Top Cash Pawn
Pawn loans · 4715 S Congress Ave, South Austin
★ 2.9 · 57 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 96% of Austin stores. A pawn loan risks only the item you leave, and the shop must hold it 30 days past the due date.
of its written reviews are 1–2★, a higher share than at 96% of Austin stores.
At most, on the smallest loans — capped by Texas law, with 30 days’ grace.
Loan stores in Texas need an OCCC licence for each location. Check this one before you sign.
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
2.9Higher than 3% of Austin loan stores. City average is 4.3.
Lowest rated in AustinHighest
Bad reviews (1–2★), share of written reviews
What borrowers say
- Complaints go unanswered
Counted in 45 written reviews. Bars: mentions per 100.
What to watch for
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
Walk in, no appointment · Wheelchair access · Takes cards
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.
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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Pawn loans.
An independent business, not part of a chain.