FREQUENTLY ASKED
Answers for Texas borrowers in Houston, Dallas–Fort Worth, Austin, San Antonio, El Paso and The Woodlands who want to borrow against a luxury watch, fine jewelry, gold or art. For how state rules compare with California — where the loan is actually made — see the state lending-law guide. For specifics about your asset, email hi@luxuryassetloans.com.
Texas pawnshops and pawnshop employees are licensed and examined by the Office of Consumer Credit Commissioner (OCCC). The OCCC also publishes the rate charts Texas pawnshops must follow, and you can check a Texas shop’s license on its site, occc.texas.gov.
No. TexasLuxeLoans is a marketing platform and holds no lending license of its own. Loans arranged through us are originated in California by licensed California pawnbroker partners, so the loan agreement is written under California law, not under Texas pawn rules. If you would rather borrow under Texas rules, an OCCC-licensed shop near you is the right place to start.
Usually because of the piece. For everyday items, a local Texas shop is often quicker and simpler.
Ask us for the details that apply to your situation before you sign anything.
The piece has to be examined in person before an offer is final.
Clients come from Houston, Dallas and the wider Dallas–Fort Worth area, Austin, San Antonio, El Paso and The Woodlands, as well as smaller cities across the state.
Ask the licensed lender what it reviews, and read the written terms before you sign.
Your written agreement sets the maturity date, any renewal option and the redemption period that applies under California law. Have the lender walk you through those dates before you sign. If the loan is neither repaid nor renewed, the lender can sell the item under the terms of that agreement.
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