Pawn loans without the hassle
A pawn loan is a short-term loan backed by something you own. Bring in an item and your ID, get an offer, and leave with cash.
How it works
Bring your item
Bring an item of value and a government-issued photo ID for a loan quote.
Get cash
We use a proprietary system to get you the best loan value. You leave with cash.
Repay your loan
We keep your valuables secure until you repay. You can also renew, extend your due date, or surrender your collateral without penalty.
Your item is your approval
There are no credit checks and no loan applications. Your loan amount is based on the wholesale value of your item, not your credit score.
- Bring your item and a government-issued ID
- We evaluate its current value and make you an offer
- We store your item securely until you return
- Repay to pick it up, or renew in store
- Extend your due date online with MobilePawn
What we lend on
We'll loan on almost any item of value. These are the most common:
- Gold and diamond jewelry
- Designer handbags
- Firearms
- Watches
- Electronics
- Musical instruments
- Tools and equipment
When your loan comes due, you have choices
Texas pawn loans run 30 days, with a 30-day grace period. Interest accrues daily, so paying early costs you less.
Pay it off
Repay the loan and interest any time, with no early payment penalty, and take your item home.
Renew or extend
Pay the accrued interest in store for a new 30-day term, or push your due date forward in the MobilePawn app.
Walk away
If you decide not to repay, surrender the item. There's no penalty, and nobody comes after you for the balance.
Pawn it or sell it?
Both get you cash today. The right choice depends on whether you want the item back.
| Pawn | Sell | |
|---|---|---|
| Do you keep it? | Yes, when you repay the loan | No, it's sold |
| Cash today? | Yes | Yes |
| Anything to repay? | Loan plus interest, if you want your item back | Nothing |
| Credit check? | None | None |
| Best for | Things you want to keep | Things you no longer need |
Not sure? Ask an associate to quote both.
Rates and loan limits
Interest
The Texas Office of Consumer Credit Commissioner sets pawn rates each year. Store associates will walk you through your terms before you agree to anything. See the state's rate information
How much can I borrow?
We typically lend up to $1,380 on a single pawn ticket. For larger loans on gold, diamonds, cars, boats or commercial equipment, talk with a store manager.
Bring it in. We'll make you an offer.
No appointment needed. Just your item and a government-issued ID.