FirstCash is the leading international pawn shop operator with 3,300+ locations across 29 U.S. states, the UK, and Latin America, offering pawn loans, retail sales, and gold buying services.
Editorially reviewed by Harvey Brooks
FirstCash, Inc. is headquartered in Fort Worth, Texas and operates as the leading international pawn shop chain with more than 3,300 retail locations. The company was founded to serve cash and credit-constrained consumers through a network spanning 29 U.S. states, the District of Columbia, the United Kingdom, and Latin America (Mexico, Guatemala, Colombia, and El Salvador). FirstCash is publicly traded and included in both the Standard & Poor's MidCap 400 Index and the Russell 2000 Index, employing approximately 22,000 people globally.
FirstCash's core business model centers on pawn loans—small, non-recourse loans secured by pledged personal property—and retail sales of merchandise. The company buys and sells a wide variety of items including jewelry, electronics, tools, appliances, sporting goods, and musical instruments. Beyond traditional pawn lending, FirstCash offers layaway services (10% down payment required), gold and precious metal buying, and retail merchandise sales. Through its subsidiary AFF, the company also provides lease-to-own and retail finance payment solutions through over 15,000 merchant partner locations nationwide.
What distinguishes FirstCash is its massive scale as the dominant international pawn operator with more locations than any competitor, combined with its public company status and inclusion in major indices. The company operates a sophisticated retail network with an online store locator, inventory browsing capabilities, and standardized pawn loan processes across locations. Their integration of AFF's payment solutions platform demonstrates diversification beyond traditional pawn operations into broader consumer finance technology.
For consumers, FirstCash provides quick access to cash through collateral-based lending without credit checks, making it accessible to those with poor or no credit history. However, pawn loans involve surrendering personal property, and interest rates on pawn loans are typically high compared to traditional loans. The company's scale ensures availability in many markets, but loan terms, fees, and merchandise quality may vary by location.
Yes. SuperPawn is a registered company headquartered in 2707 W Southern Ave, Tempe, AZ 85282. They hold a NR rating with the Better Business Bureau.
CreditDoc Diagnosis
FirstCash is best for cash-constrained consumers with valuable collateral who need immediate funds without a credit check, but they should understand that pawn loans carry high interest rates and risk loss of personal property. The company's massive scale ensures accessibility, but borrowers should compare terms across multiple locations and carefully evaluate whether a pawn loan is preferable to other emergency lending options like credit union PALs or payday alternatives.
FirstCash is the leading international operator of pawn stores with 3,300+ locations across 29 U.S. states, the UK, and Latin America, offering non-recourse pawn loans secured by personal property.
Best for: Individuals with valuable items (jewelry, electronics, musical instruments) who need emergency cash quickly, Credit-constrained consumers unable to qualify for traditional personal or payday loans
Tempe Pawn & Gold is a collateral-based lender and precious metals buyer offering pawn loans, title loans, and cash for gold, jewelry, and electronics in the Phoenix metropolitan area.
Best for: Consumers needing emergency cash in 24-48 hours without credit checks (e.g., medical bills, urgent repairs), People with items of value (jewelry, electronics, tools) they can temporarily part with and later reclaim
Speedy Cash offers payday loans, title loans, installment loans, and check cashing services across 30+ states with same-day funding for emergency cash needs.
Best for: Workers facing a one-time emergency (medical bill, car repair, eviction notice) with documented income and ability to repay by next payday, Borrowers who own vehicles and need larger loans ($1,000+) and prefer installment repayment over lump-sum payday obligation
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