Pawn Shops Wichita Falls

Wichita Falls has a solid lineup of pawn shops for loans or selling items. Gold, electronics, and tools are commonly pawned or sold here.

Wichita Falls, TX has 6 pawn shops in our directory. Top-rated options include EZPAWN (2603 5th Street, Wichita Falls), EZPAWN (2603 5th Street, Wichita Falls), and Cash N More Pawn & Jewelry.

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Cash N More Pawn & Jewelry

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3910 Old Jacksboro Hwy, Wichita Falls, TX 76302, United States

pawn loansbuy/sell/trade
4.3(119)

City Jewelry & Loan Co

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3808 Old Jacksboro Hwy, Wichita Falls, TX 76302, United States

4.1(25)

EZPAWN (2603 5th Street, Wichita Falls)

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2603 5th St, Wichita Falls, TX 76301, United States

pawn loansgold buyingfirearms loansfirearms buyingretail merchandise salesonline shop
4.0(225)

EZPAWN (2603 5th Street, Wichita Falls)

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2603 5th St, Wichita Falls, TX 76301, United States

pawn loansgold buyingfirearms loansfirearms buyingretail merchandise salesonline shop
4.0(225)

Shamrock Jewelry & Loan

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1911 9th St, Wichita Falls, TX 76301, United States

3.9(29)

First Cash Pawn

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4521 Kemp Blvd, Wichita Falls, TX 76308, United States

pawn loansretail salesgold buyinglayaway
3.5(41)

What Wichita Falls 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 Wichita Falls

  • 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 Wichita Falls?

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

Which pawn shops in Wichita Falls are well-reviewed?

Check out Cash N More Pawn & Jewelry and City Jewelry & Loan Co for reliable 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).

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