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Montgomery County, Texas (TX)

Pawn Shops in Willis, TX

2 lenders in Willis, TX · 2 verified in the last 30 days · + 1 reported, not yet verified

Looking for a pawn shop near you in Willis, Texas? We list 2 lender locations in Willis with addresses, phone numbers, opening hours and, where Texas publishes it, license status. Last checked October 7, 2026.

Other lenders reported in Willis

These stores appear in public data but are not yet verified, so they have no page here. Call ahead before you go.

Listed in the Texas OCCC licensee search (seen Oct 15, 2026) with a license marked as transitioned to NMLS. Not yet matched to a current store list.

Willis lenders at a glance

Willis, in Montgomery County (population 7,222), has 2 lender locations in our directory: 2 pawn shops, across 2 ZIP codes. Willis has its own ordinance on payday and title lenders, on top of Texas law. The nearest other city with lenders is Conroe, about 7 miles away, with 16 locations.

Stores by loan type
Pawn shops 2
County
Montgomery County
ZIP codes with stores
77318, 77378

Typical cost in Texas

Willis's payday and title loan ordinance

Willis is one of the Texas cities that limit payday and auto title loans by local ordinance (Unified payday/auto-title (CAB) ordinance). Under the ordinance:

  • Credit access businesses must register with the city.
  • A payday loan, including all fees, cannot exceed 20% of the borrower's gross monthly income.
  • An auto title loan cannot exceed the lesser of 3% of gross annual income or 70% of the vehicle's retail value.
  • Installment loans are limited to 4 payments, each paying down at least 25% of the principal.
  • Single-payment loans can be renewed at most 3 times, and each renewal must reduce the principal by at least 25%.

Source: Texas Appleseed, city payday and auto-title ordinances · Last verified Oct 7, 2026. Check the city's current code before relying on these limits.

Questions people ask

How many pawn shops are in Willis, TX?

We list 2 pawn shops in Willis, checked against their sources as of October 7, 2026.

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).

Does Willis have its own payday loan rules?

Yes. Willis regulates payday and title lenders by local ordinance (Unified payday/auto-title (CAB) ordinance): a payday loan, with fees, cannot exceed 20% of the borrower's gross monthly income. Texas law applies as well.

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

Sources

The listings and rules on this page come from these sources. Each listing also links to its own record.

  1. Texas OCCC ALECS licensee search · 2 locations Last verified Oct 15, 2026
  2. OCCC, 2025 Study of Consumer Loan Products · Average APRs for payday, title and pawn loans Last verified Oct 7, 2026
  3. Texas Finance Code, chapter 393 (Credit Services Organizations / Credit Access Businesses) · Credit access business rules Last verified Oct 7, 2026
  4. Texas Appleseed, city payday and auto-title ordinances · Willis payday and title loan ordinance Last verified Oct 7, 2026 · medium 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.