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Pawn Shops vs Payday Loans in Laredo, TX
25 pawn shops in and around Laredo — 9.4 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. Laredo ranks #3 of 94 Texas cities with pawn shops by shops per resident.
- Pawn shops
- 25
- Pawn shops per 100k
- 9.4
- Texas: 4.3
- Big-chain shops
- 14
- Payday & loan stores
- 31
- Population
- 266,762
Pawn shops in Laredo: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Cash America PawnChain | 1720 Guadalupe St Laredo, TX 78043 | (956) 712-9980 | firstcash.com |
| Cash America PawnChain | 419 E Saunders St Laredo, TX 78041 | (956) 727-0699 | find.cashamerica.us |
| El Bufalo Pawn | 1102 Zaragoza Street Laredo, TX 78040 | (956) 722-1102 | ezpawn.com |
| El Bufalo Pawn | 2102 South Meadow Street Laredo, TX 78046 | (956) 728-7296 | ezpawn.com |
| El Bufalo Pawn | 220 West Calton Road Laredo, TX 78041 | (956) 516-7145 | ezpawn.com |
| El Bufalo Pawn | 3401 San Bernardo Ave Laredo, TX 78040 | (956) 727-7296 | elbufalopawn.com |
| El Bufalo Pawn | 3410 Clark Blvd Laredo, TX 78043 | (956) 723-7296 | elbufalopawn.com |
| El Bufalo Pawn | 4001 McPherson Road Laredo, TX 78041 | (956) 725-7296 | ezpawn.com |
| El Bufalo Pawn | 4301A Jaime Zapata Memorial Highway Laredo, TX 78043 | (956) 753-7296 | ezpawn.com |
| El Bufalo Pawn | 4515 U.S. 83 Laredo, TX 78046 | (956) 722-7296 | ezpawn.com |
| El Bufalo Pawn | 8002 San Gabriel Drive Laredo, TX 78045 | (956) 722-4500 | ezpawn.com |
| El Bufalo Pawn | 8619 McPherson Rd Laredo, TX 78045 | (956) 791-7296 | ezpawn.com |
| El Bufalo Pawn Shop | 202 S Meadow Ave Laredo, TX 78040 | (956) 728-7296 | elbufalopawn.com |
| EZPAWNChain | 10114 Mines Rd Laredo, TX 78045 | (956) 725-0315 | ezpawn.com |
| EZPAWNChain | 1012 Santa Ursula Ave Laredo, TX 78040 | (956) 725-5233 | ezpawn.com |
| EZPAWNChain | 1019 Farragut St Laredo, TX 78040 | (956) 728-7235 | ezpawn.com |
| EZPAWNChain | 1802 Guadalupe St Laredo, TX 78043 | (956) 791-2288 | ezpawn.com |
| EZPAWNChain | 208 Bob Bullock Loop Laredo, TX 78043 | (956) 791-8983 | ezpawn.com |
| EZPAWNChain | 2301 S Zapata Hwy Laredo, TX 78046 | (956) 724-2786 | ezpawn.com |
| EZPAWNChain | 2601 E Saunders St Ste. 1 Laredo, TX 78041 | (956) 723-5229 | ezpawn.com |
| EZPAWNChain | 2611 Jaime Zapata Memorial Hwy Laredo, TX 78043 | (956) 729-9100 | ezpawn.com |
| EZPAWNChain | 301 Clark Blvd Laredo, TX 78040 | (956) 729-9140 | ezpawn.com |
| EZPAWNChain | 4519 San Bernardo Ave #1A Laredo, TX 78041 | (956) 725-1510 | ezpawn.com |
| EZPAWNChain | 5501 McPherson Rd Laredo, TX 78041 | (956) 717-8686 | ezpawn.com |
| First Cash PawnChain | 1501 San Bernardo Ave #B Laredo, TX 78040 | (956) 791-8461 | firstcash.com |
Pawn shops vs payday loan stores in Laredo
Laredo has 31 payday, installment and title loan stores but only 25 pawn shops.
Pawn shops
25
9.4 per 100k residents
Payday & loan stores
31
11.6 per 100k residents
13 store chains
Biggest loan store chains in Laredo: ACE Cash Express (6), Security Finance (5), Sun Loan Company (4), TitleMax (3), Check 'n Go (2).
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 Laredo
- 2.9%
- Pawn cost, share of monthly household income in Laredo
- 1.9%
- 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%+ |
Laredo at a glance
- Median household income
- $61,613
- Texas: $81,963
- Poverty rate
- 21.1%
- 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 Laredo
For comparison: storefront payday, installment and title lenders in Laredo with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1102 Marshall St #1 Laredo, TX 78045 | (956) 516-7433 | — | 4.9 |
| 2308 Guadalupe St Laredo, TX 78043 | (956) 791-2274 | — | 5.0 |
| 2905 S Zapata Hwy Ste 104 Laredo, TX 78046 | (956) 717-3677 | — | 5.0 |
| 3502 San Bernardo Ave Laredo, TX 78041 | (956) 791-1500 | — | 5.0 |
| 4311 Clark Blvd j Laredo, TX 78043 | (956) 795-4733 | — | 5.0 |
| 500 W Calton Rd Ste 101 Laredo, TX 78041 | (956) 728-1160 | — | 5.0 |
| 1920 San Bernardo Ave Ste 108 Laredo, TX 78040 | (956) 753-3555 | — | 4.9 |
| 2100 Corpus Christi St Ste 13 Laredo, TX 78043 | (956) 722-3862 | — | 5.0 |
| 2108 Chihuahua St #4 Laredo, TX 78043 | (956) 723-6431 | — | 4.9 |
| 3210 Jaime Zapata Memorial Hwy Ste A4 Laredo, TX 78043 | (956) 791-1452 | — | 4.4 |
| 5702 McPherson Rd Ste 12 Laredo, TX 78041 | (956) 723-4771 | — | 5.0 |
| 1411 Hidalgo St Laredo, TX 78040 | (956) 722-3641 | — | 5.0 |
| 2100 Corpus Christi St #10 Laredo, TX 78043 | (956) 729-8004 | — | 5.0 |
| 4160 S Zapata Hwy Building B Ste 3 Laredo, TX 78046 | (956) 717-8565 | — | 5.0 |
| 616 W Calton Rd Ste 1 Laredo, TX 78041 | (956) 727-8955 | — | 5.0 |
| 1504 Guadalupe St Laredo, TX 78040 | (956) 253-0035 | — | 5.0 |
| 2201 Chestnut St Laredo, TX 78046 | (956) 253-1380 | — | 5.0 |
| 4316 San Bernardo Ave Laredo, TX 78041 | (956) 728-7337 | — | 5.0 |
| 2214 Guadalupe St Laredo, TX 78043 | (956) 718-3173 | — | 5.0 |
| 6262 McPherson Rd Ste 108 Laredo, TX 78041 | (956) 722-1127 | — | 5.0 |
| 1310 E Del Mar Blvd #2b Laredo, TX 78041 | (956) 728-0660 | — | 4.5 |
| 4311 Clark Blvd H Laredo, TX 78043 | (956) 723-0731 | — | 4.3 |
| 2119 E Saunders St Laredo, TX 78041 | (956) 722-3175 | — | 4.9 |
| 7120 San Bernardo Ave Laredo, TX 78041 | (956) 722-3199 | — | 5.0 |
| Western Finance 2100 Corpus Christi St #12 Laredo, TX 78043 | (956) 722-8677 | — | 5.0 |
| Shamrock Finance 4501 McPherson Rd #12 Laredo, TX 78041 | (956) 729-1355 | — | 4.9 |
| 502 West Calton Rd, Ste.204 Laredo, TX 78041 | (956) 791-4222 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 2108 Chihuahua St #6 Laredo, TX 78040 | (956) 728-7283 | — | 4.9 |
| 2324 Bob Bullock Lp Ste 120 Laredo, TX 78043 | (956) 704-0661 | — | 4.8 |
| 2419 E Saunders St Ste 102 Laredo, TX 78043 | (956) 752-3111 | — | 4.9 |
|
Texas Car Title and Payday Loan Services
1 store in Laredo
texascartitleandpaydayloanservicesinc.com
|
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| 4301 McPherson Rd Laredo, TX 78041 | (956) 726-2591 | — | 4.8 |
Pawn shops near Laredo
More about Laredo
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.