Top Cash Pawn

Pawn loans · also buys gold & jewelry · 12006 Research Blvd, Highland Oaks

★ 2.8 · 52 ratingsHours listed

Open lateOpen Sundays

Should you go here?

Many bad reviews, and pawn charges are capped by law.

Borrowers leave more bad reviews here than at 97% of Austin stores. A pawn loan risks only the item you leave, and the shop must hold it 30 days past the due date.

Watch out

What borrowers say2.8★

52 ratings. Complaints go unanswered.

What borrowers say ↓

Watch out

Bad reviews62%

of its written reviews are 1–2★, a higher share than at 97% of Austin stores.

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 →1.0 mi away · installment loansHeights Finance — ★ 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.

Rating

2.8Higher than 2% of Austin loan stores. City average is 4.3.

Lowest rated in AustinHighest

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

This store62%

Average Austin pawn loan store26%

What borrowers say

Complaints go unanswered

Stars in its 42 written reviews

5★16
4★0
3★0
2★2
1★24

Latest review May 2026 · 5 in the last year · Owner replied to 0 of 42

No one thing comes up often enough to count as a theme.

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.

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About this lender

Pawn loans, and also buys gold & jewelry.

An independent business, not part of a chain.

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