Texas pawn loan calculator
$75
maximum charge for the first month
- Total charges
- $75
- To get your item back
- $575
- Monthly rate
- 15.0%
Maximum allowed by state law. A pawn shop can charge less; your pawn ticket shows the real amount.
Pawn shops by city in Texas
Texas pawn loan rules
| Maximum charge | For July 1, 2026 to June 30, 2027 the one-month charge is 20% of the whole loan up to $276, 15% up to $1,840, 2.5% up to $2,760 and 1% up to $23,000. |
| Loan term | One month. |
| Grace period | 30 days after the original maturity date, at one thirtieth of the monthly charge per day. |
| ID required | Photo ID: driver license, state ID, passport, military ID, matrícula consular or federal immigration ID. |
| Renewals | Renewals and extensions in writing. |
| Other fees | Lost ticket up to $1; no other credit charges. |
What a pawn loan costs in Texas
| Loan | First month (max) | To redeem after 1 month |
|---|---|---|
| $100 | $20 | $120 |
| $250 | $50 | $300 |
| $500 | $75 | $575 |
| $1,000 | $150 | $1,150 |
| $2,000 | $50 | $2,050 |
These are ceilings. The charge on your pawn ticket can be lower, and the ticket must show it with the annual percentage rate. To see two or more months, change the months in the calculator above.
Licensed pawn shops
Texas publishes its list of licensed pawnbrokers: Texas Office of Consumer Credit Commissioner (OCCC) license search. We matched each listed shop by street address: 563 of 638 appear on it and are marked state-licensed. A shop that is not marked may still be licensed under another address or name; check the official list.
Before you pawn in Texas
- Bring a valid government-issued photo ID.
- Texas ID rule: Photo ID: driver license, state ID, passport, military ID, matrícula consular or federal immigration ID.
- Ask for the total to redeem on the due date and the last day of the grace period.
- Compare at least two shops: see pawn shops in San Antonio or Lubbock.
- Read how pawn loans work and what happens if you don't pay.
Questions
How much does a $500 pawn loan cost in Texas?
At the legal maximum, $75 for the first month, so $575 to get the item back after one month. A $1,000 loan costs up to $150 for the first month. Shops can charge less.
How long does a pawn shop hold my item in Texas?
Loan term: One month. Grace period: 30 days after the original maturity date, at one thirtieth of the monthly charge per day.
What ID do I need to pawn in Texas?
Photo ID: driver license, state ID, passport, military ID, matrícula consular or federal immigration ID.
How many pawn shops are listed in Texas?
638 pawn shops in 25 cities: San Antonio, Lubbock, Houston, Dallas, Austin, Amarillo and more. 563 of them match the state's official list of licensed pawnbrokers.
Sources
- OCCC Pawn Rate Chart July 1, 2026–June 30, 2027: occc.texas.gov
- Texas Finance Code §§371.158–.169: tcss.legis.texas.gov
- Texas Finance Code §371.159: tcss.legis.texas.gov