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 Wichita Falls, TX
6 pawn shops in and around Wichita Falls — 5.9 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. Wichita Falls ranks #21 of 94 Texas cities with pawn shops by shops per resident.
- Pawn shops
- 6
- Pawn shops per 100k
- 5.9
- Texas: 4.3
- Big-chain shops
- 2
- Payday & loan stores
- 15
- Population
- 101,065
Pawn shops in Wichita Falls: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Cash N More Pawn & Jewelry | 3910 Old Jacksboro Hwy Wichita Falls, TX 76302 | (940) 767-5626 | cashnmorepawn.com |
| City Jewelry & Loan Co | 3808 Old Jacksboro Hwy Wichita Falls, TX 76302 | (940) 723-7842 | — |
| EZPAWNChain | 2603 5th St Wichita Falls, TX 76301 | (940) 322-8769 | ezpawn.com |
| First Cash PawnChain | 4521 Kemp Blvd Wichita Falls, TX 76308 | (940) 692-0209 | firstcash.com |
| Shamrock Jewelry & Loan | 1911 9th St Wichita Falls, TX 76301 | (940) 322-1234 | shamrockjewelryandloan.com |
| Top Dollar Pawn Shop | 4330 Rhea Rd Wichita Falls, TX 76308 | (940) 692-9050 | topdollarpawnwf.com |
Pawn shops vs payday loan stores in Wichita Falls
Wichita Falls has 15 payday, installment and title loan stores but only 6 pawn shops.
Pawn shops
6
5.9 per 100k residents
Payday & loan stores
15
14.8 per 100k residents
11 store chains
Biggest loan store chains in Wichita Falls: ACE Cash Express (3), TitleMax (2), Western Shamrock Finance (2), Advance America (1), Cash Store (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 Wichita Falls
- 2.9%
- Pawn cost, share of monthly household income in Wichita Falls
- 1.9%
- A $400 emergency equals
- 2.4 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%+ |
Wichita Falls at a glance
- Median household income
- $61,572
- Texas: $81,963
- Poverty rate
- 16.9%
- Texas: 13.9%
- Households under $25,000
- 20.0%
- Texas: 15.0%
- A $400 emergency equals
- 2.4 days of income
Payday and installment loan stores in Wichita Falls
For comparison: storefront payday, installment and title lenders in Wichita Falls with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 2720 Old Iowa Park Rd Wichita Falls, TX 76306 | (940) 723-7554 | — | 5.0 |
| 3605 Kemp Blvd Wichita Falls, TX 76308 | (940) 692-6264 | — | 4.8 |
| 3624 Old Jacksboro Hwy #104 Wichita Falls, TX 76302 | (940) 766-4800 | — | 4.9 |
| 2823 Southwest Pkwy #100 Wichita Falls, TX 76308 | (940) 692-0625 | — | 5.0 |
| 3400 Kemp Blvd Wichita Falls, TX 76308 | (940) 692-0370 | — | 5.0 |
| Western Finance 1800 Kemp Blvd Wichita Falls, TX 76309 | (940) 723-9393 | — | 4.9 |
| Shamrock Finance 4708 K Mart Dr # H Wichita Falls, TX 76308 | (940) 766-3112 | — | 4.8 |
| 2710 Central Freeway, Ste. 130 Wichita Falls, TX 76306 | (940) 855-4827 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 1506 Southwest Pkwy Wichita Falls, TX 76302 | (940) 766-0572 | — | 4.8 |
| 719 Scott Ave #106 Wichita Falls, TX 76301 | (940) 851-0366 | — | 4.9 |
| 2914 Garnett Ave Wichita Falls, TX 76308 | (940) 247-7501 | — | 4.9 |
| 4214 Kell E Blvd #107 Wichita Falls, TX 76309 | (940) 696-1945 | — | 4.4 |
| 2910 Kemp Blvd Ste 107 Wichita Falls, TX 76308 | (940) 761-1007 | — | 4.8 |
| 2913 Bob Ave Wichita Falls, TX 76308 | (940) 322-1771 | — | 5.0 |
|
Texas Car Title and Payday Loan Services
1 store in Wichita Falls
texascartitleandpaydayloanservicesinc.com
|
|||
| 3608 Kell W Blvd Wichita Falls, TX 76309 | (940) 691-0758 | — | 5.0 |
Pawn shops near Wichita Falls
More about Wichita Falls
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.