Compare legal limits, fees and the true cost of small loans in your state before you talk to any lender. Compare legal limits, fees and the true cost of small loans in your state.
Pawn Shops vs Payday Loans in Pasadena, TX
18 pawn shops in and around Pasadena — 12.4 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. Pasadena ranks #1 of 94 Texas cities with pawn shops by shops per resident.
- Pawn shops
- 18
- Pawn shops per 100k
- 12.4
- Texas: 4.3
- Big-chain shops
- 7
- Payday & loan stores
- 14
- Population
- 145,290
Pawn shops in Pasadena: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| A-1 All American Pawn Shop | 3121 Spencer Hwy Pasadena, TX 77504 | (713) 946-2274 | youtube.com |
| Action Pawn | 2123 Southmore Ave Pasadena, TX 77502 | (713) 477-8639 | actionpawnshops.com |
| Big Bucks Gun & Pawn | 3520 Fairmont Pkwy Pasadena, TX 77504 | (832) 243-5993 | — |
| Cash America PawnChain | 1337 Southmore Ave Pasadena, TX 77502 | (713) 472-1105 | find.cashamerica.us |
| Cash America PawnChain | 2835 Shaver St Pasadena, TX 77502 | (713) 947-0900 | firstcash.com |
| Cash America PawnChain | 4651 Spencer Hwy Pasadena, TX 77504 | (713) 375-2296 | firstcash.com |
| Cash America PawnChain | 507 Pasadena Blvd Pasadena, TX 77506 | (713) 472-0134 | find.cashamerica.us |
| Circle Pawn | 2125 S Richey St Pasadena, TX 77502 | (713) 534-7296 | circlepawn.net |
| Circle Pawn | 2801 Southmore Ave Pasadena, TX 77503 | (713) 475-1112 | ezpawn.com |
| Easy Cash Pawn and Jewelry | 7118 Spencer Hwy Pasadena, TX 77505 | (281) 478-4550 | ezpawn.com |
| EZPAWNChain | 1710 Shaver St Pasadena, TX 77502 | (713) 477-8211 | ezpawn.com |
| EZPAWNChain | 3809 Shaver St #145 Pasadena, TX 77504 | (713) 944-0971 | ezpawn.com |
| Fiesta Pawn | 901 State Hwy 225 (901 West Pasadena Freeway #C) Pasadena, TX 77506 | — | — |
| Fiesta Pawn Shop | 901 Pasadena Fwy # C Pasadena, TX 77506 | (713) 473-7296 | firstcash.com |
| First Cash PawnChain | 3940 Red Bluff Pasadena, TX 77503 | — | — |
| Money Mart Pawn & Jewelry | 3940 Red Bluff Rd Pasadena, TX 77503 | (281) 724-5166 | moneymartpawn.com |
| Quik Pawn | 3910 Fairmont Pkwy Pasadena, TX 77504 | (281) 998-7845 | quikpawn.net |
| Valu + Pawn | 6323 Spencer Hwy Pasadena, TX 77505 | (281) 991-6130 | firstcash.com |
Pawn shops vs payday loan stores in Pasadena
Pasadena has 18 pawn shops and 14 payday, installment and title loan stores.
Pawn shops
18
12.4 per 100k residents
Payday & loan stores
14
9.6 per 100k residents
10 store chains
Biggest loan store chains in Pasadena: TitleMax (4), Texas Car Title and Payday Loan Services (2), 1st Franklin Financial (1), 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 Pasadena
- 2.9%
- Pawn cost, share of monthly household income in Pasadena
- 1.9%
- A $400 emergency equals
- 2.3 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%+ |
Pasadena at a glance
- Median household income
- $62,665
- Texas: $81,963
- Poverty rate
- 19.7%
- Texas: 13.9%
- Households under $25,000
- 17.9%
- Texas: 15.0%
- A $400 emergency equals
- 2.3 days of income
Payday and installment loan stores in Pasadena
For comparison: storefront payday, installment and title lenders in Pasadena with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 113 W Southmore Ave Pasadena, TX 77502 | (713) 477-1624 | — | 5.0 |
| 2631 Red Bluff Rd Pasadena, TX 77506 | (713) 477-1212 | — | 5.0 |
| 3207 Spencer Hwy Pasadena, TX 77504 | (713) 946-2824 | — | 5.0 |
| 6902 Spencer Hwy Pasadena, TX 77505 | (281) 478-4552 | — | 5.0 |
|
Texas Car Title and Payday Loan Services
2 stores in Pasadena
texascartitleandpaydayloanservicesinc.com
|
|||
| 1801 S Richey St Pasadena, TX 77502 | (713) 534-0403 | — | 4.9 |
| 2710 Red Bluff Rd Pasadena, TX 77506 | (713) 475-2513 | — | 4.9 |
| 320 Southmore Ave #314 Pasadena, TX 77502 | (713) 472-0864 | — | 5.0 |
| 1348 Southmore Ave Pasadena, TX 77502 | (713) 473-6663 | — | 4.9 |
| 140 E. Southmore Ave. Pasadena, TX 77502 | (713) 589-1131 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 3515 Spencer Hwy Ste A Pasadena, TX 77504 | (713) 910-3770 | — | 4.9 |
| 817 Southmore Ave Suite 100 G Pasadena, TX 77502 | (713) 534-0004 | — | 5.0 |
| 1100 Pasadena Blvd #100 Pasadena, TX 77506 | (713) 472-5626 | — | 4.9 |
| 1221 Main St Pasadena, TX 77506 | (713) 473-3115 | — | 4.9 |
| Western Finance 1717 Shaver St Pasadena, TX 77502 | (713) 477-0912 | — | 4.9 |
Pawn shops near Pasadena
More about Pasadena
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.