Cash America Pawn
1024 W Waco Dr · (254) 754-4012
Cash America Pawn
1724 W Waco Dr · (254) 755-6321
Cash America Pawn
611 N Valley Mills Dr · (254) 399-9773
CenTex Pawn
1015 E Craven Ave · (254) 294-8556
CenTex Pawn
801 E Waco Dr · (254) 235-0767
Ezpawn
301 E Waco Dr · (254) 755-6262
Ezpawn
3020 N 18th St · (254) 755-7337
Ezpawn
645 N Valley Mills Dr · (254) 772-0496
Praco Gun and Pawn
2201 W Waco Dr · (254) 753-5511
Pawn Express
131 Eastgate Plz · (254) 412-1273
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What a pawn loan costs in Waco
$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 Waco: 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, or see where to sell gold in Waco.
- Compare: ask two or three shops for a loan offer and a purchase offer. Pawn or sell?
What people pawn in Waco
Questions about pawn shops in Waco
How many pawn shops are in Waco?
We list 10 pawn shops in Waco, TX, including 3 Cash America Pawn, 3 EZPAWN locations. 10 have published opening hours.
Are pawn shops in Waco open on Sunday?
3 of the 10 listed shops show Sunday hours, for example Cash America Pawn, Ezpawn, Ezpawn. Hours can change on holidays; call before you go.
Which pawn shops in Waco are open late?
6 shops list weekday closing times of 7 PM or later, such as Cash America Pawn, Cash America Pawn, Cash America Pawn.
How much does a $500 pawn loan cost in Waco?
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 Waco pawn shops buy gold?
Most pawn shops lend on and buy gold jewelry. 5 of the listed shops in Waco are also listed as gold or jewelry buyers. Estimate your gold with the gold calculator first.