Cash America Pawn
411 E Erwin Ave · (972) 562-7296
McKinney Jewelry & Loan
800 S McDonald St · (972) 562-1313
Texas Best Jewelry Buyer
7300 State Hwy 121 Ste. 300 · (945) 201-1342
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What a pawn loan costs in McKinney
$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.
Pawning in McKinney: what to know
- Rates: 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. See the Texas pawn laws for every rule and source.
- Grace period: 30 days after the original maturity date, at one thirtieth of the monthly charge per day.
- Bring: a valid government-issued photo ID and the item with its accessories. Which IDs are accepted.
- Gold: weigh it and check the karat stamp, then estimate it with the gold pawn calculator.
- Compare: ask two or three shops for a loan offer and a purchase offer. Pawn or sell?
What people pawn in McKinney
Questions about pawn shops in McKinney
How many pawn shops are in McKinney?
We list 3 pawn shops in McKinney, TX, including 1 Cash America Pawn locations. 3 have published opening hours.
Are pawn shops in McKinney open on Sunday?
2 of the 3 listed shops show Sunday hours, for example McKinney Jewelry & Loan, Texas Best Jewelry Buyer. Hours can change on holidays; call before you go.
Which pawn shops in McKinney are open late?
3 shops list weekday closing times of 7 PM or later, such as Cash America Pawn, McKinney Jewelry & Loan, Texas Best Jewelry Buyer.
How much does a $500 pawn loan cost in McKinney?
Under Texas law, a pawn shop can charge at most $75 for the first month on a $500 loan. Grace period: 30 days after the original maturity date, at one thirtieth of the monthly charge per day.
Do McKinney pawn shops buy gold?
Most pawn shops lend on and buy gold jewelry. 3 of the listed shops in McKinney are also listed as gold or jewelry buyers. Estimate your gold with the gold calculator first.