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A & A Pawn Shop in Lancaster, OH offers collateral-based loans and pawn services. Located on N Memorial Drive with phone support available.
Data compiled from public sources
A & A Pawn Shop operates as a traditional pawn operation in Lancaster, Ohio, serving the local community's collateral-based lending needs. The business is physically located at 1133 N Memorial Drive in Lancaster, OH 43130, making it accessible to residents in the area. Like standard pawn shops, the company facilitates quick access to cash by accepting personal items of value as collateral.
The shop maintains direct customer contact through phone support at (740) 681-7296 for inquiries and transactions. A & A Pawn Shop positions itself within the broader pawn industry, which serves consumers who need immediate liquidity with eligibility claims to verify or traditional loan approval processes. The business model relies on accepting merchandise—typically jewelry, electronics, musical instruments, and other valuables—and providing short-term loans secured by those items.
Customers have the option to reclaim their items by repaying the loan plus interest and fees, or the shop retains the merchandise for resale. The pawn shop format appeals to consumers seeking alternatives to traditional lending when facing urgent expense research. However, the available online information is limited to basic business directory data.
This lack of detailed information limits assessment of what specifically distinguishes A & A Pawn Shop from competitors. No customer reviews, testimonials, or service descriptions are visible in the provided source material. The business appears to maintain a standard pawn shop operation without extensive online marketing or detailed service documentation.
This is state-level context for Pawn Shops consumers in Lancaster, OH. It does not confirm that A & a Pawn Shop or this specific location is licensed.
State regulator
Ohio Department of Commerce Division of Financial Institutions
Consumer protection
Short-term lending status: Restricted
General rate context: 28% APR cap on short-term loans (HB 123, 2018); 8% general usury
Ohio reformed payday lending in 2018 with HB 123, capping APR at 28% and requiring minimum 91-day terms. A statewide database prevents borrower abuse. The Division of Financial Institutions regulates consumer lenders, and consumers can file complaints with the Division or the Attorney General.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
A & a Pawn Shop offers 8 services including Collateral-based pawn loans, Cash advances secured by personal items, Short-term lending, Item evaluation and appraisal, Loan term negotiations, and 3 more.
A & a Pawn Shop has profile signals associated with Local Lancaster residents researching short-term cash access against valuable collateral, Consumers without credit history or poor credit seeking collateral-based loans, Individuals with urgent short-term cash needs and disposable items to pledge.
Key strengths: Local brick-and-mortar location in Lancaster, Ohio provides in-person service; Direct phone contact available at (740) 681-7296 for customer inquiries; eligibility claim to verify—pawn loans based on collateral value only. Areas to consider: Limited online information available about rates, terms, and specific services; No published interest rates, fees, or loan term details on accessible sources.
In the Pawn Shops category, comparable providers include 5th Street Pawn LLC, Alliance Loan Company, American Trading Company. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
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CreditDoc Profile Note
A & A Pawn Shop is profile signals for Lancaster-area residents who are researching short-term cash access and have valuable items to pledge as collateral, particularly those unable to qualify for traditional credit. The main caveat is the complete absence of published rate, fee, and term information online—customers must contact the shop directly to understand borrowing costs and conditions.
5th Street Pawn LLC is a pawn shop located in Marysville, Ohio, offering collateral-based loans and buying/selling of merchandise.
Profile signals: Consumers with short-term cash needs and valuable items to pledge as collateral, Individuals with poor credit who cannot access traditional bank loans
Licensed pawn shop operating two Northeast Ohio locations since 1990, buying, selling, and lending against jewelry, firearms, instruments, tools, and other valuables.
Profile signals: Consumers with items of value who are researching short-term cash access and can redeem collateral, Buyers seeking discounted used merchandise and name-brand goods at below-retail prices
Cincinnati-based buyer and pawn shop specializing in gold, jewelry, rare coins, and firearms with 50+ years of experience across two locations.
Profile signals: Cincinnati residents with physical gold, jewelry, or watches researching short-term cash access, Collectors of rare coins or numismatic items seeking evaluation context and sale
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