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Pawn Shops vs Payday Loans in Edinburg, TX
7 pawn shops in and around Edinburg — 4.0 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. Edinburg ranks #46 of 94 Texas cities with pawn shops by shops per resident.
- Pawn shops
- 7
- Pawn shops per 100k
- 4.0
- Texas: 4.3
- Big-chain shops
- 6
- Payday & loan stores
- 13
- Population
- 173,668
Pawn shops in Edinburg: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Cash America PawnChain | 4422 S Raul Longoria Rd Edinburg, TX 78542 | (956) 283-1815 | firstcash.com |
| Cash America PawnChain | 902 E University Dr Edinburg, TX 78539 | (956) 380-0394 | cashamerica.com |
| EZPAWNChain | 322 S Closner Blvd Edinburg, TX 78539 | (956) 380-3500 | ezpawn.com |
| First Cash PawnChain | 2422 E University Dr Edinburg, TX 78542 | (956) 381-0830 | firstcash.com |
| First Cash PawnChain | 3501 W University Dr Edinburg, TX 78541 | (956) 318-0106 | firstcash.com |
| First Cash PawnChain | 820 W University Dr Edinburg, TX 78539 | (956) 318-0298 | firstcash.com |
| La Piedad Pawn Shop | 907 W Monte Cristo Rd Edinburg, TX 78541 | (956) 287-4879 | lapiedadpawnshop.com |
Pawn shops vs payday loan stores in Edinburg
Edinburg has 13 payday, installment and title loan stores but only 7 pawn shops.
Pawn shops
7
4.0 per 100k residents
Payday & loan stores
13
7.5 per 100k residents
10 store chains
Biggest loan store chains in Edinburg: Sun Loan Company (3), Western Shamrock Finance (2), ACE Cash Express (1), Advance America (1), Cash Store (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 Edinburg
- 3.3%
- Pawn cost, share of monthly household income in Edinburg
- 2.2%
- A $400 emergency equals
- 2.7 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%+ |
Edinburg at a glance
- Median household income
- $54,896
- Texas: $81,963
- Poverty rate
- 29.1%
- Texas: 13.9%
- Households under $25,000
- 25.3%
- Texas: 15.0%
- A $400 emergency equals
- 2.7 days of income
Payday and installment loan stores in Edinburg
For comparison: storefront payday, installment and title lenders in Edinburg with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1206 W Monte Cristo Rd Ste B Edinburg, TX 78541 | (956) 720-4324 | — | 5.0 |
| 2801 W University Dr Ste 8 Edinburg, TX 78539 | (956) 381-5018 | — | 4.9 |
| 523 E University Dr Edinburg, TX 78539 | (956) 287-3376 | — | 4.9 |
| Shamrock Finance 1103 E University Dr Edinburg, TX 78539 | (956) 316-0300 | — | 5.0 |
| Shamrock Finance 721 S Closner Blvd Ste A Edinburg, TX 78539 | (956) 289-8311 | — | 4.9 |
| 515 E University Dr Edinburg, TX 78539 | (956) 381-6665 | — | 4.9 |
| 1624 W. University Dr. Edinburg, TX 78539 | (956) 287-9210 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 4120 S McColl Rd Ste 4 Edinburg, TX 78539 | (956) 630-4693 | — | 4.9 |
| 305 S Sugar Rd Edinburg, TX 78539 | (956) 289-1922 | — | 4.8 |
| 306 S Jackson Rd Ste A & B Edinburg, TX 78539 | (956) 380-1417 | — | 3.6 |
| 2260 S Business Highway 281, Ste 7 Edinburg, TX 78539 | (956) 383-2701 | — | 5.0 |
|
Texas Car Title and Payday Loan Services
1 store in Edinburg
texascartitleandpaydayloanservicesinc.com
|
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| 2260 S Business Hwy 281 Edinburg, TX 78539 | (956) 381-5579 | — | 4.9 |
| 1116 E University Dr Edinburg, TX 78539 | (956) 316-4336 | — | 5.0 |
Pawn shops near Edinburg
More about Edinburg
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.