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Pawn Shops vs Payday Loans in Spring, TX
11 pawn shops in and around Spring — 2.6 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. Spring ranks #65 of 94 Texas cities with pawn shops by shops per resident.
- Pawn shops
- 11
- Pawn shops per 100k
- 2.6
- Texas: 4.3
- Big-chain shops
- 3
- Payday & loan stores
- 9
- Population
- 424,945
Pawn shops in Spring: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| All Pawn | 25907 Interstate 45 Spring, TX 77380 | (281) 363-2110 | allpawn.com |
| Cash America PawnChain | 1711 Spring Cypress Rd Spring, TX 77388 | (281) 350-0585 | firstcash.com |
| EZPAWNChain | 319 Rayford Rd Spring, TX 77386 | (281) 363-0117 | ezpawn.com |
| EZPAWNChain | 5653 Treaschwig Rd Spring, TX 77373 | (281) 443-0500 | ezpawn.com |
| Jet Pawn 2920 | 6135 Farm to Market 2920 Ste 400 Spring, TX 77379 | (832) 717-7296 | jetpawn2920.com |
| Klein Jewelry & Loan | 16150 Stuebner Airline Rd F Spring, TX 77379 | (281) 376-2324 | kleinpawn.com |
| Northwest Pawn and Jewelry | 18123 Kuykendahl Rd Spring, TX 77379 | (281) 370-7296 | northwestpawn2.com |
| Sunbelt Pawn Jewelry and Loan #4 | 8605 Louetta Rd Spring, TX 77379 | (281) 376-7296 | sunbeltpawn.com |
| Top Gun Pawn | 1625 Rayford Rd Spring, TX 77386 | (936) 556-7296 | topgunpawn.com |
| Valu+ Pawn | 23116 Aldine Westfield Rd Spring, TX 77373 | (832) 702-7060 | moneymartpawn.com |
| Valu+ Pawn | 3835 Farm to Market 2920 A10 Spring, TX 77388 | (281) 791-0032 | moneymartpawn.com |
Pawn shops vs payday loan stores in Spring
Spring has 11 pawn shops and 9 payday, installment and title loan stores.
Pawn shops
11
2.6 per 100k residents
Payday & loan stores
9
2.1 per 100k residents
8 store chains
Biggest loan store chains in Spring: ACE Cash Express (2), Advance America (1), Cash Store (1), Mariner Finance (1), OneMain Financial (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 Spring
- 1.5%
- Pawn cost, share of monthly household income in Spring
- 1.0%
- A $400 emergency equals
- 1.2 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%+ |
Spring at a glance
- Median household income
- $118,765
- Texas: $81,963
- Poverty rate
- 7.2%
- Texas: 13.9%
- Households under $25,000
- 8.3%
- Texas: 15.0%
- A $400 emergency equals
- 1.2 days of income
Payday and installment loan stores in Spring
For comparison: storefront payday, installment and title lenders in Spring with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 202 Sawdust Rd STE 104 Spring, TX 77380 | (281) 362-1508 | — | 4.8 |
| 20530 Interstate 45 N F Spring, TX 77373 | (281) 288-5042 | — | 5.0 |
| 1401 Spring Cypress Rd., Ste. 103 Spring, TX 77373 | (281) 288-3680 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 2150 Farm to Market 2920 Ste 600 Spring, TX 77388 | (281) 288-2772 | — | 4.9 |
| 1650 Louetta Rd #200 Spring, TX 77388 | (832) 403-2934 | — | 4.8 |
| 19752 I-45 C Spring, TX 77373 | (281) 907-7029 | — | 3.7 |
|
Texas Car Title and Payday Loan Services
1 store in Spring
texascartitleandpaydayloanservicesinc.com
|
|||
| 25811 Interstate 45 N Spring, TX 77380 | (281) 292-0425 | — | 4.8 |
| 513 Sawdust Rd B Spring, TX 77380 | (281) 661-4645 | — | 5.0 |
| 20008 Champion Forest Dr Ste 801 Spring, TX 77379 | (832) 734-4100 | — | 4.7 |
Pawn shops near Spring
More about Spring
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.