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Pawn Shops vs Payday Loans in Denton, TX
6 pawn shops in and around Denton — 3.5 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. Denton ranks #55 of 94 Texas cities with pawn shops by shops per resident.
- Pawn shops
- 6
- Pawn shops per 100k
- 3.5
- Texas: 4.3
- Big-chain shops
- 3
- Payday & loan stores
- 12
- Population
- 170,630
Pawn shops in Denton: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| All State Pawn | 1116 S Woodrow Ln Denton, TX 76205 | (940) 565-0203 | allstatepawnandgun.com |
| Big State Pawn | 1321 Teasley Ln Denton, TX 76205 | (940) 382-7296 | firstcash.com |
| Cash America PawnChain | 1018 Fort Worth Dr Denton, TX 76205 | (940) 566-5555 | firstcash.com |
| EZPAWNChain | 1125 E University Dr #107 Denton, TX 76209 | (940) 808-0009 | ezpawn.com |
| EZPAWNChain | 1801 W University Dr Denton, TX 76201 | (940) 808-1080 | ezpawn.com |
| Mcbride Music & Pawn | 116 W Oak St Denton, TX 76201 | (940) 387-5412 | — |
Pawn shops vs payday loan stores in Denton
Denton has 12 payday, installment and title loan stores but only 6 pawn shops.
Pawn shops
6
3.5 per 100k residents
Payday & loan stores
12
7.0 per 100k residents
10 store chains
Biggest loan store chains in Denton: TitleMax (3), ACE Cash Express (1), B&F Finance (1), Cash Store (1), Check 'n Go (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 Denton
- 2.3%
- Pawn cost, share of monthly household income in Denton
- 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%+ |
Denton at a glance
- Median household income
- $79,502
- Texas: $81,963
- Poverty rate
- 15.1%
- Texas: 13.9%
- Households under $25,000
- 15.2%
- Texas: 15.0%
- A $400 emergency equals
- 1.8 days of income
Payday and installment loan stores in Denton
For comparison: storefront payday, installment and title lenders in Denton with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1701 W University Dr Denton, TX 76201 | (940) 735-3648 | — | 4.9 |
| 501 North Interstate 35 Frontage Road Denton, TX 76205 | (940) 566-4777 | — | 4.9 |
| 7650 S I-35E Ste 142 Corinth, TX 76210 | (972) 538-0251 | — | 4.9 |
| 836 W University Dr Denton, TX 76201 | (940) 243-1308 | — | 4.8 |
| 318 E Oak St #140 Denton, TX 76201 | (940) 566-0300 | — | 3.7 |
| 1601 Brinker Rd Unit 103 Denton, TX 76208 | (940) 591-6899 | — | 4.9 |
| 2220 San Jacinto Blvd #107 Denton, TX 76205 | (940) 483-9644 | — | 5.0 |
| 2215 S Loop 288 Ste 327 Denton, TX 76205 | (940) 566-5888 | — | 4.8 |
| 1400 S Loop 288 Denton, TX 76205 | (940) 287-3990 | — | 4.9 |
| 2430 S I-35E Ste 182 Denton, TX 76205 | (940) 591-0330 | — | 4.0 |
| 605 Sunset St Denton, TX 76201 | (940) 387-3828 | — | 4.8 |
| 400 W University Dr Denton, TX 76201 | (940) 380-8739 | — | 4.9 |
Pawn shops near Denton
More about Denton
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.