Smart Pawn & Jewelry

Pawn loans · also buys gold & jewelry · 111 W William Cannon Dr c1, Dittmar-Slaughter

★ 4.6 · 296 ratingsHours listed

Open lateOpen Sundays

Should you go here?

Average reviews, and pawn charges are capped by law.

Its share of bad reviews is about average for Austin. A pawn loan risks only the item you leave, and the shop must hold it 30 days past the due date.

Good sign

What borrowers say4.6★

296 ratings. Known for treating people with respect. Known for a clean store.

What borrowers say ↓

Watch out

Bad reviews9%

of its written reviews are 1–2★, a higher share than at 52% of Austin stores. 3rd of 5 Smart Pawn & Jewelry branches here.

How it compares ↓

Good sign

What it costs20% / month

At most, on the smallest loans — capped by Texas law, with 30 days’ grace.

Check it

LicenceLook it up

Loan stores in Texas need an OCCC licence for each location. Check this one before you sign.

OCCC licence search ↗

A cheaper routeAsk a credit union about a small-dollar loan first →0.1 mi away · installment loansPayment 1 Loans - Austin — ★ 4.9, few bad reviews →

From ratings and written reviews of this store. Checked September 2026. We don’t lend and no store pays us.

How it compares

Against every loan store in Austin and every other Smart Pawn & Jewelry branch.

Rating

4.6Higher than 45% of Austin loan stores. City average is 4.3.

Lowest rated in AustinHighest

Bad reviews (1–2★), share of written reviews

This store9%

Average Smart Pawn & Jewelry branch in Austin9%

Average Austin pawn loan store26%

Bad reviews by year · 7% in 2026

212223242526

What borrowers say

Ask for Christina or Brian
Deals in jewelry and gold, tools and guns
Known for treating people with respect

Counted in 212 written reviews. Bars: mentions per 100.

What borrowers appreciate

Treats you with respect7 reviews · 3.3 per 100
Fast service6 reviews · 2.8 per 100

What to watch for

Rude staff3 reviews · 1.4 per 100

Complaints are counts only.

What it costs

At most 20% a month

Texas caps pawn charges — 20% a month on the smallest loans, less on bigger ones — and the shop must hold your item 30 days past the due date. You never owe more than the item.

Before you go

What to take, and what to ask before you sign.

Bring these

Their website doesn’t list documents. Call ahead and ask what to bring.

At the store

Wheelchair access

Ask these at the counter

1
How long will you hold my item?
Texas requires at least 30 days past the due date.
2
What does it cost to get it back, in dollars?
Ask for the total on the pawn ticket.
3
Can I extend if I need more time?
Ask what an extension costs.

Pawn loans in Texas: how they work, your rights, how to get out →

Check the licence: OCCC licence search or call 800-538-1579.

A cheaper route

Before you borrow here, ask a credit union about a small-dollar loan.

A Payday Alternative Loan (PAL) from a federal credit union is $200–$2,000, repaid over 1–12 months, capped at 28% a year plus a $20 fee at most. You usually join the credit union first, which can take a day.

Nearby alternatives

The closest real storefronts — at least two take a different route. Numbers match the map.

Been to Smart Pawn & Jewelry?

Tell other borrowers what it was like. We read every review before it goes up, good or bad.

Write a review

In borrowers’ own words

“Christinia is a very sweet woman and kind and respectful was willing to help every way she could”
“Highest offer for my 14k ring, quick, easy, fair offer.”

Short lines from 4–5★ written reviews of this store. Complaints are counted above, never quoted.

About this lender

Pawn loans, and also buys gold & jewelry.

Part of a chain: Smart Pawn & Jewelry has 5 locations across the Texas cities we cover — Austin (5). See the Smart Pawn & Jewelry brand page.

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