Pawn Shops Waco

Waco has a solid selection of pawn shops for quick cash or affordable buys. Gold, electronics, and firearms are commonly pawned or sold here.

Waco, TX has 2 pawn shops in our directory. Top-rated options include EZPAWN (645 North Valley Mills Drive, Waco).

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EZPAWN (645 North Valley Mills Drive, Waco)

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645 N Valley Mills Dr, Waco, TX 76710, United States

+1 254-772-0496 Website

pawn loansgold buyingfirearms loansfirearms buyingretail merchandise salesonline shop

4.3(232)

Praco Gun and Pawn

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2201 W Waco Dr, Waco, TX 76707, United States

+1 254-753-5511 Website

pawn loanslayaway programsfirearms sales

3.9(70)

What Waco Pawn Shops Accept

✓ Gold jewelry & watches
✓ Electronics (phones, laptops, tablets)
✓ Power tools (DeWalt, Milwaukee, Makita)
✓ Gaming consoles (PS5, Xbox, Nintendo)
✓ Musical instruments
✓ Firearms (where permitted)
✓ Designer items

Acceptance varies by shop. Call ahead for specialty items or large quantities.

Texas Pawn Shop Regulations

Interest Rate15-20% per month (small loans under $175); declining to 2.5% per month (larger amounts); rates adjusted annually by OCCC

Redemption Period30-day grace period after maturity

Regulated ByTexas Office of Consumer Credit Commissioner (OCCC)

Texas has among the most comprehensive pawn regulations under Finance Code Chapter 371. Pawn service charges vary by loan amount brackets updated annually for inflation. Pledgors have no personal liability beyond collateral and can redeem by mail.

Tips for Visiting Pawn Shops in Waco

1.Get quotes from multiple shops before deciding
2.Know your item's value - check eBay sold listings first
3.Bring valid government-issued ID (required by law)
4.Ask about interest rates and total repayment amount upfront
5.Keep your pawn ticket in a safe place
6.Ask about the redemption period and any grace periods
7.Ask if they report to credit bureaus (most don't)

Frequently Asked Questions

What can I pawn in Waco?

Common items include gold, electronics, and tools at most local shops.

Which pawn shops in Waco are well-reviewed?

Check out EZPAWN on North Valley Mills Drive and Praco Gun and Pawn for trusted options.

How much can I get for gold?

Offers vary by weight, purity, and current prices. Pawn shops typically pay below spot value - get multiple quotes to compare.

What ID do I need?

Valid government-issued photo ID (driver's license, passport, or state ID).