What are the requirements?

To be eligible, you need to have worked at least 6 months at your job, possess a Texas Driver License or I.D., be 18 or older, provide a bank statement, and show proof of income (like a paystub, award letter, child support, or retirement).

What is the difference between a payday loan and an installment loan?

Payday loans typically have higher interest rates and require repayment in full with interest on your next payday, while installment loans allow for monthly payments over up to 12 months at a lower rate.

Can I apply if I don’t live in Texas?

No, only Texas residents are eligible to apply for an installment loan.

Can you deposit my loan in my Bank Account?

Yes, the loan proceeds can be transferred to your bank account the next business day or you can visit our branch.

Does my credit have to be Perfect?

No, as long as you are not currently behind on bills, we can overlook past credit issues.

Do you accept debit card payments?

Yes, payments on your installment loan can be made using a debit card or through ACH debit.

When are my payments due?

Payments are due once a month, 30 days after you receive your personal loan.

Do you report to the credit bureau?

Yes, we report to the credit bureau every month to help you establish and build your credit history.

What types of loans do you offer?

We provide online loans, signature loans, monthly installment loans, and personal loans.

What is the maximum amount I can borrow?

You can borrow up to $1,600 for emergencies, bills, or any other needs.

How do I apply for a loan?

You can apply online or by phone by calling (713) 226-8463.

What is a hard money loan?

Hard money loans are short-term, high-interest loans secured by real estate, primarily utilized by real estate investors for quick funding on projects like flips or construction.

How does a hard money loan work?

Hard money loans are asset-based, focusing on the value of the property as collateral, offering faster approvals and funding, albeit with higher interest rates and shorter repayment terms.

How can I get a hard money loan?

To secure a hard money loan, research private lenders, prepare a property evaluation focusing on after-repair value (ARV), and gather necessary documentation regarding property and finances.

What is private lending?

Private money lending involves individuals or private organizations lending capital directly to borrowers instead of traditional banks.

What is a collateral loan?

A collateral loan requires a borrower to pledge an asset as security, allowing lenders to offer more favorable terms. If the borrower defaults, the lender may seize the collateral.

Can you refinance a collateral loan?

Yes, refinancing hard money loans is common as they are typically short-term; borrowers often seek more stable long-term financing upon project completion.

Can land be used as a collateral loan?

Yes, land can be used as collateral for loans, including land equity loans, allowing borrowers to access the equity built in their land.

What types of items do you buy?

We buy a wide range of items including gold, silver, rare coins, bullion, jewelry, luxury watches, sports memorabilia, and paper money.

Do you offer appraisals?

Yes, we provide free evaluations and appraisals for various items including coins and jewelry.

What are your business hours?

Our hours are Monday to Friday from 9:00 AM to 5:00 PM, Saturday 10:00 AM to 4:00 PM, and we are closed on Sundays.

How do I sell my gold or jewelry?

You can bring your items to our store for a free evaluation, and our experts will guide you through the selling process.

What types of precious metals do you buy?

We buy gold, silver, diamonds, coins, jewelry, and watches.

Can I get an appraisal for my items?

Yes, we offer free appraisals for all your precious metals and collectibles.

What are your store hours?

We are open Monday to Friday from 9:00 AM to 5:00 PM and Saturday from 10:00 AM to 3:00 PM. We are closed on Sundays.

What types of items do you buy?

We purchase all types of gold, silver, and platinum items, including jewelry, coins, bullion, and scrap gold.

How quickly can I get paid for my items?

You can get instant cash for your items, often within just a few minutes.

Are your appraisals free?

Yes, we provide free appraisals without any hidden fees involved.

What types of items can I sell to Lucky Clover Gold Buyers?

We purchase gold, silver, platinum, luxury brand watches, jewelry (new or old), coins, and scrap gold.

How does the selling process work?

Simply bring your items to our store for a no-pressure evaluation. We provide instant cash based on fair appraisals.

A pawn loan is a simple process where you bring an item, and we assess its value. If you agree to our offer, we'll give you a loan based on that item. The loan period is one month, and you also have a 60-day grace period to repay the loan plus any accrued interest.

What kind of stuff can I bring in?

You can bring nearly any valuable item. We specialize in firearms, jewelry, and electronics. If you're unsure, feel free to call us at 281-445-1500.

When I bring in my item, is it immediately for sale unless I pick it up before it's sold?

No, if you take out a loan, your item is safely stored for one month with an additional 60-day grace period. It will only go for sale if the loan becomes delinquent.

What is the maximum loan I can get?

The maximum loan we offer is $1420. You can also have more than one loan at a time.

Is the merchandise you have for sale stolen?

No, less than 1% of our inventory is stolen. We work closely with law enforcement to ensure no stolen items are accepted, and all incoming items are checked against a nationwide database called LeadsOnline.

What if I don't have all the money to pay off my loan?

You have options; you can extend your loan by paying the interest monthly or renewing your loan by paying all accrued interest. This rewrites your loan, resetting the payment period.

What items can I pawn or sell?

You can pawn or sell firearms, jewelry, watches, guitars, and most anything of value.

How much can I borrow?

You can borrow up to $2,000 for just $50 per month.

Are your appraisals reliable?

Yes, we have a certified gemologist on-site for accurate evaluations.

PawnShopz | Discover pawn shops in Houston, Montgomery County

pawn shops in Houston, Montgomery County

GBC Finance

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Open until 10:00 PM ⌁ 4.7km

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phone language gold buyer

Open until 11:00 PM ⌁ 13.4km

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phone language pawn shop

Open until 7:00 PM ⌁ 8.8km

As seen on Houston Chronicle

Shaw's R & R Pawn Shop

phone language pawn shop

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30 years in business

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