Pawn Shops Katy

Katy offers several pawn shops for fast cash or bargain hunting. Jewelry, electronics, and tools are commonly pawned or sold here.

Katy, TX has 3 pawn shops in our directory. Top-rated options include Pawn 360.

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Pawn 360

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5619 US-90, Katy, TX 77494, United States

pawn loansjewelry buyinggold buyingsilver buyingjewelry repairswatch battery replacement
4.3(57)

First Cash Pawn

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5770 N Fry Rd G, Katy, TX 77449, United States

pawn loansretail salesgold buyinglayaway
2.8(53)

Mason Road Jewelry & Loan

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1155 S Mason Rd, Katy, TX 77450, United States

2.5(54)

What Katy 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 Katy

  • 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 Katy?

Common items include gold, electronics, and tools.

Which pawn shops in Katy are well-reviewed?

Check out Pawn 360 and First Cash Pawn 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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