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Pawn Shops vs Payday Loans in Killeen, TX
13 pawn shops in and around Killeen — 8.0 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. Killeen ranks #8 of 94 Texas cities with pawn shops by shops per resident.
- Pawn shops
- 13
- Pawn shops per 100k
- 8.0
- Texas: 4.3
- Big-chain shops
- 3
- Payday & loan stores
- 8
- Population
- 161,998
Pawn shops in Killeen: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| 19th Hole Billiards | 1520 S Fort Hood St Killeen, TX 76542 | (254) 526-4989 | texas-billiards.com |
| Action Pawn | 1107 S Fort Hood St Killeen, TX 76542 | (254) 634-4488 | firstcash.com |
| Action Pawn | 715 W Rancier Ave Killeen, TX 76541 | (254) 634-8686 | — |
| Action Pawn #5 | 3200 E Rancier Ave Killeen, TX 76543 | (254) 690-2700 | firstcash.com |
| Cash America PawnChain | 1518 S Fort Hood St Killeen, TX 76542 | (254) 526-6555 | cashamerica.com |
| Cash Pawn | 1303 S Fort Hood St Killeen, TX 76542 | (254) 634-5224 | ezpawn.com |
| Cash Pawn | 4213 S Clear Creek Rd Killeen, TX 76549 | (254) 432-4935 | ezpawn.com |
| EZPAWNChain | 2500 S W S Young Dr Killeen, TX 76542 | (254) 526-3282 | ezpawn.com |
| First Cash PawnChain | 1502 S Fort Hood St Killeen, TX 76542 | (254) 616-1604 | firstcash.com |
| Handy Super Pawn & Jewelry | 1005 N 8th St Killeen, TX 76541 | (254) 634-3415 | handysuperpawn.com |
| Lazar's Diamonds | 1005 N 8th St Killeen, TX 76541 | (254) 702-1410 | lazarsdiamonds.jewelershowcase.com |
| Top Loan | 3514 E Rancier Ave Killeen, TX 76543 | (254) 699-2950 | pawnshopkilleen.com |
| Top Loan 2 | 1106 W Stan Schlueter Loop Ste 101 Killeen, TX 76549 | (254) 634-4700 | pawnshopkilleen.com |
Pawn shops vs payday loan stores in Killeen
Killeen has 13 pawn shops and 8 payday, installment and title loan stores.
Pawn shops
13
8.0 per 100k residents
Payday & loan stores
8
4.9 per 100k residents
6 store chains
Biggest loan store chains in Killeen: ACE Cash Express (3), Advance America (1), Cash Store (1), OneMain Financial (1), Security 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 Killeen
- 3.0%
- Pawn cost, share of monthly household income in Killeen
- 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%+ |
Killeen at a glance
- Median household income
- $60,656
- Texas: $81,963
- Poverty rate
- 16.9%
- Texas: 13.9%
- Households under $25,000
- 17.5%
- Texas: 15.0%
- A $400 emergency equals
- 2.4 days of income
Payday and installment loan stores in Killeen
For comparison: storefront payday, installment and title lenders in Killeen with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1040 S Fort Hood St Killeen, TX 76541 | (254) 526-2621 | — | 4.6 |
| 205 W Rancier Ave Ste K Killeen, TX 76541 | (254) 526-3444 | — | 4.9 |
| 3301 E Rancier Ave #103d Killeen, TX 76543 | (254) 953-7805 | — | 4.7 |
| 2600 Trimmier Rd., Suite 400 Killeen, TX 76542 | (254) 634-7720 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 1200 Lowes Blvd Ste 104 Killeen, TX 76542 | (254) 616-5885 | — | 4.9 |
| 3213 E Central Texas Expy #400 Killeen, TX 76543 | (254) 634-0382 | — | 4.2 |
| 2809 W Stan Schlueter Loop #102 Killeen, TX 76549 | (254) 526-8528 | — | 4.9 |
| Western Finance 2006 E Rancier Ave Ste 800 Killeen, TX 76541 | (254) 634-0017 | — | 4.9 |
Pawn shops near Killeen
More about Killeen
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.