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Pawn Shops vs Payday Loans in Irving, TX
14 pawn shops in and around Irving — 5.5 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. Irving ranks #28 of 94 Texas cities with pawn shops by shops per resident.
- Pawn shops
- 14
- Pawn shops per 100k
- 5.5
- Texas: 4.3
- Big-chain shops
- 6
- Payday & loan stores
- 16
- Population
- 256,798
Pawn shops in Irving: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Cash America PawnChain | 1300 Darr St Irving, TX 75061 | (972) 579-7155 | find.cashamerica.us |
| Cash America PawnChain | 3601 N Belt Line Rd Irving, TX 75062 | (972) 256-3888 | firstcash.com |
| Cash America PawnChain | 931 E Irving Blvd Irving, TX 75060 | (972) 721-9931 | firstcash.com |
| EZPAWNChain | 1231 E Irving Blvd Irving, TX 75060 | (972) 554-7724 | ezpawn.com |
| First Cash PawnChain | 1900 N Story Rd #1940 Irving, TX 75061 | (469) 565-8570 | firstcash.com |
| First Cash PawnChain | 3730 N Belt Line Rd Irving, TX 75038 | (972) 255-1750 | firstcash.com |
| Irving Super Pawn | 580 S Belt Line Rd Irving, TX 75060 | (972) 986-1950 | ebay.com |
| Million Dollar Pawn & Gun | 250 W Airport Fwy Irving, TX 75062 | (972) 438-2274 | milliondollarpawnandgun.com |
| Porter's Army and Navy | 600 E Irving Blvd Irving, TX 75060 | (972) 579-1155 | portersarmynavy.com |
| Premier Plus Pawn | 827 E Irving Blvd Irving, TX 75060 | (972) 438-9442 | premierpluspawn.com |
| Roy's Pawn Shop | 635 E Irving Blvd Irving, TX 75060 | (972) 579-7992 | royspawnshopirving.com |
| Sunbelt Pawn Jewelry & Loan | 305 E Irving Blvd Irving, TX 75060 | (972) 554-1964 | tonyspawnshop.weebly.com |
| Sunbelt Pawn Jewelry & Loan | 735 W Shady Grove Rd Irving, TX 75060 | (972) 253-7296 | sunbeltpawn.com |
| Valu + Pawn | 205 S Rogers Rd Irving, TX 75060 | (972) 254-5626 | firstcash.com |
Pawn shops vs payday loan stores in Irving
Irving has 16 payday, installment and title loan stores but only 14 pawn shops.
Pawn shops
14
5.5 per 100k residents
Payday & loan stores
16
6.2 per 100k residents
10 store chains
Biggest loan store chains in Irving: TitleMax (4), ACE Cash Express (3), Cash Store (2), Check 'n Go (1), Mariner 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 Irving
- 2.3%
- Pawn cost, share of monthly household income in Irving
- 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%+ |
Irving at a glance
- Median household income
- $79,339
- Texas: $81,963
- Poverty rate
- 11.1%
- Texas: 13.9%
- Households under $25,000
- 10.3%
- Texas: 15.0%
- A $400 emergency equals
- 1.8 days of income
Payday and installment loan stores in Irving
For comparison: storefront payday, installment and title lenders in Irving with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 2014 N Britain Rd Irving, TX 75061 | (972) 579-1691 | — | 5.0 |
| 2720 N Belt Line Rd Ste 100 Irving, TX 75062 | (972) 957-3840 | — | 5.0 |
| 3713 N Belt Line Rd Irving, TX 75038 | (972) 252-8726 | — | 4.9 |
| 829 N Belt Line Rd Irving, TX 75061 | (469) 262-3000 | — | 4.9 |
| 1125 W 6th St Irving, TX 75060 | (972) 259-2045 | — | 4.9 |
| 2802 N MacArthur Blvd Irving, TX 75062 | (972) 252-8626 | — | 4.9 |
| 3317 W Walnut Hill Ln Irving, TX 75038 | (972) 659-0019 | — | 4.9 |
| 2100 W Walnut Hill Ln Ste 300 Irving, TX 75038 | (972) 753-0822 | — | 4.2 |
| 4101 W Airport Fwy Irving, TX 75062 | (214) 441-3792 | — | 4.8 |
| 3951 N Belt Line Rd Irving, TX 75038 | (214) 492-0918 | — | 4.9 |
| 7750 N MacArthur Blvd #125 Irving, TX 75063 | (214) 302-8408 | — | 4.9 |
| 7600 N MacArthur Blvd #130 Irving, TX 75063 | (972) 659-9987 | — | 3.3 |
| Inside El Rancho, 3535 N Belt Line Rd Irving, TX 75062 | (817) 756-6558 | — | 4.9 |
| 1928 N Story Rd Irving, TX 75061 | (972) 790-7700 | — | 4.9 |
| 1503 N Story Rd #100 Irving, TX 75061 | (972) 871-2274 | — | 4.9 |
|
Texas Car Title and Payday Loan Services
1 store in Irving
texascartitleandpaydayloanservicesinc.com
|
|||
| 729 W Airport Fwy Irving, TX 75062 | (972) 252-8268 | — | 4.8 |
Pawn shops near Irving
More about Irving
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.