Compare legal limits, fees and the true cost of small loans in your state before you talk to any lender. Compare legal limits, fees and the true cost of small loans in your state.
Pawn Shops vs Payday Loans in Eagle Pass, TX
4 pawn shops in and around Eagle Pass — 7.0 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. Eagle Pass ranks #14 of 94 Texas cities with pawn shops by shops per resident.
- Pawn shops
- 4
- Pawn shops per 100k
- 7.0
- Texas: 4.3
- Big-chain shops
- 4
- Payday & loan stores
- 6
- Population
- 56,933
Pawn shops in Eagle Pass: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| EZPAWNChain | 100 N Adams St Eagle Pass, TX 78852 | (830) 758-0058 | ezpawn.com |
| EZPAWNChain | 2275 El Indio Hwy Eagle Pass, TX 78852 | (830) 773-5777 | ezpawn.com |
| EZPAWNChain | 2323 E Main St Eagle Pass, TX 78852 | (830) 773-3794 | ezpawn.com |
| EZPAWNChain | 698 E Main St Eagle Pass, TX 78852 | (830) 773-8345 | linktr.ee |
Pawn shops vs payday loan stores in Eagle Pass
Eagle Pass has 6 payday, installment and title loan stores but only 4 pawn shops.
Pawn shops
4
7.0 per 100k residents
Payday & loan stores
6
10.5 per 100k residents
5 store chains
Biggest loan store chains in Eagle Pass: Security Finance (2), OneMain Financial (1), Sun Loan Company (1), Texas Car Title and Payday Loan Services (1), Western Shamrock Finance (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 Eagle Pass
- 3.4%
- Pawn cost, share of monthly household income in Eagle Pass
- 2.3%
- A $400 emergency equals
- 2.8 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%+ |
Eagle Pass at a glance
- Median household income
- $52,295
- Texas: $81,963
- Poverty rate
- 22.8%
- Texas: 13.9%
- Households under $25,000
- 27.3%
- Texas: 15.0%
- A $400 emergency equals
- 2.8 days of income
Payday and installment loan stores in Eagle Pass
For comparison: storefront payday, installment and title lenders in Eagle Pass with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 232 Jefferson St Eagle Pass, TX 78852 | (830) 773-2922 | — | 5.0 |
| 2320 Del Rio Blvd Ste C Eagle Pass, TX 78852 | (830) 757-4020 | — | 5.0 |
| 432 S Bibb Ave Ste 600 Eagle Pass, TX 78852 | (830) 757-3389 | — | 5.0 |
| 448 E Main St Eagle Pass, TX 78852 | (830) 319-3442 | — | 5.0 |
|
Texas Car Title and Payday Loan Services
1 store in Eagle Pass
texascartitleandpaydayloanservicesinc.com
|
|||
| 2187 E Garrison St Eagle Pass, TX 78852 | (830) 757-2600 | — | 4.9 |
| Western Finance 385 E Main St Eagle Pass, TX 78852 | (830) 758-1977 | — | 5.0 |
Pawn shops near Eagle Pass
More about Eagle Pass
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.