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Pawn Shops vs Payday Loans in New Braunfels, TX
6 pawn shops in and around New Braunfels — 4.4 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. New Braunfels ranks #42 of 94 Texas cities with pawn shops by shops per resident.
- Pawn shops
- 6
- Pawn shops per 100k
- 4.4
- Texas: 4.3
- Big-chain shops
- 3
- Payday & loan stores
- 11
- Population
- 136,170
Pawn shops in New Braunfels: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Comal Pawn | 1105 W San Antonio St New Braunfels, TX 78130 | (830) 246-2336 | comalpawnshopnewbraunfelstx.com |
| EZPAWNChain | 485 Landa St New Braunfels, TX 78130 | (830) 643-1055 | ezpawn.com |
| EZPAWNChain | 681 Hwy 46 W Unit A New Braunfels, TX 78130 | (830) 643-0883 | ezpawn.com |
| EZPAWNChain | 801 S I-35 New Braunfels, TX 78130 | (830) 629-9023 | ezpawn.com |
| Freddy's Pawn & Jewelry | 671 S Seguin Ave New Braunfels, TX 78130 | (830) 515-4706 | freddyspawnjewelry.com |
| Pronto Pawn | 231 S Elliot Knox Blvd New Braunfels, TX 78130 | (830) 629-7296 | prontopawnshops.com |
Pawn shops vs payday loan stores in New Braunfels
New Braunfels has 11 payday, installment and title loan stores but only 6 pawn shops.
Pawn shops
6
4.4 per 100k residents
Payday & loan stores
11
8.1 per 100k residents
11 store chains
Biggest loan store chains in New Braunfels: 1st Franklin Financial (1), ACE Cash Express (1), Advance America (1), Cash Store (1), Check 'n Go (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 New Braunfels
- 1.9%
- Pawn cost, share of monthly household income in New Braunfels
- 1.2%
- A $400 emergency equals
- 1.5 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%+ |
New Braunfels at a glance
- Median household income
- $97,032
- Texas: $81,963
- Poverty rate
- 6.1%
- Texas: 13.9%
- Households under $25,000
- 9.1%
- Texas: 15.0%
- A $400 emergency equals
- 1.5 days of income
Payday and installment loan stores in New Braunfels
For comparison: storefront payday, installment and title lenders in New Braunfels with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1671 I 35 N Frontage Rd Ste 309 New Braunfels, TX 78130 | (830) 358-5003 | — | 4.9 |
| 115 I 35 N Frontage Rd Ste 19 New Braunfels, TX 78130 | (830) 606-6037 | — | 4.9 |
| 490 S. State Hwy 46, Ste. 200 New Braunfels, TX 78130 | (830) 643-5924 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 2802 I 35 N Frontage Rd Ste C New Braunfels, TX 78130 | (830) 608-0010 | — | 4.9 |
| 1280 I-35 #200 New Braunfels, TX 78130 | (830) 626-6323 | — | 4.9 |
| 1850 State Hwy 46 W Ste. 103 New Braunfels, TX 78132 | (830) 387-2580 | — | 4.8 |
| 665 S Walnut Ave Ste 107 New Braunfels, TX 78130 | (830) 625-6216 | — | 4.0 |
| 1308 E Common St #209 New Braunfels, TX 78130 | (830) 629-6044 | — | 4.6 |
| 1050 I-35 ste 300 New Braunfels, TX 78130 | (830) 620-6211 | — | 4.9 |
|
Texas Car Title and Payday Loan Services
1 store in New Braunfels
texascartitleandpaydayloanservicesinc.com
|
|||
| 140 TX-46 New Braunfels, TX 78130 | (830) 625-3600 | — | 4.9 |
| 606 S Walnut Ave Ste 500 New Braunfels, TX 78130 | (830) 620-5919 | — | 4.9 |
Pawn shops near New Braunfels
More about New Braunfels
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.