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Pawn Shops vs Payday Loans in Brownsville, TX
18 pawn shops in and around Brownsville — 8.5 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. Brownsville ranks #6 of 94 Texas cities with pawn shops by shops per resident.
- Pawn shops
- 18
- Pawn shops per 100k
- 8.5
- Texas: 4.3
- Big-chain shops
- 11
- Payday & loan stores
- 20
- Population
- 210,916
Pawn shops in Brownsville: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Amigo Pawn & Jewelry | 1360 Ruben M Torres Blvd Brownsville, TX 78520 | (956) 554-9198 | amigopawn.com |
| Amigo Pawn & Jewelry | 6181 Paredes Line Rd Brownsville, TX 78526 | (956) 554-9151 | amigopawn.com |
| Amigo Pawn & Jewelry | 802 Old Port Isabel Rd Brownsville, TX 78521 | (956) 544-5675 | amigoash.wufoo.com |
| Amigo Pawn and Jewelry | 636 Central Blvd Brownsville, TX 78520 | (956) 548-6659 | amigopawn.com |
| Amigo Pawn and Jewelry | 7384 Padre Island Hwy Brownsville, TX 78521 | (956) 831-5522 | amigopawn.com |
| Brownsville Pawn | 1157 International Blvd Brownsville, TX 78520 | (956) 546-7742 | bisd.us |
| Brownsville Pawn & Jewelry | 4814 Boca Chica Blvd Brownsville, TX 78521 | (956) 546-7742 | — |
| Cash America PawnChain | 1034 Fm802 Brownsville, TX 78521 | (956) 541-4445 | find.cashamerica.us |
| Cash America PawnChain | 124 Security Dr Brownsville, TX 78521 | (956) 982-0411 | firstcash.com |
| Cash America PawnChain | 1634 Central Blvd #1 Brownsville, TX 78520 | (956) 504-1632 | find.cashamerica.us |
| EZPAWNChain | 1444 International Blvd Brownsville, TX 78520 | (956) 546-0886 | ezpawn.com |
| EZPAWNChain | 1804 Southmost Rd Brownsville, TX 78521 | (956) 541-7320 | ezpawn.com |
| EZPAWNChain | 2115 Boca Chica Blvd Brownsville, TX 78521 | (956) 541-9881 | ezpawn.com |
| First Cash PawnChain | 4244 Southmost Rd Brownsville, TX 78521 | (956) 554-9010 | cashamerica.us |
| First Cash PawnChain | 497 W Elizabeth St Brownsville, TX 78520 | (956) 546-7296 | ww2.firstcash.com |
| First Cash PawnChain | 5205 E 14th St Brownsville, TX 78521 | (956) 831-7403 | firstcash.com |
| First Cash PawnChain | 854 Frontage Rd Brownsville, TX 78521 | (956) 541-0290 | — |
| First Cash PawnChain | 915 International Blvd Brownsville, TX 78520 | (956) 550-0770 | firstcash.com |
Pawn shops vs payday loan stores in Brownsville
Brownsville has 20 payday, installment and title loan stores but only 18 pawn shops.
Pawn shops
18
8.5 per 100k residents
Payday & loan stores
20
9.5 per 100k residents
13 store chains
Biggest loan store chains in Brownsville: Security Finance (3), ACE Cash Express (2), Cash Store (2), OneMain Financial (2), Sun Loan Company (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 Brownsville
- 3.6%
- Pawn cost, share of monthly household income in Brownsville
- 2.4%
- A $400 emergency equals
- 2.9 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%+ |
Brownsville at a glance
- Median household income
- $50,701
- Texas: $81,963
- Poverty rate
- 25.2%
- Texas: 13.9%
- Households under $25,000
- 26.7%
- Texas: 15.0%
- A $400 emergency equals
- 2.9 days of income
Payday and installment loan stores in Brownsville
For comparison: storefront payday, installment and title lenders in Brownsville with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 3670 Boca Chica Blvd Ste 1 Brownsville, TX 78521 | (956) 544-6400 | — | 5.0 |
| 924 E Levee St Ste A Brownsville, TX 78520 | (956) 541-1543 | — | 5.0 |
| 943 Frontage Rd Suite 15 Brownsville, TX 78520 | (956) 542-1734 | — | 5.0 |
| 2921 Boca Chica Blvd Ste D Brownsville, TX 78521 | (956) 541-7700 | — | 4.9 |
| 905 Paredes Line Rd Brownsville, TX 78521 | (956) 542-6700 | — | 5.0 |
| 101 Morrison Rd C Brownsville, TX 78526 | (956) 350-3391 | — | 4.9 |
| 2821 Boca Chica Blvd #101 Brownsville, TX 78521 | (956) 542-5284 | — | 4.8 |
| 265 Morrison Rd Brownsville, TX 78526 | (956) 546-2266 | — | 3.7 |
| 5850 Ruben M Torres Blvd Ste A7 Brownsville, TX 78526 | (956) 838-1209 | — | 4.8 |
| 3025 Boca Chica Blvd Ste G Brownsville, TX 78521 | (956) 548-0532 | — | 5.0 |
| 857 E Washington St Ste b Brownsville, TX 78520 | (956) 542-1888 | — | 5.0 |
| Western Finance 857 E Washington St # A Brownsville, TX 78520 | (956) 542-1877 | — | 4.9 |
| Shamrock Finance 943 North Expy Ste 21 Brownsville, TX 78520 | (956) 550-9240 | — | 5.0 |
| 1669 Central Blvd. Brownsville, TX 78520 | (956) 554-0408 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 2426 Boca Chica Blvd Brownsville, TX 78521 | (956) 544-5900 | — | 5.0 |
| International Plaza, 3505 Boca Chica Blvd Suite 147 Brownsville, TX 78521 | (956) 982-6880 | — | 4.9 |
| 2355 Frontage Rd Ste 4 Brownsville, TX 78520 | (956) 404-0034 | — | 5.0 |
| 500 Morrison Rd Unit D Brownsville, TX 78526 | (956) 338-1852 | — | 4.9 |
| 2715 Boca Chica Blvd Unit 07 Brownsville, TX 78521 | (956) 622-5572 | — | 5.0 |
| 3300 Boca Chica Blvd Brownsville, TX 78521 | (956) 544-0735 | — | 5.0 |
Pawn shops near Brownsville
More about Brownsville
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.