Hernandez Jewelers & Pawn logo

Hernandez Jewelers & Pawn

3.9/5

Pawn shop in Phoenix offering collateral-based loans and jewelry/gold buying. 4.4-star rated with 82 reviews.

Editorially reviewed by Harvey Brooks

Free to Use BBB: NR Free Consultation Visit Website

Hernandez Jewelers & Pawn Review

Hernandez Jewelers & Pawn is a pawn shop located in Phoenix, Arizona, serving the local community from its South Central Avenue location. The business operates as a traditional pawn operation, combining jewelry retail with collateral-based lending services. With a 4.4-star rating across 82 Google reviews, the shop has established a presence in the Phoenix market with consistent customer feedback. The business model reflects the dual-revenue pawn shop structure: accepting items as collateral for short-term loans while also buying and selling jewelry and other goods. Hernandez Jewelers & Pawn specifically emphasizes jewelry and gold, suggesting specialization in precious metal transactions alongside general pawn services. The company maintains regular business hours Monday through Wednesday from 9AM-6PM, with phone accessibility at 602-276-6933 for customer inquiries. As a pawn shop, the business serves individuals seeking quick cash access without credit checks or lengthy approval processes. The 4.4-star rating suggests above-average customer satisfaction relative to the pawn industry, though the limited dataset of reviews should be considered when evaluating consistency. The business does not appear to offer alternative financial products like personal loans, debt relief, or credit building services—it operates strictly within the pawn and jewelry retail space. Customers should note that pawn transactions are inherently short-term and carry redemption deadlines; failure to redeem within the specified period results in forfeiture of the pledged item. The specific services and loan terms are not detailed on the listing, requiring direct contact for current rates, item acceptance policies, and redemption timelines.

Services & Features

Pawn loans (collateral-based)
Jewelry buying and liquidation
Gold buying and precious metal transactions
Item redemption services
In-person appraisal services
Cash advancement against personal property
Jewelry retail sales

Feature Checklist

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

Pros & Cons

Pros

  • 4.4-star Google rating based on 82 customer reviews indicates above-average satisfaction
  • No credit check required for pawn loans—accessible to consumers with poor or no credit
  • Specializes in jewelry and gold, suggesting expertise in precious metal valuation
  • Convenient South Central Phoenix location with regular operating hours
  • Fast cash access through collateral-based lending without lengthy approval
  • Established business with documented customer feedback and community presence

Cons

  • Limited business hours (9AM-6PM Mon-Wed; hours incomplete for other weekdays) may not accommodate all customers
  • No information available about current interest rates, loan terms, or redemption periods
  • Website listing lacks details on accepted items, maximum loan amounts, or fees
  • Pawn loans are short-term by nature; forfeiture risk if unable to redeem within deadline
  • No online application or rate quotes available; requires in-person or phone contact

Rating Breakdown

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

Frequently Asked Questions

Is Hernandez Jewelers & Pawn legitimate?

Yes. Hernandez Jewelers & Pawn is a registered company headquartered in 3428 S Central Ave, Phoenix, AZ 85040. They hold a NR rating with the Better Business Bureau.

Quick Facts

Headquarters
3428 S Central Ave, Phoenix, AZ 85040
BBB Rating
NR
BBB Accredited
No
Starting Price
Free to Use
Setup Fee
None
Free Consultation
Yes
Money-Back Guarantee
No
Visit Hernandez Jewelers & Pawn

CreditDoc Diagnosis

Doctor's Verdict on Hernandez Jewelers & Pawn

Hernandez Jewelers & Pawn is best for consumers who own jewelry or gold and need fast cash without credit evaluation, or those seeking short-term collateral loans. The primary caveat is that pawn loans carry strict redemption deadlines and forfeiture risk; customers must be prepared to repay within the specified timeframe or lose their pledged items permanently.

Best For

  • Consumers needing immediate cash who prefer not to undergo credit evaluation
  • Individuals with jewelry or gold to liquidate quickly for cash
  • People seeking short-term collateral-based loans without bank requirements
Updated 2026-04-01

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