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Pawn Shops vs Payday Loans in Plano, TX
4 pawn shops in and around Plano — 1.3 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. Plano ranks #87 of 94 Texas cities with pawn shops by shops per resident.
- Pawn shops
- 4
- Pawn shops per 100k
- 1.3
- Texas: 4.3
- Big-chain shops
- 0
- Payday & loan stores
- 16
- Population
- 308,628
Pawn shops in Plano: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Plano Pawn Shop | 1202 K Ave Plano, TX 75074 | (972) 424-6911 | planopawnshop.net |
| Shoot and Whittle Pawn | 2517 K Ave Plano, TX 75074 | (972) 881-2116 | shootandwhittlepawn.com |
| Texas Jewelry and Loan | 1400 G Ave #200 Plano, TX 75074 | (972) 424-9207 | texasjewelryandloan.com |
| Top Cash Pawn | 2524 14th St Plano, TX 75074 | (972) 424-3044 | topcashpawnandjewelry.com |
Pawn shops vs payday loan stores in Plano
Plano has 16 payday, installment and title loan stores but only 4 pawn shops.
Pawn shops
4
1.3 per 100k residents
Payday & loan stores
16
5.2 per 100k residents
9 store chains
Biggest loan store chains in Plano: TitleMax (6), Cash Store (2), loanDepot (2), ACE Cash Express (1), Lendmark Financial Services (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 Plano
- 1.6%
- Pawn cost, share of monthly household income in Plano
- 1.1%
- A $400 emergency equals
- 1.3 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%+ |
Plano at a glance
- Median household income
- $113,836
- Texas: $81,963
- Poverty rate
- 6.8%
- Texas: 13.9%
- Households under $25,000
- 7.6%
- Texas: 15.0%
- A $400 emergency equals
- 1.3 days of income
Payday and installment loan stores in Plano
For comparison: storefront payday, installment and title lenders in Plano with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1921 W 15th St Ste 400 Plano, TX 75075 | (972) 295-7272 | — | 5.0 |
| 213 Coit Rd Plano, TX 75075 | (972) 295-7324 | — | 5.0 |
| 2401 Jupiter Rd Plano, TX 75074 | (972) 535-1546 | — | 5.0 |
| 2500 E Plano Pkwy Plano, TX 75074 | (972) 295-7363 | — | 5.0 |
| 4700 State Hwy 121 Plano, TX 75024 | (469) 888-5990 | — | 4.9 |
| 901 W Parker Rd Ste 117 Plano, TX 75023 | (972) 535-1543 | — | 4.9 |
| 2100 Dallas Pkwy Ste 145 Plano, TX 75093 | (972) 403-7245 | — | 4.8 |
| 2498 K Ave Plano, TX 75074 | (972) 423-0672 | — | 4.9 |
| 4965 Preston Park Blvd #800 Plano, TX 75093 | (469) 854-7250 | — | 4.5 |
| 5465 Legacy Dr Ste 400 Plano, TX 75024 | (888) 337-6888 | — | 4.2 |
| 1500 N Central Expy Plano, TX 75074 | (972) 423-7889 | — | 4.8 |
| 3131 Custer Rd Suite 155 Plano, TX 75075 | (469) 596-7900 | — | 4.1 |
| 3115 W Parker Rd Ste. 350 Plano, TX 75023 | (972) 372-0638 | — | 4.7 |
| 1301 Custer Rd Ste 250 Plano, TX 75075 | (214) 473-8128 | — | 4.0 |
| 1120 E Parker Rd Ste 200 Plano, TX 75074 | (972) 865-6144 | — | 4.9 |
| 1110 E Parker Rd Ste 105 Plano, TX 75074 | (800) 786-5626 | — | 5.0 |
Pawn shops near Plano
More about Plano
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.