What items does Wright Pawn buy or sell?

We specialize in luxury jewelry, watches, and handbags but do not deal in guns, ammunition, electronics, tools, or shoes.

Do you offer cash loans with credit checks?

No, we provide cash loans without credit checks, ensuring a confidential and judgment-free experience.

Do I need to make an appointment to sell or pawn my items?

No appointment is necessary, just bring in your items during our business hours.

What types of items do you buy?

We purchase gold jewelry, broken jewelry, gold coins, bullion, silver, Rolex watches, coin collections, collectibles, and much more.

Do I need an appointment to sell my items?

No appointment is necessary; walk-ins are always welcome!

How long has Houston Gold Buyers been in business?

We have been operating since 1997, making it nearly 30 years in the business.

How does a pawn loan work?

Pawn loans are straightforward ways to obtain quick cash based on the value of your pawned item. They come with a term of one month plus a 30-day grace period. You can extend or surrender your merchandise if needed.

What is an extension?

An extension allows you to prolong your 30-day loan by an additional 30 days for just the interest amount if you cannot pay back within the initial timeframe.

A renewal allows you to pay only the accrued interest on your loan, enabling you to initiate a new pawn loan while keeping the original payment amount.

What type of identification do I need to get a loan?

You will need a state-issued ID or driver's license that is not more than one year expired, an immigration card, or a passport.

How do you determine how much to loan me on my item?

The loan amount depends on the item's value, condition, and our ability to resell it if necessary. Our experienced management team evaluates this personally.

Are pawnshops regulated?

Yes, they are regulated at local, state, and federal levels. In Texas, pawnshops obtain licenses from the Office of Consumer Credit and undergo regular audits.

How old do I have to be to buy a gun?

You must be 18 years old to purchase a long-gun and 21 to buy a handgun, along with passing a federal background check.

Should I be concerned about buying a stolen item?

No, we work with local authorities to ensure the prevention and identification of stolen property, requiring ID for all pawned or sold items.

Yes, items can be placed on layaway with just a 10% down payment, followed by a mutually agreed upon monthly payment.

What types of items do you purchase?

We buy gold, silver, platinum, and diamonds among other valuable items.

Do I need an appointment to sell my items?

Yes, we operate by appointment only to ensure confidentiality and personalized service.

What locations do you serve?

We have several locations, including The Woodlands, Spring, The Heights District, Galleria, and Katy.

How can I schedule an appointment?

You can schedule an appointment by calling us at (713) 444-9965.

What are the new hours for the Spring location?

The new hours for the Spring location are Monday to Friday from 10 AM to 5:30 PM and Saturday from 11 AM to 4 PM.

Do I need to make a minimum order for the online store?

No, there are no minimum orders in the new online store, and items will ship directly to your home.

Can I sell graded bullion?

Yes, Houston Gold Merchants can assist you with selling your graded bullion and provide valuable insights.

How can I sell my diamond and jewelry?

You can sell your diamond and jewelry in person or online through our website.

What types of jewelry do you buy?

We buy diamonds, fine jewelry, watches, and unique vintage pieces.

Is there a fee for getting an estimate?

No, we offer free estimates for your jewelry.

What are typical payday loan requirements?

To qualify for a payday loan, you need to be a U.S. citizen, at least 18 years old, and must show proof of employment or a regular income of $1,000 or more per month, along with having a bank account.

How soon will I receive the funds?

Many borrowers report receiving their funds the next business day, allowing you to have the money in your bank account by morning.

What happens if I don't make a payment on my loan by the due date?

Failing to make a payment on time can negatively affect your credit rating as the loan is a legally binding agreement.

Can I get a payday loan if I have bad credit?

Yes, payday lenders cater to various borrowers, including those with bad credit. It's advisable to research your options and have proof of income ready.

What if I have filed for bankruptcy?

Individuals with a bankruptcy history can still potentially qualify for a payday loan, especially if they can demonstrate financial responsibility since.

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.

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