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Pawn Shops vs Payday Loans in Odessa, TX
11 pawn shops in and around Odessa — 6.6 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. Odessa ranks #16 of 94 Texas cities with pawn shops by shops per resident.
- Pawn shops
- 11
- Pawn shops per 100k
- 6.6
- Texas: 4.3
- Big-chain shops
- 7
- Payday & loan stores
- 14
- Population
- 166,904
Pawn shops in Odessa: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Big Tex Pawn Shop | 2323 N County Rd W Odessa, TX 79763 | (432) 332-9653 | bigtexpawn.com |
| Cash America PawnChain | 1000 N County Rd W Odessa, TX 79763 | (432) 332-5370 | cashamerica.com |
| Cash America PawnChain | 1012 N Grant Ave Odessa, TX 79761 | (432) 580-7296 | firstcash.com |
| Cash America PawnChain | 2227 N. County Rd. Odessa, TX 79763 | — | — |
| Cash America PawnChain | 2819 Andrews Hwy Odessa, TX 79762 | (432) 337-2921 | find.cashamerica.us |
| EZPAWNChain | 1345 W University Blvd Odessa, TX 79764 | (432) 337-0035 | ezpawn.com |
| EZPAWNChain | 917 N Grandview Ave Odessa, TX 79761 | (432) 580-0266 | ezpawn.com |
| First Cash PawnChain | 2227 N County Rd W Odessa, TX 79763 | (432) 332-4943 | firstcash.com |
| H&w Pawn Shop Llc | 1606 E 8th St Odessa, TX 79761 | (432) 332-0745 | — |
| Permian Pawn & Jewelry | 2816 Andrews Hwy Odessa, TX 79762 | (432) 332-1550 | — |
| Permian Pawn and Jewelry | 1229 E 8th St Odessa, TX 79761 | (432) 332-6152 | — |
Pawn shops vs payday loan stores in Odessa
Odessa has 14 payday, installment and title loan stores but only 11 pawn shops.
Pawn shops
11
6.6 per 100k residents
Payday & loan stores
14
8.4 per 100k residents
11 store chains
Biggest loan store chains in Odessa: Security Finance (2), Texas Car Title and Payday Loan Services (2), TitleMax (2), ACE Cash Express (1), Advance America (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 Odessa
- 2.5%
- Pawn cost, share of monthly household income in Odessa
- 1.7%
- A $400 emergency equals
- 2.0 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%+ |
Odessa at a glance
- Median household income
- $72,637
- Texas: $81,963
- Poverty rate
- 15.5%
- Texas: 13.9%
- Households under $25,000
- 16.4%
- Texas: 15.0%
- A $400 emergency equals
- 2.0 days of income
Payday and installment loan stores in Odessa
For comparison: storefront payday, installment and title lenders in Odessa with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 2904 Andrews Hwy Odessa, TX 79762 | (432) 367-7145 | — | 5.0 |
| 308 W University Blvd Unit A Odessa, TX 79764 | (432) 334-0500 | — | 5.0 |
|
Texas Car Title and Payday Loan Services
2 stores in Odessa
texascartitleandpaydayloanservicesinc.com
|
|||
| 4113 Andrews Hwy Odessa, TX 79762 | (432) 363-8200 | — | 4.9 |
| 922 N Grant Ave Odessa, TX 79761 | (432) 333-5800 | — | 4.8 |
| 1100 E 42nd St Odessa, TX 79762 | (432) 255-8472 | — | 5.0 |
| 1101 E 8th St Odessa, TX 79761 | (432) 289-6497 | — | 5.0 |
| 1305 E 8th St Odessa, TX 79761 | (432) 617-0044 | — | 4.7 |
| 1400 N. County Rd. West Odessa, TX 79763 | (432) 332-5625 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 1522 E 8th St Odessa, TX 79761 | (432) 272-3994 | — | 3.2 |
| 3823 E 42nd St Odessa, TX 79762 | (432) 363-1808 | — | 5.0 |
| 6141 TX-191 Suite 18C Odessa, TX 79762 | (432) 362-3848 | — | 4.4 |
| 4031 E 42nd St A Odessa, TX 79762 | (432) 368-7954 | — | 3.8 |
| 1432 E 8th St Odessa, TX 79761 | (432) 337-0561 | — | 4.9 |
| Western Finance 2805 Andrews Hwy Odessa, TX 79762 | (432) 334-0530 | — | 4.9 |
Pawn shops near Odessa
More about Odessa
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.