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Pawn Shops vs Payday Loans in El Paso, TX
37 pawn shops in and around El Paso — 4.5 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. El Paso ranks #40 of 94 Texas cities with pawn shops by shops per resident.
- Pawn shops
- 37
- Pawn shops per 100k
- 4.5
- Texas: 4.3
- Big-chain shops
- 25
- Payday & loan stores
- 68
- Population
- 815,636
Pawn shops in El Paso: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Benny's Pawn | 10851 Gateway S Blvd #100 El Paso, TX 79934 | — | — |
| Benny's Pawn | 6600 Montana Ave. Ste. N El Paso, TX 79925 | — | — |
| Benny's Pawn Shop | 13998 Horizon Blvd #101a El Paso, TX 79928 | (915) 852-8866 | bennyspawnshops.com |
| Benny's Pawn Shop | 1795 N Zaragoza Rd El Paso, TX 79936 | (915) 857-7711 | bennyspawn.com |
| Benny's Pawn Shop | 3710 N Zaragoza Rd El Paso, TX 79938 | (915) 313-4258 | facebook.com |
| Benny's Pawn Shop | 455 N Yarbrough Dr El Paso, TX 79915 | (915) 592-2202 | — |
| Benny's Pawn Shop | 5500 N Desert Blvd El Paso, TX 79912 | (915) 587-7737 | firstcash.com |
| Cash America PawnChain | 10005 Alameda Ave Socorro, TX 79927 | (915) 860-2776 | firstcash.com |
| Cash America PawnChain | 12215 Rc Poe Rd El Paso, TX 79938 | (915) 242-0656 | find.cashamerica.us |
| Cash America PawnChain | 1478 George Dieter Dr El Paso, TX 79936 | (915) 849-0018 | find.cashamerica.us |
| Cash America PawnChain | 1912 Lee Trevino Dr El Paso, TX 79936 | (915) 592-4481 | find.cashamerica.us |
| Cash America PawnChain | 424 N Yarbrough Dr El Paso, TX 79915 | (915) 593-3732 | find.cashamerica.us |
| Cash America PawnChain | 4630 Montana Ave El Paso, TX 79903 | (915) 562-5775 | firstcash.com |
| Cash America PawnChain | 4650 Woodrow Bean Ste B El Paso, TX 79924 | (915) 759-0075 | cashamerica.com |
| Cash America PawnChain | 4831 Dyer St El Paso, TX 79930 | (915) 562-4351 | cashamerica.com |
| Cash America PawnChain | 6351 S Desert Blvd Bldg B Ste 101 El Paso, TX 79932 | (915) 225-3882 | cashamerica.com |
| Cash America PawnChain | 700 N Piedras St El Paso, TX 79903 | (915) 565-1044 | firstcash.com |
| Cash America PawnChain | 7010 Alameda Ave El Paso, TX 79915 | (915) 772-6034 | find.cashamerica.us |
| Cash America PawnChain | 805 N Zaragoza Rd El Paso, TX 79907 | (915) 859-4095 | find.cashamerica.us |
| Cash America PawnChain | 8181 Dyer St El Paso, TX 79904 | (915) 755-8626 | firstcash.com |
| Dave's A Pawn Shop | 216 S El Paso St El Paso, TX 79901 | (915) 533-3334 | bennyspawn.com |
| El Paso Pawn Jewelry and Exchange | 4400 N Mesa St El Paso, TX 79902 | (915) 544-7296 | elpasojewelryexchange.com |
| EZPAWNChain | 1850 Hunter Dr #101 El Paso, TX 79915 | (915) 598-7268 | ezpawn.com |
| EZPAWNChain | 6100 Alameda Ave El Paso, TX 79905 | (915) 778-2182 | ezpawn.com |
| First Cash PawnChain | 10501 Gateway Blvd W A El Paso, TX 79925 | (915) 595-6136 | firstcash.com |
| First Cash PawnChain | 1458 Lee Trevino Dr El Paso, TX 79936 | (915) 595-0633 | firstcash.com |
| First Cash PawnChain | 4015 Dyer St El Paso, TX 79930 | (915) 566-1453 | ww2.firstcash.com |
| First Cash PawnChain | 4640 Doniphan Dr El Paso, TX 79922 | (915) 585-3813 | firstcash.com |
| First Cash PawnChain | 5375 N Mesa St El Paso, TX 79912 | (915) 842-9545 | firstcash.com |
| First Cash PawnChain | 6207 Montana Ave El Paso, TX 79925 | (915) 881-8680 | firstcash.com |
| First Cash PawnChain | 7660 N Loop Dr El Paso, TX 79915 | (915) 843-4859 | firstcash.com |
| First Cash PawnChain | 8826 Alameda Ave El Paso, TX 79907 | (915) 858-5558 | — |
| First Cash PawnChain | 9411 Alameda Ave El Paso, TX 79907 | (915) 858-0235 | firstcash.com |
| First Cash PawnChain | 9733 Dyer St El Paso, TX 79924 | (915) 751-9475 | — |
| Mesa Pawn and Jewelry | 6238 N Mesa St El Paso, TX 79912 | (915) 301-0212 | mesapawnshop.com |
| Pawn King Corporate | 421 Executive Center Blvd Ste B El Paso, TX 79902 | (314) 525-7115 | pawnkingloansmore.com |
| The BLT Pawn Shop | 9600 Montana Ave El Paso, TX 79925 | (915) 591-2274 | bltpawnshop.com |
Pawn shops vs payday loan stores in El Paso
El Paso has 68 payday, installment and title loan stores but only 37 pawn shops.
Pawn shops
37
4.5 per 100k residents
Payday & loan stores
68
8.3 per 100k residents
14 store chains
Biggest loan store chains in El Paso: TitleMax (11), ACE Cash Express (7), Cash Store (7), Check 'n Go (6), OneMain Financial (6).
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 El Paso
- 3.0%
- Pawn cost, share of monthly household income in El Paso
- 2.0%
- A $400 emergency equals
- 2.4 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%+ |
El Paso at a glance
- Median household income
- $60,757
- Texas: $81,963
- Poverty rate
- 18.4%
- Texas: 13.9%
- Households under $25,000
- 20.8%
- Texas: 15.0%
- A $400 emergency equals
- 2.4 days of income
Payday and installment loan stores in El Paso
For comparison: storefront payday, installment and title lenders in El Paso with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 12496 Montana Ave El Paso, TX 79938 | (915) 856-0000 | — | 5.0 |
| 14026 Horizon Blvd Horizon City, TX 79928 | (915) 852-4981 | — | 5.0 |
| 1793 N Zaragoza Rd # E El Paso, TX 79936 | (915) 245-3625 | — | 5.0 |
| 1841 Lee Trevino Dr El Paso, TX 79936 | (915) 599-3031 | — | 5.0 |
| 5104 Montana Ave El Paso, TX 79903 | (915) 881-8920 | — | 4.9 |
| 7000 Gtwy Blvd E El Paso, TX 79915 | (915) 245-3018 | — | 5.0 |
| 7601 N Mesa St El Paso, TX 79912 | (915) 255-4867 | — | 4.9 |
| 8120 Alameda Ave El Paso, TX 79915 | (915) 245-3641 | — | 5.0 |
| 828 N Zaragoza Rd El Paso, TX 79907 | (915) 245-3624 | — | 4.9 |
| 9501 Dyer St El Paso, TX 79924 | (915) 759-0510 | — | 5.0 |
| 9895 Alameda Ave Ste 100 Socorro, TX 79927 | (915) 872-8811 | — | 5.0 |
| 10755 N Loop Dr E Socorro, TX 79927 | (915) 860-8186 | — | 4.9 |
| 12135 Montwood Dr Ste 103 El Paso, TX 79936 | (915) 856-9973 | — | 4.9 |
| 424 N Yarbrough Dr Ste 4 El Paso, TX 79915 | (915) 595-2241 | — | 4.9 |
| 4700 Montana Ave El Paso, TX 79903 | (915) 566-6005 | — | 4.9 |
| 5070 Doniphan Dr C El Paso, TX 79932 | (915) 585-6275 | — | 4.9 |
| 8838 Viscount Blvd Ste J El Paso, TX 79925 | (915) 633-6165 | — | 4.9 |
| 9130 Dyer St El Paso, TX 79924 | (915) 751-4820 | — | 4.9 |
| 10705 Gateway Blvd W Ste 103 El Paso, TX 79935 | (915) 591-9890 | — | 4.8 |
| 1830 N Zaragoza Rd #104 El Paso, TX 79936 | (915) 856-9900 | — | 4.8 |
| 3010 Saul Kleinfeld Dr D El Paso, TX 79936 | (915) 855-7733 | — | 4.8 |
| 5620 Dyer St El Paso, TX 79904 | (915) 564-1801 | — | 4.9 |
| 7447 N Mesa St El Paso, TX 79912 | (915) 584-1501 | — | 4.7 |
| 8820 N Loop Dr Ste 100 El Paso, TX 79907 | (915) 860-9119 | — | 4.9 |
| 9411 Alameda Ave I El Paso, TX 79907 | (915) 872-8560 | — | 4.8 |
| 121 N Kenazo Ave Suite C Horizon City, TX 79928 | (915) 852-4661 | — | 5.0 |
| 1491 Lee Trevino Dr F El Paso, TX 79936 | (915) 592-5677 | — | 4.9 |
| 1831 N Zaragoza Rd Ste 117 El Paso, TX 79936 | (915) 857-3199 | — | 4.9 |
| 500 N Zaragoza Rd W El Paso, TX 79907 | (915) 859-6204 | — | 4.9 |
| 6520 N Mesa St El Paso, TX 79912 | (915) 845-6678 | — | 4.9 |
| 9040 Dyer St Suite 103 El Paso, TX 79904 | (915) 751-7511 | — | 5.0 |
| 10005 Alameda Ave Ste S El Paso, TX 79927 | (915) 858-7225 | — | 3.4 |
| 1506 Lee Trevino Dr B3 El Paso, TX 79936 | (915) 590-4054 | — | 4.1 |
| 1700 N Zaragoza Rd #125 El Paso, TX 79936 | (915) 855-2937 | — | 3.7 |
| 4650 Woodrow Bean Transmountain G El Paso, TX 79924 | (915) 757-0337 | — | 4.1 |
| 7420 Gtwy Blvd E El Paso, TX 79915 | (915) 591-9436 | — | 4.7 |
| 7500 N Mesa St #318 El Paso, TX 79912 | (915) 584-5451 | — | 3.4 |
| Canyon Finance 1700 N Zaragoza Rd #118 El Paso, TX 79936 | (915) 857-7603 | — | 4.6 |
| 208 S Stanton St El Paso, TX 79901 | (915) 532-7809 | — | 3.9 |
| 216 E Mills Ave El Paso, TX 79901 | (915) 532-3371 | — | 4.6 |
| 4717 Hondo Pass Dr Ste 3e-3f El Paso, TX 79904 | (915) 759-8869 | — | 4.8 |
| 657 Horizon Blvd Ste H Socorro, TX 79927 | (915) 790-0220 | — | 4.9 |
| Sunbelt Credit 8899 Alameda Ave #116 El Paso, TX 79907 | (915) 860-4566 | — | 4.9 |
| Western Finance 12801 Edgemere Blvd Ste 105 El Paso, TX 79938 | (915) 318-8239 | — | 5.0 |
| Shamrock Finance 1850 Hunter Dr STE 108 El Paso, TX 79915 | (915) 771-9002 | — | 4.9 |
| Shamrock Finance 201 S Americas Ave STE 103 El Paso, TX 79907 | (915) 790-1496 | — | 4.9 |
| Western Finance 4301 Montana Ave STE C & D El Paso, TX 79903 | (915) 562-1061 | — | 4.9 |
| Western Finance 5400 N Mesa St H El Paso, TX 79912 | (915) 581-8370 | — | 4.8 |
| 12210 Montwood Dr., Ste. 112 El Paso, TX 79928 | (915) 857-7895 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 1320 N. Zaragosa Rd., Ste. 121 El Paso, TX 79936 | (915) 858-5712 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 8900 Viscount Blvd, Ste AO El Paso, TX 79925 | (915) 591-7726 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 9008 Dyer St., Ste. F El Paso, TX 79904 | (915) 757-1866 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 206 S Mesa St El Paso, TX 79901 | (915) 533-5483 | — | 4.5 |
| 2709, 120 Horizon Blvd A Socorro, TX 79927 | (915) 860-0036 | — | 5.0 |
| 3388, 424 N Yarbrough Dr B El Paso, TX 79915 | (915) 598-8800 | — | 4.9 |
| 6920 Delta Dr Suite 6 El Paso, TX 79905 | (915) 771-6222 | — | 4.8 |
| 1831 N Zaragoza Rd Ste 104 El Paso, TX 79936 | (915) 229-1366 | — | 4.9 |
| 4860 Woodrow Bean Transmountain Ste. D-403 El Paso, TX 79924 | (915) 990-2171 | — | 4.9 |
| 5000 Doniphan Dr Ste. 107 El Paso, TX 79932 | (915) 213-0355 | — | 4.9 |
| 9530 Viscount Blvd Ste 2R El Paso, TX 79925 | (915) 995-8006 | — | 4.9 |
| 1610 N Zaragoza Rd Ste F1 El Paso, TX 79936 | (915) 308-1655 | — | 4.9 |
| 6045 Montana Ave Ste 300 El Paso, TX 79925 | (915) 213-2340 | — | 4.2 |
| 7122 N Mesa St El Paso, TX 79912 | (915) 273-3355 | — | 4.7 |
| 10750 N Loop Dr Socorro, TX 79927 | (915) 613-5204 | — | 5.0 |
| 5505 Montana Ave Ste A El Paso, TX 79903 | (915) 613-4042 | — | 5.0 |
| 425 E Paisano Dr E El Paso, TX 79901 | (915) 534-4253 | — | 4.9 |
| 700 N Zaragoza Rd V El Paso, TX 79907 | (915) 600-6801 | — | 4.9 |
|
Texas Car Title and Payday Loan Services
1 store in El Paso
texascartitleandpaydayloanservicesinc.com
|
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| 494 N Kenazo Ave Horizon City, TX 79928 | (915) 852-2378 | — | 4.9 |
Pawn shops near El Paso
More about El Paso
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.