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Pawn Shops vs Payday Loans in Tyler, TX
9 pawn shops in and around Tyler — 5.5 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. Tyler ranks #26 of 94 Texas cities with pawn shops by shops per resident.
- Pawn shops
- 9
- Pawn shops per 100k
- 5.5
- Texas: 4.3
- Big-chain shops
- 5
- Payday & loan stores
- 21
- Population
- 162,289
Pawn shops in Tyler: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| A-1 Pawn Shop | 212 N NW Loop 323 Tyler, TX 75702 | (903) 597-9149 | a1pawnshoptx.com |
| A-Plus Pawn Shop | 2115 E Front St Tyler, TX 75702 | (903) 595-0792 | apluspawntyler.com |
| Cash America PawnChain | 2013 W Southwest Loop 323 Tyler, TX 75701 | (903) 581-9993 | firstcash.com |
| Cash America PawnChain | 2112 W Gentry Pkwy Tyler, TX 75702 | (903) 595-2584 | find.cashamerica.us |
| First Cash PawnChain | 1420 S Southeast Loop 323 Tyler, TX 75701 | (903) 593-9113 | firstcash.com |
| First Cash PawnChain | 2230 W Gentry Pkwy Tyler, TX 75702 | (903) 593-7979 | firstcash.com |
| First Cash PawnChain | 3809 S Broadway Ave Tyler, TX 75701 | (903) 581-7766 | firstcash.com |
| Ipawn.com | 4607 Troup Hwy Tyler, TX 75703 | — | ipawn.com |
| Valu+Pawn | 2602 W Gentry Pkwy Tyler, TX 75702 | (903) 592-4006 | firstcash.com |
Pawn shops vs payday loan stores in Tyler
Tyler has 21 payday, installment and title loan stores but only 9 pawn shops.
Pawn shops
9
5.5 per 100k residents
Payday & loan stores
21
12.9 per 100k residents
11 store chains
Biggest loan store chains in Tyler: ACE Cash Express (5), Cash Store (4), OneMain Financial (2), Security Finance (2), TitleMax (2).
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 Tyler
- 2.7%
- Pawn cost, share of monthly household income in Tyler
- 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%+ |
Tyler at a glance
- Median household income
- $67,398
- Texas: $81,963
- Poverty rate
- 13.7%
- Texas: 13.9%
- Households under $25,000
- 16.4%
- Texas: 15.0%
- A $400 emergency equals
- 2.2 days of income
Payday and installment loan stores in Tyler
For comparison: storefront payday, installment and title lenders in Tyler with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 2101 W Gentry Pkwy Tyler, TX 75702 | (903) 592-4457 | — | 4.9 |
| 319 E Front St Tyler, TX 75702 | (903) 526-2115 | — | 5.0 |
| 3826 Troup Hwy ste d Tyler, TX 75703 | (903) 581-7487 | — | 4.8 |
| 3833 State Hwy 64 Tyler, TX 75702 | (903) 526-0813 | — | 4.9 |
| 4215 S Broadway Ave Tyler, TX 75701 | (903) 509-8029 | — | 4.8 |
| 1710 S Beckham Ave Tyler, TX 75701 | (903) 593-4202 | — | 5.0 |
| 2701 W SW Loop 323 Ste 100 Tyler, TX 75701 | (903) 561-8846 | — | 4.7 |
| 3101 Shiloh Rd Ste 113 Tyler, TX 75707 | (903) 534-7066 | — | 5.0 |
| 3850 State Hwy 64 Tyler, TX 75704 | (903) 535-8259 | — | 4.7 |
| 3861 State Hwy 64 Tyler, TX 75704 | (903) 566-7900 | — | 4.1 |
| 4560 S Broadway Ave Tyler, TX 75703 | (903) 534-8900 | — | 3.7 |
| 1723 S Beckham Ave Tyler, TX 75701 | (903) 592-8214 | — | 3.7 |
| 2701 W SW Loop 323 Ste 100 Tyler, TX 75701 | (903) 597-8138 | — | 4.9 |
| 515 E Front St Tyler, TX 75702 | (430) 205-8600 | — | 4.9 |
| 6784 S Broadway Ave Tyler, TX 75703 | (903) 730-4974 | — | 5.0 |
| 210 W Erwin St Tyler, TX 75702 | (903) 595-5528 | — | 4.7 |
| 6743 S Broadway Ave Tyler, TX 75703 | (903) 939-8914 | — | 4.9 |
| 707 S Beckham Ave Tyler, TX 75701 | (903) 535-5005 | — | 4.8 |
| 2121 E SE Loop 323 Tyler, TX 75701 | (903) 581-5537 | — | 4.8 |
| Shamrock Finance 5825 Old Bullard Rd #100 Tyler, TX 75703 | (903) 581-4175 | — | 4.9 |
| 2326 Dueling Oaks Dr Suite A Tyler, TX 75703 | (469) 854-7267 | — | 5.0 |
Pawn shops near Tyler
More about Tyler
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.