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Pawn Shops vs Payday Loans in Beaumont, TX
6 pawn shops in and around Beaumont — 4.2 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. Beaumont ranks #44 of 94 Texas cities with pawn shops by shops per resident.
- Pawn shops
- 6
- Pawn shops per 100k
- 4.2
- Texas: 4.3
- Big-chain shops
- 2
- Payday & loan stores
- 13
- Population
- 141,516
Pawn shops in Beaumont: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| EZPAWNChain | 3777 College St Beaumont, TX 77701 | (409) 832-6808 | ezpawn.com |
| EZPAWNChain | 4135 E Lucas Dr Beaumont, TX 77708 | (409) 898-2408 | ezpawn.com |
| JJ's Pawn Shop | 5640 College St Beaumont, TX 77707 | (409) 840-4400 | gunsnet.com |
| Meyer's Jewelry & Loan | 5355 College St Beaumont, TX 77707 | (409) 842-6595 | meyers-jewelry.hub.biz |
| Triangle Pawn | 3855 E Lucas Dr Beaumont, TX 77708 | (409) 892-7911 | trianglepawnbroker.com |
| Triangle Pawn | 995 S 11th St Beaumont, TX 77701 | (409) 835-2834 | trianglepawnbroker.com |
Pawn shops vs payday loan stores in Beaumont
Beaumont has 13 payday, installment and title loan stores but only 6 pawn shops.
Pawn shops
6
4.2 per 100k residents
Payday & loan stores
13
9.2 per 100k residents
11 store chains
Biggest loan store chains in Beaumont: Texas Car Title and Payday Loan Services (2), TitleMax (2), ACE Cash Express (1), Advance America (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 Beaumont
- 2.9%
- Pawn cost, share of monthly household income in Beaumont
- 1.9%
- A $400 emergency equals
- 2.3 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%+ |
Beaumont at a glance
- Median household income
- $62,630
- Texas: $81,963
- Poverty rate
- 18.8%
- Texas: 13.9%
- Households under $25,000
- 20.5%
- Texas: 15.0%
- A $400 emergency equals
- 2.3 days of income
Payday and installment loan stores in Beaumont
For comparison: storefront payday, installment and title lenders in Beaumont with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
|
Texas Car Title and Payday Loan Services
2 stores in Beaumont
texascartitleandpaydayloanservicesinc.com
|
|||
| 3810 College St Beaumont, TX 77701 | (409) 835-8861 | — | 4.8 |
| 4150 E Lucas Dr Beaumont, TX 77708 | (409) 892-9000 | — | 4.9 |
| 3680 College St Ste A Beaumont, TX 77701 | (409) 835-0544 | — | 4.9 |
| 5330 Eastex Fwy Beaumont, TX 77708 | (409) 204-4885 | — | 4.9 |
| 4130 E Lucas Dr Ste A Beaumont, TX 77708 | (409) 898-1668 | — | 4.8 |
| 3829 Phelan Blvd. Beaumont, TX 77707 | (409) 832-4314 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 196 S Dowlen Rd Beaumont, TX 77707 | (409) 861-2221 | — | 4.2 |
| 3939 Dowlen Rd #7 Beaumont, TX 77706 | (409) 240-2535 | — | 4.9 |
| 4410 Dowlen Rd #101b Beaumont, TX 77706 | (409) 899-3023 | — | 3.9 |
| 3295 College St Suite 400 Beaumont, TX 77701 | (409) 838-6447 | — | 5.0 |
| 860 S 11th St Ste 105 Beaumont, TX 77701 | (409) 832-2274 | — | 4.9 |
| 49 N 11th St Beaumont, TX 77702 | (409) 832-8243 | — | 5.0 |
| Western Finance 75 N 11th St Beaumont, TX 77702 | (409) 833-5956 | — | 4.9 |
Pawn shops near Beaumont
More about Beaumont
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.