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M&M Pawn Shop offers collateral-based loans in Houston, TX. Located at 4628 N McCarty St with extended weekday and Saturday hours.
Data compiled from public sources
M&M Pawn Shop is a pawn operation located in Houston, Texas at 4628 N McCarty Street in the 77013 zip code. The business operates as a traditional pawn shop, providing collateral-based lending services to consumers in the greater Houston area. Pawn shops serve as an alternative financial service for individuals who need quick access to cash by pledging personal items of value as security for short-term loans.
M&M Pawn Shop maintains consistent operating hours throughout the week to serve its customer base. The business is reachable by phone at (713) 674-5224 for inquiries about loan terms, eligible items, or general information. M&M Pawn Shop distinguishes itself through its accessible location in north Houston and reliable operating schedule that spans six days per week.
The shop opens at 8:30 AM on weekdays and Saturdays, closing at 6:00 PM, providing customers with a full business day to visit and conduct transactions. This extended availability compared to some alternative financial service providers makes it convenient for working individuals. A key caveat for consumers is that pawn loans involve surrendering personal property as collateral, and failure to repay results in forfeiture of the pledged items.
Consumers should contact the business directly to understand the complete terms of service before pledging valuable items.
This is state-level context for Pawn Shops consumers in Houston, TX. It does not confirm that M&M Pawn Shop or this specific location is licensed.
State regulator
Texas Office of Consumer Credit Commissioner
Consumer protection
Short-term lending status: Legal
General rate context: 10% for written contracts (18% default); payday/auto title loans regulated as credit access businesses
Texas allows payday and auto title lending through the Credit Access Business model, which lacks state-level fee caps. Several cities have enacted local ordinances to limit loan amounts and rollovers. Consumers can file complaints with the Office of Consumer Credit Commissioner or the Attorney General.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
M&M Pawn Shop offers 12 services including Collateral-based pawn loans, Item evaluation for loan eligibility, Short-term secured lending, Cash advances against personal property, Item storage and safekeeping during loan term, and 7 more.
M&M Pawn Shop has profile signals associated with Individuals researching short-term cash access who own valuable items (jewelry, electronics, tools), People seeking short-term loans with eligibility claims to verify or complex applications, Consumers in the Houston area with accessible transportation to N McCarty location, Those comfortable with collateral-based lending and item forfeiture risk.
Key strengths: Open 6 days per week with extended hours (8:30 AM - 6:00 PM) for customer convenience; Accessible north Houston location at 4628 N McCarty St; Direct phone line (713) 674-5224 available for customer inquiries. Areas to consider: No online presence or website with service details, rates, or terms information; Requires surrendering personal property as collateral with risk of permanent loss if loan not repaid.
In the Pawn Shops category, comparable providers include Gold Star Finance, TitleMax Title Loans, TitleMax Title Loans. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
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CreditDoc Profile Note
M&M Pawn Shop is profile signals for Houston-area consumers who own valuable items and are researching short-term cash access without credit evaluation or lengthy application processes. The primary caveat is the lack of publicly available information about rates, terms, and fees—consumers must contact the shop directly before pledging items, and they assume the risk of losing personal property if unable to repay the loan.
Gold Star Finance offers installment signature loans from $200–$1,700 across 68+ Texas locations. Established 1978, they focus on accessible small loans for consumers with imperfect credit.
Profile signals: Texas residents with poor/fair credit needing $200–$1,700 for immediate expenses, Borrowers seeking installment loans over payday/title loans with longer repayment terms
In Carrollton, TX, TitleMax Title Loans at 2717 E Belt Line Rd provides title-loan profile details with rate claims to verify and flexible repayment terms.
Profile signals: Vehicle owners with poor or no credit who own a paid-off car or motorcycle and are researching short-term cash access, Borrowers who need provider-stated funding timing and may not meet traditional bank-loan criteria or credit cards
Irving, TX's TitleMax Title Loans at 2720 N Belt Line Rd provides quick title-secured loans for customers researching emergency-cash options.
Profile signals: Consumers with poor or no credit history who own a paid-off vehicle outright, People needing same-day cash access who cannot qualify for a bank loan or credit card
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