lenders in Austin with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 10010 Menchaca Rd Ste B Austin, TX 78748 | (512) 362-6234 | — | 4.9 |
| 1900 E Oltorf St Ste 106 Austin, TX 78741 | (512) 362-6938 | — | 4.9 |
| 1930 W William Cannon Dr Austin, TX 78745 | (512) 652-5878 | — | 5.0 |
| 2617 E 7th St Austin, TX 78702 | (512) 362-6175 | — | 5.0 |
| 3909 N Interstate Hwy 35 Austin, TX 78722 | (512) 652-0442 | — | 5.0 |
| 7837 Burnet Rd Austin, TX 78757 | (512) 362-5568 | — | 5.0 |
| 7901 Cameron Rd Ste 5A Austin, TX 78754 | (512) 652-3022 | — | 5.0 |
| 8505 Springdale Rd Austin, TX 78754 | (512) 605-6037 | — | 4.9 |
| 8929 N Lamar Blvd Austin, TX 78753 | (512) 605-6091 | — | 4.9 |
| 1212 W Parmer Ln Ste G Austin, TX 78727 | (512) 374-0941 | — | 4.2 |
| 13359 Research Blvd Ste B-408 Austin, TX 78750 | (512) 335-0526 | — | 3.8 |
| 9020 N Capital of Texas Hwy Bldg 2, Suite 275 Austin, TX 78759 | (512) 406-0214 | — | 3.3 |
| 9900 S I-35 Frontage Rd Ste 200 Austin, TX 78748 | (512) 326-1151 | — | 3.0 |
| 2237 E Riverside Dr #102 Austin, TX 78741 | (512) 447-5682 | — | 4.7 |
| 5341 Cameron Rd Austin, TX 78723 | (512) 458-5498 | — | 4.8 |
| 730 W Stassney Ln Ste 150 Austin, TX 78745 | (512) 447-9371 | — | 4.6 |
| 3909 N Interstate Hwy 35 Ste D-6 Austin, TX 78722 | (737) 701-5539 | — | 4.9 |
| 4410 E Riverside Dr Ste 100 Austin, TX 78741 | (512) 900-2328 | — | 5.0 |
| 8752 Research Blvd Austin, TX 78758 | (737) 250-2148 | — | 5.0 |
| 4631 Airport Blvd #120 Austin, TX 78751 | (512) 459-1743 | — | 4.9 |
| 500 W William Cannon Dr #426 Austin, TX 78745 | (512) 448-3991 | — | 5.0 |
| 13450 Research Blvd Ste 113 Austin, TX 78750 | (737) 253-8070 | — | 4.6 |
| 9300 I-35 Suite A200 Austin, TX 78748 | (737) 808-0015 | — | 2.6 |
| 2514 E Ben White Blvd Austin, TX 78741 | (512) 447-8077 | — | 4.9 |
| 7201 Cameron Rd Austin, TX 78752 | (512) 458-1422 | — | 4.9 |
| 1921 Lohmans Crossing Rd #202 Austin, TX 78734 | (512) 620-7040 | — | 4.5 |
| 8310 N Capital of Texas Hwy #200 Austin, TX 78731 | (512) 485-3575 | — | 1.8 |
| 1717 S Pleasant Valley Rd Austin, TX 78741 | (512) 478-1653 | — | 4.0 |
| 2110 W Slaughter Ln #180 Austin, TX 78748 | (512) 827-0750 | — | 4.6 |
| 5717 S I-35 Frontage Rd Suite 170 Austin, TX 78744 | (512) 442-1965 | — | 4.3 |
| 7419 Burnet Rd Austin, TX 78757 | (512) 873-7881 | — | 4.9 |
| Western Finance 6602 S Congress Ave Austin, TX 78745 | (512) 442-9787 | — | 4.9 |
Pawn shops near Austin
More about Austin
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.