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 Victoria, TX
8 pawn shops in and around Victoria — 9.3 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. Victoria ranks #4 of 94 Texas cities with pawn shops by shops per resident.
- Pawn shops
- 8
- Pawn shops per 100k
- 9.3
- Texas: 4.3
- Big-chain shops
- 5
- Payday & loan stores
- 12
- Population
- 86,300
Pawn shops in Victoria: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Cash America PawnChain | 5508 N Navarro St Victoria, TX 77904 | (361) 576-6051 | cashamerica.com |
| Cash America PawnChain | 6908 N Navarro St Victoria, TX 77904 | (361) 894-7247 | firstcash.com |
| EZPAWNChain | 1108 E Rio Grande St Victoria, TX 77901 | (361) 580-1976 | ezpawn.com |
| EZPAWNChain | 3002 N Navarro St Victoria, TX 77901 | (361) 573-3584 | ezpawn.com |
| First Cash PawnChain | 4102 N Navarro St A Victoria, TX 77901 | (361) 578-3630 | firstcash.com |
| Platinum Pawn & Jewelry | 2310 N Navarro St Victoria, TX 77901 | (361) 894-8978 | platinumpawnvictoria.com |
| Sam Houston Pawn and Jewelry | 1701 Sam Houston Dr Victoria, TX 77901 | (361) 582-4200 | samhoustonpawn.com |
| Victoria Pawn and Jewelry Company | 901 E Rio Grande St Victoria, TX 77901 | (361) 575-6241 | victoriapawnjewelryco.placeweb.site |
Pawn shops vs payday loan stores in Victoria
Victoria has 12 payday, installment and title loan stores but only 8 pawn shops.
Pawn shops
8
9.3 per 100k residents
Payday & loan stores
12
13.9 per 100k residents
10 store chains
Biggest loan store chains in Victoria: Cash Store (2), Security Finance (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 Victoria
- 2.5%
- Pawn cost, share of monthly household income in Victoria
- 1.7%
- A $400 emergency equals
- 2.0 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%+ |
Victoria at a glance
- Median household income
- $72,421
- Texas: $81,963
- Poverty rate
- 16.1%
- Texas: 13.9%
- Households under $25,000
- 18.3%
- Texas: 15.0%
- A $400 emergency equals
- 2.0 days of income
Payday and installment loan stores in Victoria
For comparison: storefront payday, installment and title lenders in Victoria with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 3803 Houston Hwy Ste 100 Victoria, TX 77901 | (361) 576-9379 | — | 4.9 |
| 5905 N Navarro St Victoria, TX 77904 | (361) 575-9800 | — | 4.9 |
| Security Loan CO 102 S William St Victoria, TX 77901 | (361) 575-4102 | — | 5.0 |
| Sunbelt Credit 2001 E Red River St Victoria, TX 77901 | (361) 578-1576 | — | 4.4 |
| 8901 N Navarro St Victoria, TX 77904 | (361) 465-5773 | — | 5.0 |
| 1602 N Laurent St A Victoria, TX 77901 | (361) 573-6300 | — | 4.9 |
| 3805 N. Navarro St., Ste. B Victoria, TX 77901 | (361) 582-0648 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 8902 N Navarro St #300 Victoria, TX 77904 | (361) 582-4182 | — | 5.0 |
| 2304 N Navarro St Victoria, TX 77901 | (361) 575-1461 | — | 4.5 |
| 3606 N Navarro St Ste A Victoria, TX 77901 | (361) 575-0546 | — | 4.9 |
| 3101 N Navarro St Victoria, TX 77901 | (361) 579-0783 | — | 5.0 |
| Western Finance 705 E Rio Grande St Victoria, TX 77901 | (361) 572-0056 | — | 5.0 |
Pawn shops near Victoria
More about Victoria
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.