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Pawn Shops vs Payday Loans in Weslaco, TX
5 pawn shops in and around Weslaco — 6.7 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. Weslaco ranks #15 of 94 Texas cities with pawn shops by shops per resident.
- Pawn shops
- 5
- Pawn shops per 100k
- 6.7
- Texas: 4.3
- Big-chain shops
- 5
- Payday & loan stores
- 12
- Population
- 74,342
Pawn shops in Weslaco: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Cash America PawnChain | 1504 W Expressway 83 Ste F Weslaco, TX 78599 | (956) 969-8493 | firstcash.com |
| EZPAWNChain | 411 Business Hwy 83 E Weslaco, TX 78596 | (956) 973-1881 | ezpawn.com |
| EZPAWNChain | 817 N Texas Blvd Weslaco, TX 78596 | (956) 969-3198 | ezpawn.com |
| First Cash PawnChain | 154 N Texas Blvd Weslaco, TX 78596 | (956) 968-2513 | google.com |
| First Cash PawnChain | 3220 Business Hwy 83 E Weslaco, TX 78596 | (956) 968-7146 | firstcash.com |
Pawn shops vs payday loan stores in Weslaco
Weslaco has 12 payday, installment and title loan stores but only 5 pawn shops.
Pawn shops
5
6.7 per 100k residents
Payday & loan stores
12
16.1 per 100k residents
12 store chains
Biggest loan store chains in Weslaco: ACE Cash Express (1), Advance America (1), B&F Finance (1), Cash Store (1), Check 'n Go (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 Weslaco
- 3.3%
- Pawn cost, share of monthly household income in Weslaco
- 2.2%
- A $400 emergency equals
- 2.7 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%+ |
Weslaco at a glance
- Median household income
- $54,817
- Texas: $81,963
- Poverty rate
- 24.2%
- Texas: 13.9%
- Households under $25,000
- 26.5%
- Texas: 15.0%
- A $400 emergency equals
- 2.7 days of income
Payday and installment loan stores in Weslaco
For comparison: storefront payday, installment and title lenders in Weslaco with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1025 N Texas Blvd #21h Weslaco, TX 78596 | (956) 969-8600 | — | 4.9 |
| 1523-B N. Texas Blvd. Weslaco, TX 78596 | (956) 447-1504 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 6259, 536 S Texas Blvd #101 Weslaco, TX 78596 | (956) 973-2274 | — | 4.7 |
| 1602 N Texas Blvd Weslaco, TX 78596 | (956) 968-9100 | — | 4.8 |
| 1400 N Westgate Dr #107 Weslaco, TX 78599 | (956) 968-2523 | — | 4.9 |
| 515 E Expressway 83 Ste A Weslaco, TX 78599 | (956) 647-4500 | — | 5.0 |
| 1600 N Westgate Dr Ste. 700 Weslaco, TX 78599 | (956) 854-2081 | — | 5.0 |
| 509 W Business 83 #10 Weslaco, TX 78596 | (956) 969-1010 | — | 3.9 |
| 1509 W Business 83 Ste C Weslaco, TX 78596 | (956) 968-0558 | — | 4.8 |
| 310 W Expy 83 Ste 4 Weslaco, TX 78599 | (956) 969-1300 | — | 5.0 |
| 625 W Business 83 Weslaco, TX 78596 | (956) 447-3549 | — | 4.9 |
| Western Finance 512 S Texas Blvd Weslaco, TX 78596 | (956) 968-8431 | — | 4.9 |
Pawn shops near Weslaco
More about Weslaco
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.