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 San Angelo, TX
7 pawn shops in and around San Angelo — 6.2 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. San Angelo ranks #19 of 94 Texas cities with pawn shops by shops per resident.
- Pawn shops
- 7
- Pawn shops per 100k
- 6.2
- Texas: 4.3
- Big-chain shops
- 2
- Payday & loan stores
- 15
- Population
- 113,387
Pawn shops in San Angelo: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Action Pawn | 2105 Bryant Blvd San Angelo, TX 76903 | (325) 653-3419 | actionpawnshops.com |
| Action Pawn N Bryant | 2113 N Bryant Blvd San Angelo, TX 76903 | (325) 659-1220 | actionpawnshops.com |
| Cash Pawn (4244 Sherwood Way, San Angelo) | 4244 Sherwood Way San Angelo, TX 76901 | (325) 944-3500 | ezpawn.com |
| EZPAWNChain | 2018 S Bryant Blvd San Angelo, TX 76903 | (325) 658-6444 | ezpawn.com |
| EZPAWNChain | 3101 Sherwood Way San Angelo, TX 76901 | (325) 942-8789 | ezpawn.com |
| Lynda's Pawn Shop | 2814 Sherwood Way San Angelo, TX 76901 | (325) 947-0575 | lynda-s-pawn-shop.hub.biz |
| Wild Bill's Pawn | 1315 Martin Luther King Blvd San Angelo, TX 76903 | (325) 658-7066 | wildbillspawnshops.com |
Pawn shops vs payday loan stores in San Angelo
San Angelo has 15 payday, installment and title loan stores but only 7 pawn shops.
Pawn shops
7
6.2 per 100k residents
Payday & loan stores
15
13.2 per 100k residents
10 store chains
Biggest loan store chains in San Angelo: Cash Store (3), ACE Cash Express (2), Security Finance (2), Western Shamrock Finance (2), 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 San Angelo
- 2.7%
- Pawn cost, share of monthly household income in San Angelo
- 1.8%
- A $400 emergency equals
- 2.2 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%+ |
San Angelo at a glance
- Median household income
- $67,211
- Texas: $81,963
- Poverty rate
- 11.7%
- Texas: 13.9%
- Households under $25,000
- 16.7%
- Texas: 15.0%
- A $400 emergency equals
- 2.2 days of income
Payday and installment loan stores in San Angelo
For comparison: storefront payday, installment and title lenders in San Angelo with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 202 N Koenigheim St Ste B San Angelo, TX 76903 | (325) 486-9484 | — | 5.0 |
| 3204 Sherwood Way Ste B San Angelo, TX 76901 | (325) 223-2520 | — | 5.0 |
| 3351 Knickerbocker Rd San Angelo, TX 76904 | (325) 949-3849 | — | 4.6 |
| 2202 N Chadbourne St San Angelo, TX 76903 | (325) 657-0610 | — | 4.8 |
| 3337 Sherwood Way San Angelo, TX 76901 | (325) 944-3504 | — | 4.4 |
| 208 S Irving St San Angelo, TX 76903 | (325) 658-5858 | — | 4.5 |
| 3810 Sherwood Way San Angelo, TX 76901 | (325) 944-8694 | — | 4.1 |
| Western Finance 2401 Sherwood Way San Angelo, TX 76901 | (325) 949-3435 | — | 5.0 |
| 801 S Abe St # 2-A San Angelo, TX 76903 | (325) 653-6814 | — | 2.5 |
| 4548 Sherwood Way San Angelo, TX 76901 | (325) 949-1472 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 3224 Sherwood Way San Angelo, TX 76901 | (325) 224-3283 | — | 3.9 |
| 3732 Sherwood Way San Angelo, TX 76901 | (325) 947-2377 | — | 4.1 |
| 2030 W Harris Ave San Angelo, TX 76901 | (325) 653-7100 | — | 4.9 |
|
Texas Car Title and Payday Loan Services
1 store in San Angelo
texascartitleandpaydayloanservicesinc.com
|
|||
| 2406 Sherwood Way San Angelo, TX 76901 | (325) 224-3000 | — | 4.9 |
| 1718 S Bryant Blvd San Angelo, TX 76903 | (325) 655-7809 | — | 5.0 |
Pawn shops near San Angelo
More about San Angelo
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.