Pawn Shop Heritage Jewelry and Loan
Pawn shop & jewelry buyer with half price 10% cash loans.
4522 hwy 6 south
Sugar Land
United States



The Original 10% Pawn Loan Source in Sugar Land & Missouri City

281-265-6747  MON - FRI: 10:00am - 6:00pm SAT:10:00am - 5:00pm

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Pawn Shop - Heritage Jewelry & Loan

Serving Sugar Land, Missouri City, Rosenberg, Richmond, Stafford and Houston Areas

 Pawn Industry Changes

In the Fort Bend County area for the better.



Cash Loans Up To $16,750.00


Lowest Charged Interest Rates of 10% (120%APR)


Borrow Money on Anything of Value


Sell Us Your Unwanted Jewelry


Broken Gold / Scrap Gold & Silver Buyers


Watch Repairs  & Restorations


Diamond Buyers & Sellers


Watch Buyers & Sellers


Vintage Stereo Buyers


Guitar & Musical Instrument Buyers


Silver Coin Buyers & Sellers




Heritage Jewelry and Loan is a pawn shop operating in the Sugar Land  Texas area providing  loans up to $16,750.00 secured by customer's collateral.  We were tired of hearing about customers getting turned down by other lenders because their employees didn't know the real value of their collateral.  We decided to do something about that and spent thousands of hours teaching our staff to become experts on jewelry, watches, electronics, antiques and just about anything that can be researched on the Internet.  Gone are the days of the arbitrary decision making being made about the value of your things.  We here at Heritage Jewelry and Loan take the time and walk the customer through the entire process, explaining to them how we came up with the value. The way a things should be done in the digital age.  Our goal is simple, to lend the most money we can, so there isn't a reason to short change our valued customers.  With that in mind, there's NEVER any CREDIT CHECKS or limits to the amount of money we can let an individual borrow. Everything is based on the value of the collateral that is pledged to secure the loan. All  transactions are held in the strictest of confidence.





We let customers borrow cash on anything of value!  Jewelry, gold, electronics, coins,  antiques, guitars, musical equipment, sunglasses, watches, and much more.  Call for more details!





All payments can be made by either cash , credit cards, or debit cards.


Your interest rate will always stay the same.


There are no hidden fees with any loans. You only pay the interest and principle.


Heritage Jewelry and Loan is family owned and operated and has been in the fine jewelry and watch business since 1998.



There are a lot of places to go to borrow money out there, we want to be the one you go to first.  Heritage Jewelry and Loan gladly serves our clients from the Sugar Land, Missouri City, Stafford, Richmond, Rosenberg, and the greater Houston areas.



Heritage Jewelry and Loan's loans are designed with the consumer in mind.  There are no fees to originate the loan or maintain the loan other than the interest payments due after 60 days.  All loans are 60 days in length and can be renewed for additional 30 days at a time. These extensions are not automatic and must be imitated by the customer. We are the only store in Texas that is allowed to take credit cards for payments for extensions, so the extension process can be done via Paypal or over the phone.  There are no fees for doing the extensions other than 30 days worth of interest.  All loans can be picked up at any time and interest is charged per diam, or per day for ease of pickup.  If a customer chooses to not pick up a loan, there are no consequences for the borrow other than the forfeiture of their pledged item.  No credit implications at all, these type of loans DO NOT affect the borrowers credit score.  No changes in the interest rate are allowed to borrowers, all borrows are charged the same rate regardless of past payments.  For up to date information on the amount owed to extend your loan, please contact our office at 281-265-6747, we are glad to help.



Shops like Heritage Jewelry and Loan specialize in helping folks out when everyone else has said no.  We understand that everyone who walks in that door in search of help want to get in and out and be treated with dignity and respect.  We promise that you will receive nothing less than our best at every moment during your visit.

Copyright 2015 Heritage Jewelry and Loan 281-265-6747  4522 Hwy 6 South, Sugar Land Texas 77478

                       MON- FRI 10:00am - 6:00pm, SAT 10:00am - 5:00pm



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Heritage Jewelry and Loan is licensed in the State of Texas by the Texas Office of Consumer Credit Commissioner to lend money to consumers backed by consumers collateral.  We are governed by the  Chapter 371, Texas Finance Code: Pawnshops  and Title 7, Chapter 85, Texas Administrative Code  and all Federal statutes as they apply.
Heritage Jewelry and Loan charges 10% per month (120% APR) with no other associated fees for loans $1.00 - $1,340.00,  1.5% per month (30% APR) for loans $1,340.01 - $2,010.00, and 1.0% (12%APR) for loans $2,010.01 - $16,750.00.
All loans are for a term of 60 days with a 7 day grace period and are based on a single item, not a combination of items. All rates are regulated by the State of Texas for what can be charge, a complete list is of rates and daily breakdowns is available here.   No additional fees are charged and can be charged in reference to any transaction other than a $1.00 "lost ticket" fee.
Heritage Jewelry and Loan are members in good standing with the Better Business Bureau , the National Pawnbrokers Association, Central Fort Band Chamber of Commerce.
Complaints about the operation of the business can be filed with the Texas Office of Consumer Credit Commissioner Consumer Help site.

 History of Lending


The lending of money is as old as the world itself.  It is unclear which civilization started what we are used to today, but it is clear that almost every society had some sort rules regulating the borrowing of money and how it should be done.  For example, some of the earliest rules where written in Mosiac Law, where the Jews were not allowed to charge interest to poor persons and fellow Jews. However, they were allowed to charge interest to the Gentile community. What is very interesting is that this law seemingly was borrowed by the newly founded Christian community and lending at interest was forbidden until the Protestant Reformation.



Now like I said earlier, almost every culture and society had some form of lender working within society. However, were we really start to see a true transformation during the Roman times and many of the laws that were put forth stayed into effect until today. Like with so many things, the Roman jurisprudence was way ahead of its time.  For example, the pledging of certain assets, like cloths, tools and furniture was strictly forbidden. The idea was that the poor needed basic items to survive, and that pledging them would make it impossible for the borrow to work or live to repay the debt.  It was these protections that started the change that made efforts to balance the playing field for borrowers and lenders. Another idea that was ahead of it's time, the Roman's would take excess capital that would come from thieves and lend it out to the poor without charging interest.  Could you imagine a system where the government would lend confiscated drug money to the poor for no interest?


From Wikipedia:


   "In Italy, but in more modern times, the pledge system that became almost universal on the continent of Europe arose. In its origin that system was purely benevolent, the early "monts de piete" established by the authority of the popes lending money to the poor only, without interest, on the sole condition of the advances being covered by the value of the pledges. This was virtually the Augustan system, but it is obvious that an institution that costs money to manage and derives no income from its operations must either limit its usefulness to the extent of the voluntary support it can command, or must come to a speedy end.


In 1198 something of the kind was started at Freising in Bavaria.


In 1350 a similar endeavour was made at Salins in Franche-Comté, where interest at the rate of 7½% was charged.


Nor was England backward, for in 1361 Michael Northbury, or de Northborough, bishop of London, bequeathed 1000 silver marks for the establishment of a free lending shop.


These primitive efforts, like the later Italian ones, all failed. The Vatican was therefore constrained to allow the Sacri monti di pietà (satisfactory derivation of the phrase has yet been suggested) to charge sufficient interest to their customers to enable them to pay for expenses. Thereupon a learned and tedious controversy arose upon the lawfulness of charging interest, which was only finally set at rest by Pope Leo X, who in the tenth sitting of the First Council of the Lateran, declared that the lenders were a lawful and valuable institution, and threatened with excommunication those who should presume to express doubts on the subject. The Council of Trent inferentially confirmed this decision, and at a somewhat later date we find St Charles Borromeo counseling the establishment of state or municipal pawnshops.


Long before this, however, monti di pietà commonly charged interest for loans in Italy. The date of their establishment was not later than 1464, when the earliest of which there appears to be any record in that country—it was at Orvieto—was confirmed by Pius II. Three years later another was opened at Perugia by the efforts of two Franciscans, Barnabus Interamnensis and Fortunatus de Copolis. They collected the necessary capital by preaching, and the Perugian money lending shop was opened with such success that there was a substantial balance of profit at the end of the first year.


The Dominicans endeavored to preach down the lending-house, but without avail. Viterbo obtained one in 1469, and Sixtus IV confirmed another to his native town in Savona in 1479.


After the death of Brother Barnabus in 1474, a strong impulse was given to the creation of these establishments by the preaching of another Franciscan, Father Bernandino di Feltre, who was in due course canonized. By his efforts monti di pietà were opened at Assisi, Mantua, Parma, Lucca, Piacenza, Padua, Vicenza, Pavia and a number of places of less importance.


At Florence the veiled opposition of the municipality and the open hostility of the Jews prevailed against him, and it was reserved to Savonarola, a Dominican, to create the first Florentine lending shop, after the local theologians had declared that there was no sin, even venial, in charging interest. The readiness of the popes to give permission for lenders all over Italy, makes it the more remarkable that the papal capital possessed nothing of the kind until 1539, and even then owed the convenience to a Franciscan.


From Italy these types of shops spread gradually all over Europe. Augsburg adopted the system in 1591, Nuremberg copied the Augsburg regulations in 1618, and by 1622 it was established at Amsterdam, Brussels, Antwerp and Ghent. Madrid followed suit in 1705, when a priest opened a charitable hop with a capital of five pence taken from an alms-box."


So where has this all lead us as an industry?  The answer is very simple,  a well regulated industry that balances the power between lender and borrower.  Lets take a look at Texas. Like most States, Texas regulates the way a shop can operate. They ensure that the lender carry insurance, have alarms, and regulate the amount of interest that is allowed by law. What is more important, is that redress of grievances. The State of Texas, through the Office of Consumer Credit commissioner, has set up a system for consumer who are wronged to get legal help.  This is great for the consumer as well as the lender leading to more transparency and responsibility for the lender.  Again, this is a good thing, as this type of lending is a crucial part of the economy. The latest figures state that on average, the industry serves more than 30 million customers per year with an average loan of over $100.00 per transaction.  Without this vital form of immediate funding, a large part of the economy would grind to a halt.


It has come a long way since its earliest days, but this type of lending has proven to be a lasting and needed business for millions of hard working people who have been told no by traditional banks.  Thankfully for the consumer, protection acts have been established and guarantee that they get a fair and protected  deal.