1 Stop Pawn Shop is a West Memphis, AR-based firearms and outdoor gear retailer offering in-house retail financing with APRs from 15.99-23.99% on purchases from $500+.
Editorially reviewed by Harvey Brooks
1 Stop Pawn Shop operates as a specialized firearms and outdoor equipment retailer located in West Memphis, Arkansas. While categorized as a pawn shop, the available website content reveals a retail operation focused on selling new and used firearms, ammunition, optics, knives, and tactical gear rather than traditional pawn lending against collateral. The business maintains an e-commerce platform and accepts retail financing applications.
The company's primary offering is a retail financing program administered through U.S. Credit, Inc., enabling customers to finance purchases of $500 or more at fixed APRs between 15.99% and 23.99% (based on FICO score) over 18-48 month terms. They offer a "Special Financing" or same-as-cash option for purchases $1,000+ with no interest if paid in full within a promotional period. Financing requires credit approval, and customers can maintain up to two open loans simultaneously with a 60-day approval window to utilize credit.
1 Stop Pawn Shop distinguishes itself through an extensive product catalog spanning firearms categories (handguns, rifles, shotguns, lower receivers), ammunition, optical equipment (scopes, red dots, night vision, thermal), tactical gear (body armor, holsters, mag pouches), knives, and survival supplies. The retailer appears to cater to firearms enthusiasts, hunters, and tactical operators rather than general consumers. Their financing structure includes no application fees, no money down requirements, and no prepayment penalties.
The business model relies on retail financing rather than traditional collateral-based pawning. The financing program carries moderate-to-high interest rates typical of non-prime consumer lending. Customer service is limited to email and phone contact, with no apparent physical storefront information provided on the website.
Yes. One Stop Pawn Shop is a registered company headquartered in 1985 Kroger Dr, West Memphis, AR 72301. They hold a NR rating with the Better Business Bureau.
CreditDoc Diagnosis
1 Stop Pawn Shop is best for firearms and tactical gear buyers with fair-to-good credit who need installment financing and accept moderate-to-high APRs. The critical caveat is that Special Financing promotions are high-risk (forfeiture if any payment is 15+ days late) and APRs of 15.99-23.99% are substantially more expensive than traditional personal loans—suitable only for buyers without prime credit access.
ACE Cash Express offers small emergency loans, title loans, check cashing, and financial services with multiple locations across the U.S.
Best for: Consumers needing immediate cash access who have limited access to traditional banking, Individuals with poor or no credit history seeking small emergency loans
Rely-A-Pawn is a West Memphis, AR pawn shop offering collateral-based loans and buying services for jewelry, electronics, tools, guns, and other items since 2008.
Best for: Consumers who need immediate cash and have valuable items as collateral, People without access to traditional credit or who prefer not to use credit
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