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Texas (TX) lender directory

Pawn Shops in Texas

Looking for a pawn shop near you in Texas? Pick your city below. We list 1,170 stores in 281 Texas cities, built from state license records and lenders' own store pages. Data last checked October 8, 2026.

Pawn shops by city

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Pawn shops in Texas: the rules

Texas pawnshops are licensed by the OCCC under Finance Code chapter 371. You leave an item as security and get it back when you repay. If you don't, the shop keeps the item and you owe nothing more. The law caps pawn charges on a sliding scale: the larger the loan, the lower the maximum rate.

The average pawn loan APR in Texas is about 180%. Source: OCCC, 2025 Study of Consumer Loan Products.

Questions people ask

Are payday loans legal in Texas?

Yes. Payday lenders operate in Texas under state rules. For example: A credit services organization that arranges payday loans must hold a credit access business license for each location where it operates (Tex. Fin. Code § 393.603).

How many pawn shops are in Texas?

We list 1,170 pawn shops in Texas, in 281 cities.

Which Texas cities have the most pawn shops?

Houston (174), San Antonio (94), Dallas (60), Austin (37) and El Paso (33).

How much can lenders charge in Texas?

The pawn service charge is capped at 15 percent per month on amounts above the first tier up to a $200 reference amount (Tex. Fin. Code § 371.159(c)(2)). More limits are listed under the state rules on this page.

How do I check a lender's license in Texas?

Lenders in Texas are licensed by the Texas Office of Consumer Credit Commissioner (OCCC). You can look up a license in its online license search, or use NMLS Consumer Access for lenders licensed through NMLS.

Answers are generated from the listings and verified rules on this page; see Sources below.

Sources

Listings, statistics and rules on this page come from these sources, with how many locations each one supplied.

  1. Texas OCCC ALECS licensee search · 1,152 locations Last verified Oct 15, 2026
  2. EZPAWN store locator · 236 locations Last verified Oct 15, 2026
  3. OpenStreetMap (Overpass API) · 143 locations Last verified Oct 15, 2026 © OpenStreetMap contributors, ODbL 1.0
  4. OCCC, 2025 Study of Consumer Loan Products · Average APRs for payday, title and pawn loans Last verified Oct 7, 2026
  5. Texas Finance Code, chapter 393 (Credit Services Organizations / Credit Access Businesses) · Credit access business rules Last verified Oct 7, 2026
  6. Tex. Fin. Code § 393.625, Tex. Fin. Code § 393.603, Tex. Fin. Code § 393.221(2), Tex. Fin. Code § 393.602(b), Tex. Fin. Code § 393.222(a), Tex. Fin. Code § 393.223(a), Tex. Fin. Code § 393.221(3), Tex. Fin. Code § 393.223(b) · General rules, Payday loans (deferred presentment), Title loans Last verified Oct 9, 2026 · high confidence
  7. 7 Tex. Admin. Code § 83.6004(a) · Payday loans (deferred presentment) Last verified Oct 9, 2026 · medium confidence
  8. Tex. Fin. Code § 342.051(a), Tex. Fin. Code § 342.201(a)(1), Tex. Fin. Code § 342.201(a)(2), Tex. Fin. Code § 342.251, Tex. Fin. Code § 342.252(a)(3)(A), Tex. Fin. Code § 342.252(a)(3)(B), Tex. Fin. Code § 342.255 · Installment and consumer finance loans Last verified Oct 9, 2026 · high confidence
  9. Tex. Fin. Code § 371.159(c)(2), Tex. Fin. Code § 371.159(c)(3), Tex. Fin. Code § 371.159(c)(4), Tex. Fin. Code § 371.160(a)-(b), Tex. Fin. Code § 371.169, Tex. Fin. Code § 371.051, Tex. Fin. Code § 371.158, Tex. Fin. Code § 371.159(c)(1), Tex. Fin. Code § 371.170 · Pawn loans Last verified Oct 9, 2026 · high confidence

We re-check sources regularly and show the date each was last verified. Spotted a mistake? Tell us and we'll check it against the source.

CashAdvance is not a lender and does not take applications. Listings are information only, built from public records (such as state license lists) and lenders' own published details. Confirm hours, fees and terms with the lender before you visit or borrow.