Money Tree Pawn logo

Money Tree Pawn

3.9/5

Money Tree Pawn is a federally licensed pawnbroker in Houston, TX offering collateral-based loans on firearms and other items through their FFL license.

Editorially reviewed by Harvey Brooks

Free to Use BBB: NR Free Consultation Visit Website

Money Tree Pawn Review

Money Tree Pawn operates as C E King Jewelry & Loan LLC, a pawn shop located at 7310 S Lake Houston Parkway in Houston, Texas. The business is licensed by the Bureau of Alcohol, Tobacco, Firearms, and Explosives (ATF) under Federal Firearms License number 5-76-201-02-8C-03849, which is valid through March 1, 2028. This licensing indicates the business operates as a pawnbroker specifically authorized to handle firearms transactions other than destructive devices.

Money Tree Pawn provides collateral-based lending services typical of pawn shops, accepting items of value as security for short-term loans. The company's name and licensing structure suggest they deal in jewelry, firearms, and other pawnable goods. Their FFL license is current and verified through the ATF's eZ Check system, which validates both the license legitimacy and shipping information for firearm transfers.

The business distinguishes itself through federal compliance and proper ATF licensing, meaning they meet strict regulatory requirements for firearms handling and record-keeping. They are accessible via phone at 281-741-2774 and maintain both a business and mailing address at the same Lake Houston location, suggesting a stable, physical storefront operation in the Houston area.

Money Tree Pawn is suitable for consumers seeking quick cash in exchange for collateral, particularly those with firearms or jewelry. However, pawn loans typically charge high interest rates and have short repayment windows (usually 30-90 days), making them a high-cost borrowing option best reserved for emergency situations when other lending is unavailable. The website provides limited operational detail beyond licensing information.

Services & Features

Collateral-based pawn loans
Firearms pawn transactions (non-destructive devices)
Jewelry loans
Federal Firearms License (FFL) transfers
Firearms holding and record-keeping
In-person pawn shop services
Phone-based customer inquiries
ATF-compliant firearm transfer documentation

Feature Checklist

Credit Education
Identity Theft Protection
Score Tracking
Mobile App
Online Portal
Personal Advisor

Pros & Cons

Pros

  • Holds current, valid ATF Federal Firearms License (expires March 1, 2028) demonstrating regulatory compliance
  • Licensed specifically as a Type 02 Pawnbroker authorized to handle firearms transactions
  • Verified through ATF's eZ Check system for legitimate firearm transfer operations
  • Physical storefront location in Houston provides in-person service and immediate transactions
  • Direct phone line available (281-741-2774) for customer inquiries
  • Handles firearms and jewelry, offering collateral options for multiple asset types

Cons

  • Website provides minimal information about loan terms, interest rates, or repayment periods
  • Pawn loans are inherently high-cost borrowing compared to traditional credit products
  • No information available about fees, minimum/maximum loan amounts, or required documentation
  • Limited online presence or customer service details beyond phone contact
  • Typical pawn model carries risk of losing collateral if unable to repay within short timeframe

Rating Breakdown

Value
5.0
Effectiveness
3.5
Customer Service
3.7
Transparency
3.5
Ease of Use
3.9

Frequently Asked Questions

Is Money Tree Pawn legitimate?

Yes. Money Tree Pawn is a registered company headquartered in 7310 S Lake Houston Pkwy, Houston, TX 77049. They hold a NR rating with the Better Business Bureau.

Quick Facts

Headquarters
7310 S Lake Houston Pkwy, Houston, TX 77049
BBB Rating
NR
BBB Accredited
No
Starting Price
Free to Use
Setup Fee
None
Free Consultation
Yes
Money-Back Guarantee
No
Visit Money Tree Pawn

CreditDoc Diagnosis

Doctor's Verdict on Money Tree Pawn

Money Tree Pawn is best for Houston-area residents with firearms or jewelry who need emergency cash quickly and cannot access traditional credit. Primary caveat: pawn loans carry very high costs and short repayment windows; this should only be used as a last-resort emergency option, not regular borrowing, and borrowers risk permanent loss of their collateral.

Best For

  • Consumers with firearms or jewelry needing immediate emergency cash
  • Those who cannot qualify for traditional credit but have valuable collateral
  • Individuals seeking short-term liquidity without credit checks or lengthy approval processes
Updated 2026-04-01

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