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Pawn Shops vs Payday Loans in Texarkana, TX
4 pawn shops in and around Texarkana — 6.5 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. Texarkana ranks #17 of 94 Texas cities with pawn shops by shops per resident.
- Pawn shops
- 4
- Pawn shops per 100k
- 6.5
- Texas: 4.3
- Big-chain shops
- 4
- Payday & loan stores
- 15
- Population
- 61,863
Pawn shops in Texarkana: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Cash America PawnChain | 1723 New Boston Rd Texarkana, TX 75501 | (903) 792-8550 | firstcash.com |
| Cash America PawnChain | 2826 New Boston Rd Texarkana, TX 75501 | (903) 838-2121 | cashamerica.com |
| Cash America PawnChain | 3501 N State Line Ave Texarkana, TX 75503 | (903) 794-2020 | find.cashamerica.us |
| EZPAWNChain | 3923 N State Line Ave Texarkana, TX 75503 | (903) 793-8208 | ezpawn.com |
Pawn shops vs payday loan stores in Texarkana
Texarkana has 15 payday, installment and title loan stores but only 4 pawn shops.
Pawn shops
4
6.5 per 100k residents
Payday & loan stores
15
24.2 per 100k residents
12 store chains
Biggest loan store chains in Texarkana: Cash Store (3), 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 Texarkana
- 3.2%
- Pawn cost, share of monthly household income in Texarkana
- 2.1%
- A $400 emergency equals
- 2.6 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%+ |
Texarkana at a glance
- Median household income
- $55,996
- Texas: $81,963
- Poverty rate
- 17.4%
- Texas: 13.9%
- Households under $25,000
- 23.2%
- Texas: 15.0%
- A $400 emergency equals
- 2.6 days of income
Payday and installment loan stores in Texarkana
For comparison: storefront payday, installment and title lenders in Texarkana with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 2504 Richmond Rd Texarkana, TX 75503 | (903) 223-3231 | — | 5.0 |
| 3725 N State Line Ave Texarkana, TX 75503 | (903) 255-0033 | — | 5.0 |
| 4426 W 7th St Ste A Wake Village, TX 75501 | (903) 831-5776 | — | 5.0 |
|
Texas Car Title and Payday Loan Services
2 stores in Texarkana
texascartitleandpaydayloanservicesinc.com
|
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| 1615 New Boston Rd Texarkana, TX 75501 | (903) 792-3015 | — | 5.0 |
| 3223 N State Line Ave Texarkana, TX 75503 | (903) 793-0324 | — | 4.8 |
| 4420 W 7th St Texarkana, TX 75501 | (903) 223-7500 | — | 4.9 |
| 2513 Richmond Rd Texarkana, TX 75503 | (903) 223-0061 | — | 4.9 |
| 1413 N. State Line Ave. Texarkana, TX 75501 | (903) 791-1100 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 2605 Texas Blvd Ste 100 Texarkana, TX 75503 | (903) 832-8739 | — | 5.0 |
| 2808 New Boston Rd Suite A Texarkana, TX 75501 | (903) 831-3122 | — | 5.0 |
| 2840 Richmond Rd Texarkana, TX 75501 | (903) 832-0859 | — | 4.8 |
| 3217 Kennedy Ln Texarkana, TX 75503 | (903) 832-0562 | — | 4.7 |
| 3400 Summerhill Rd Texarkana, TX 75503 | (903) 838-7976 | — | 5.0 |
| 1617 New Boston Rd Texarkana, TX 75501 | (903) 792-9070 | — | 5.0 |
| Western Finance 3807 N State Line Ave Texarkana, TX 75503 | (903) 794-5626 | — | 5.0 |
Pawn shops near Texarkana
More about Texarkana
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.