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Pawn Shops vs Payday Loans in Conroe, TX
4 pawn shops in and around Conroe — 2.1 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. Conroe ranks #73 of 94 Texas cities with pawn shops by shops per resident.
- Pawn shops
- 4
- Pawn shops per 100k
- 2.1
- Texas: 4.3
- Big-chain shops
- 3
- Payday & loan stores
- 15
- Population
- 193,955
Pawn shops in Conroe: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| B & W Pawn Shop | 300 N Frazier St Conroe, TX 77301 | (936) 760-3004 | conroeinfo.com |
| Cash America PawnChain | 709-717 E Davis St Conroe, TX 77301 | (936) 539-6662 | find.cashamerica.us |
| EZPAWNChain | 1205-A N Loop 336 W Conroe, TX 77301 | (936) 539-3377 | ezpawn.com |
| EZPAWNChain | 222 S Frazier St Conroe, TX 77301 | (936) 756-1653 | ezpawn.com |
Pawn shops vs payday loan stores in Conroe
Conroe has 15 payday, installment and title loan stores but only 4 pawn shops.
Pawn shops
4
2.1 per 100k residents
Payday & loan stores
15
7.7 per 100k residents
14 store chains
Biggest loan store chains in Conroe: ACE Cash Express (2), 1st Franklin Financial (1), Advance America (1), Cash Store (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 Conroe
- 2.2%
- Pawn cost, share of monthly household income in Conroe
- 1.4%
- 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%+ |
Conroe at a glance
- Median household income
- $83,213
- Texas: $81,963
- Poverty rate
- 11.5%
- Texas: 13.9%
- Households under $25,000
- 11.4%
- Texas: 15.0%
- A $400 emergency equals
- 1.8 days of income
Payday and installment loan stores in Conroe
For comparison: storefront payday, installment and title lenders in Conroe with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1146 W Dallas St Conroe, TX 77301 | (936) 760-2274 | — | 4.9 |
| 1211 N Loop 336 W Ste C Conroe, TX 77301 | (936) 521-1912 | — | 4.9 |
| 2200 Interstate 45 N a Conroe, TX 77301 | (936) 320-0004 | — | 5.0 |
| 610 W. Davis St. Conroe, TX 77301 | (936) 539-2214 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 1403 N Loop 336 W Ste B-3 Conroe, TX 77304 | (936) 494-1119 | — | 4.8 |
| 2129 W Davis St Ste D Conroe, TX 77304 | (936) 242-4340 | — | 4.7 |
| 2257 N Loop 336 W Ste. 100 Conroe, TX 77304 | (936) 202-2350 | — | 5.0 |
| 1302 W Davis St E Conroe, TX 77304 | (936) 756-0699 | — | 3.9 |
| 1240 N Loop 336 W Conroe, TX 77301 | (866) 488-6090 | — | 5.0 |
| 1201 N Loop 336 W D Conroe, TX 77301 | (936) 756-4494 | — | 4.9 |
| 2201 N Frazier St Conroe, TX 77301 | (936) 494-2472 | — | 4.9 |
| 3301 W Davis St Ste D Conroe, TX 77304 | (936) 647-2664 | — | 5.0 |
|
Texas Car Title and Payday Loan Services
1 store in Conroe
texascartitleandpaydayloanservicesinc.com
|
|||
| 503 N Frazier St Conroe, TX 77301 | (936) 539-5080 | — | 4.9 |
| 810 N Loop 336 W Conroe, TX 77301 | (936) 760-1222 | — | 5.0 |
| Western Finance 2017 N Frazier St Ste G8B Conroe, TX 77301 | (936) 756-5177 | — | 4.8 |
Pawn shops near Conroe
More about Conroe
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.