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 Round Rock, TX
4 pawn shops in and around Round Rock — 2.2 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. Round Rock ranks #71 of 94 Texas cities with pawn shops by shops per resident.
- Pawn shops
- 4
- Pawn shops per 100k
- 2.2
- Texas: 4.3
- Big-chain shops
- 2
- Payday & loan stores
- 12
- Population
- 184,890
Pawn shops in Round Rock: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Action Pawn | 1711 S Interstate 35 Round Rock, TX 78664 | (512) 244-6599 | actionpawnshops.com |
| First Cash PawnChain | 1051 I-35 Round Rock, TX 78664 | (512) 218-3982 | firstcash.com |
| First Cash PawnChain | 907 N Interstate 35 Round Rock, TX 78664 | (512) 248-0827 | firstcash.com |
| National Pawn & Jewelry | 1350 E Palm Valley Blvd Round Rock, TX 78664 | (512) 388-7296 | nationalpawnandjewelry.com |
Pawn shops vs payday loan stores in Round Rock
Round Rock has 12 payday, installment and title loan stores but only 4 pawn shops.
Pawn shops
4
2.2 per 100k residents
Payday & loan stores
12
6.5 per 100k residents
12 store chains
Biggest loan store chains in Round Rock: ACE Cash Express (1), B&F Finance (1), Cash Store (1), Check 'n Go (1), Mariner Finance (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 Round Rock
- 1.6%
- Pawn cost, share of monthly household income in Round Rock
- 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%+ |
Round Rock at a glance
- Median household income
- $112,698
- Texas: $81,963
- Poverty rate
- 6.8%
- Texas: 13.9%
- Households under $25,000
- 7.1%
- Texas: 15.0%
- A $400 emergency equals
- 1.3 days of income
Payday and installment loan stores in Round Rock
For comparison: storefront payday, installment and title lenders in Round Rock with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 2541 I-35 #300 Round Rock, TX 78664 | (512) 248-8313 | — | 4.8 |
| 1701 S Mays St Ste I Round Rock, TX 78664 | (512) 388-1147 | — | 4.4 |
| 603 Louis Henna Blvd Ste B170 Round Rock, TX 78664 | (512) 244-0024 | — | 4.6 |
| 206 W Main St Suite#104 Round Rock, TX 78664 | (512) 238-1904 | — | 4.9 |
| 115 Sundance Pkwy Ste. 310 Round Rock, TX 78681 | (512) 354-1869 | — | 4.4 |
| 1401 N Interstate Hwy 35 Unit 100 Round Rock, TX 78664 | (512) 238-7194 | — | 3.6 |
| 1009 S Mays St Ste D Round Rock, TX 78664 | (512) 238-1110 | — | 4.2 |
| 907 N Interstate Hwy 35 B Round Rock, TX 78664 | (512) 244-3038 | — | 4.9 |
| 1736 N Mays St Round Rock, TX 78664 | (512) 733-9617 | — | 4.9 |
|
Texas Car Title and Payday Loan Services
1 store in Round Rock
texascartitleandpaydayloanservicesinc.com
|
|||
| 110 I 35 N Frontage Rd Round Rock, TX 78681 | (512) 646-0816 | — | 5.0 |
| 901 N Interstate Hwy 35 C Round Rock, TX 78664 | (512) 605-6040 | — | 5.0 |
| Western Finance 1205 Round Rock Ave #127 Round Rock, TX 78681 | (512) 238-1006 | — | 4.7 |
Pawn shops near Round Rock
More about Round Rock
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.