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Pawn Shops vs Payday Loans in Baytown, TX
7 pawn shops in and around Baytown — 5.4 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. Baytown ranks #30 of 94 Texas cities with pawn shops by shops per resident.
- Pawn shops
- 7
- Pawn shops per 100k
- 5.4
- Texas: 4.3
- Big-chain shops
- 4
- Payday & loan stores
- 12
- Population
- 130,055
Pawn shops in Baytown: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Action Pawn | 3318 N Main St Baytown, TX 77521 | (281) 427-1646 | actionpawnshops.com |
| Cash America PawnChain | 2713 N Alexander Dr Baytown, TX 77520 | (281) 427-2274 | firstcash.com |
| Cash America PawnChain | 4400 Decker Dr Baytown, TX 77520 | (281) 424-2274 | find.cashamerica.us |
| Cash America PawnChain | 8933 N Highway 146 Baytown, TX 77523 | (281) 576-5129 | firstcash.com |
| EZPAWNChain | 1900 Garth Rd Baytown, TX 77520 | (281) 422-8684 | ezpawn.com |
| Fiesta Pawn | 5123 Garth Rd, Ste C Baytown, TX 77521 | — | — |
| Fiesta Pawnshop | 5123 Garth Rd C Baytown, TX 77521 | (281) 421-8000 | fiestapawn.com |
Pawn shops vs payday loan stores in Baytown
Baytown has 12 payday, installment and title loan stores but only 7 pawn shops.
Pawn shops
7
5.4 per 100k residents
Payday & loan stores
12
9.2 per 100k residents
9 store chains
Biggest loan store chains in Baytown: TitleMax (3), ACE Cash Express (2), Advance America (1), Check 'n Go (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 Baytown
- 2.3%
- Pawn cost, share of monthly household income in Baytown
- 1.5%
- A $400 emergency equals
- 1.8 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%+ |
Baytown at a glance
- Median household income
- $79,827
- Texas: $81,963
- Poverty rate
- 15.2%
- Texas: 13.9%
- Households under $25,000
- 16.3%
- Texas: 15.0%
- A $400 emergency equals
- 1.8 days of income
Payday and installment loan stores in Baytown
For comparison: storefront payday, installment and title lenders in Baytown with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1925 Garth Rd Baytown, TX 77520 | (281) 691-6672 | — | 5.0 |
| 4612 W Cedar Bayou Lynchburg Rd Baytown, TX 77521 | (832) 926-7137 | — | 5.0 |
| 5225 Garth Rd Baytown, TX 77521 | (281) 421-4186 | — | 5.0 |
| 3010 Garth Rd Baytown, TX 77521 | (281) 427-1484 | — | 4.9 |
| 4611 Garth Rd #300 Baytown, TX 77521 | (832) 556-0836 | — | 4.9 |
| 4539 Garth Rd, Ste. 208 Baytown, TX 77521 | (281) 420-9019 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 1248 Garth Rd Baytown, TX 77520 | (832) 556-1011 | — | 4.9 |
| 5623 Garth Rd #160 Baytown, TX 77521 | (936) 367-9933 | — | 4.3 |
| 6612 Garth Rd Baytown, TX 77521 | (281) 691-6107 | — | 4.9 |
| 4810 I-10 B Baytown, TX 77521 | (281) 421-4700 | — | 3.9 |
| 2703 N Alexander Dr Baytown, TX 77520 | (281) 427-0097 | — | 4.9 |
| Western Finance 3402 N Main St Baytown, TX 77521 | (281) 422-8719 | — | 4.7 |
Pawn shops near Baytown
More about Baytown
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.