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 Garland, TX
9 pawn shops in and around Garland — 3.7 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. Garland ranks #52 of 94 Texas cities with pawn shops by shops per resident.
- Pawn shops
- 9
- Pawn shops per 100k
- 3.7
- Texas: 4.3
- Big-chain shops
- 4
- Payday & loan stores
- 6
- Population
- 244,806
Pawn shops in Garland: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Cash America PawnChain | 1318 W Centerville Rd Garland, TX 75041 | (972) 270-8117 | firstcash.com |
| First Cash PawnChain | 3121 S 1st St Garland, TX 75041 | (972) 278-8910 | firstcash.com |
| First Cash PawnChain | 3209 Forest Ln Ste A Garland, TX 75042 | (972) 272-2766 | firstcash.com |
| First Cash PawnChain | 4025 Broadway Blvd Garland, TX 75043 | (972) 303-3190 | firstcash.com |
| Pawn Superstore | 484 W Interstate 30 Garland, TX 75043 | (972) 203-2020 | pawnsuperstore.com |
| Premier Plus Pawn | 2029 S Garland Ave Garland, TX 75041 | (469) 367-0292 | premierpluspawn.com |
| Top Cash Pawn - Garland Tx | 1106 Lavon Dr Garland, TX 75040 | (972) 276-0228 | topcashpawnandjewelry.com |
| Uncle Dan's Pawn Shop | 2930 Dairy Rd Garland, TX 75041 | (972) 271-6200 | uncledanspawnshops.com |
| Valu + Pawn | 3601 W Walnut St Garland, TX 75042 | (972) 272-5476 | firstcash.com |
Pawn shops vs payday loan stores in Garland
Garland has 9 pawn shops and 6 payday, installment and title loan stores.
Pawn shops
9
3.7 per 100k residents
Payday & loan stores
6
2.5 per 100k residents
6 store chains
Biggest loan store chains in Garland: ACE Cash Express (1), Advance America (1), Check 'n Go (1), Lendmark Financial Services (1), Oportun (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 Garland
- 2.4%
- Pawn cost, share of monthly household income in Garland
- 1.6%
- A $400 emergency equals
- 1.9 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%+ |
Garland at a glance
- Median household income
- $74,928
- Texas: $81,963
- Poverty rate
- 12.3%
- Texas: 13.9%
- Households under $25,000
- 11.1%
- Texas: 15.0%
- A $400 emergency equals
- 1.9 days of income
Payday and installment loan stores in Garland
For comparison: storefront payday, installment and title lenders in Garland with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 5606 Broadway Blvd Garland, TX 75043 | (972) 240-1366 | — | 4.9 |
| 447 N. Garland Ave. Garland, TX 75040 | (972) 494-2705 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 5335 Broadway Blvd #203 Garland, TX 75043 | (972) 240-6400 | — | 4.9 |
| 1213 Northwest Hwy Garland, TX 75041 | (972) 805-1776 | — | 4.1 |
| Inside El Rancho, 3460 W Walnut St Garland, TX 75042 | (469) 804-0590 | — | 4.9 |
| 3422 W Walnut St Garland, TX 75042 | (972) 276-4400 | — | 4.8 |
Pawn shops near Garland
More about Garland
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.