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Cash America Pawn in Garfield Heights, OH

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Garfield Heights, OH's Cash America Pawn at 12700 Rockside Rd offers quick cash loans and sales on jewelry, electronics, tools, and collectibles with convenient weekday and Saturday hours.

Data compiled from public sources

Cash America Pawn Review

Cash America Pawn's Garfield Heights location sits at 12700 Rockside Rd, a standalone shop serving residents of this southeast Cleveland suburb. The store operates Monday through Friday from 10 AM to 6 PM, with Saturday hours from 10 AM to 5 PM, and is closed Sundays. This accessible location makes it convenient for quick visits whether you are researching short-term cash access or want to browse pre-owned merchandise.

This Garfield Heights, OH pawn shop provides short-term cash access loans on items like jewelry, electronics, tools, and collectibles, as well as outright sales. Whether you're looking to pawn an item for a short-term loan, sell something for cash, or find deals on quality pre-owned goods, the knowledgeable staff can help determine what your items are worth. Call 216-581-4650 to speak with the team about your items or to ask questions before you visit.

If you're a Garfield Heights resident facing unexpected expenses, Cash America Pawn offers a fast alternative to traditional banks or credit cards. Bring your ID and the items you want to pawn or sell, and you can walk out with cash the same day. eligibility claim to verify—pawn loans are based on item value, not your credit history.

Services & Features

Gold and precious metal buying for cash
Inventory browsing and merchandise search
Layaway plans with 10% down payment
Lease-to-own financing through subsidiary AFF network
Non-recourse lending (no personal liability)
Pawn loans secured by personal property
Point-of-sale payment solutions
Retail finance payment solutions at 15,000+ merchant partner locations
Retail sales of jewelry, electronics, tools, and merchandise
Store locator service for finding nearest location
Wide-variety collateral acceptance

Feature Checklist

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

Pros & Cons

Pros

  • 3,300+ locations across 29 U.S. states, D.C., U.K., and Latin America provides convenient access
  • Instant cash funding with eligibility claim to verify or income verification required
  • Non-recourse loans mean no personal liability beyond loss of collateral
  • Accepts wide variety of items (jewelry, electronics, tools, appliances, instruments, sporting goods)
  • Layaway service available with affordable 10% down payment option
  • Gold and precious metal buying service for customers with short-term cash needs
  • Large established company with 22,000+ employees and S&P MidCap 400 listing provides stability

Cons

  • Implicit cost structure: customers lose use of valuable items and typically repurchase at higher prices than loan amount
  • Non-recourse loans mean collateral forfeiture after default—no debt obligation but loss of property
  • Retail inventory from pawned items means merchandise quality and selection vary by location and time
  • Physical surrender of items creates inconvenience and emotional cost of losing personal property
  • Loan terms and interest rates not disclosed on website—require visiting store location to determine actual cost

State Consumer Finance Context

This is state-level context for Pawn Shops consumers in Garfield Heights, OH. It does not confirm that Cash America Pawn or this specific location is licensed.

State regulator

Ohio Department of Commerce Division of Financial Institutions

Money services context in Ohio

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.

Key state rules to check

  • HB 123 (2018) reformed payday lending with 28% APR cap plus a monthly maintenance fee.
  • Short-term loans capped at $1,000 with minimum term of 91 days.
  • Monthly maintenance fee of up to 10% of original principal (max $30/month).

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Frequently Asked Questions

What services does Cash America Pawn offer?

Cash America Pawn offers 11 services including Pawn loans secured by personal property, Retail sales of jewelry, electronics, tools, and merchandise, Gold and precious metal buying for cash, Layaway plans with 10% down payment, Lease-to-own financing through subsidiary AFF network, and 6 more.

What profile signals are listed for Cash America Pawn?

Cash America Pawn has profile signals associated with Consumers researching short-term cash access who own valuable items and lack access to traditional credit, Individuals in urgent financial situations (medical bills, unexpected expenses) who need provider-stated funding timing, People with poor or no credit history who may not meet personal-loan or credit-card criteria, Customers seeking to buy discounted merchandise from pawn inventory.

What are the strengths and weaknesses of Cash America Pawn?

Key strengths: 3,300+ locations across 29 U.S. states, D.C., U.K., and Latin America provides convenient access; Instant cash funding with eligibility claim to verify or income verification required; Non-recourse loans mean no personal liability beyond loss of collateral. Areas to consider: Implicit cost structure: customers lose use of valuable items and typically repurchase at higher prices than loan amount; Non-recourse loans mean collateral forfeiture after default—no debt obligation but loss of property.

How does Cash America Pawn compare to similar companies?

In the Pawn Shops category, comparable providers include 5th Street Pawn LLC, A & a Pawn Shop, Alliance Loan Company. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Headquarters
12700 Rockside Rd, Garfield Heights, OH 44125
BBB Accredited
No
Visit Cash America Pawn

CreditDoc Profile Note

Research Note on Cash America Pawn

FirstCash is profile signals for unbanked or credit-constrained consumers facing short-term cash access emergencies who own valuable collateral and lack access to traditional lending. The main caveat is that pawn loans create opportunity cost through loss of item use, implicit markup when repurchasing items, and ultimate loss of collateral if unable to repay—making this suitable only for true emergency situations rather than routine borrowing.

Profile Signals

  • Consumers researching short-term cash access who own valuable items and lack access to traditional credit
  • Individuals in urgent financial situations (medical bills, unexpected expenses) who need provider-stated funding timing
  • People with poor or no credit history who may not meet personal-loan or credit-card criteria
  • Customers seeking to buy discounted merchandise from pawn inventory
Updated 2026-05-08

Similar Companies

5th Street Pawn LLC logo

5th Street Pawn LLC

5th Street Pawn LLC is a pawn shop located in Marysville, Ohio, offering collateral-based loans and buying/selling of merchandise.

BBB: NR

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

A & a Pawn Shop logo

A & a Pawn Shop

A & A Pawn Shop in Lancaster, OH offers collateral-based loans and pawn services. Located on N Memorial Drive with phone support available.

BBB: NR

Profile signals: Local Lancaster residents researching short-term cash access against valuable collateral, Consumers without credit history or poor credit seeking collateral-based loans

Alliance Loan Company logo

Alliance Loan Company

Licensed pawn shop operating two Northeast Ohio locations since 1990, buying, selling, and lending against jewelry, firearms, instruments, tools, and other valuables.

BBB: NR

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

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Quick Summary

  • Cash America Pawn is listed as a Pawn Shops provider in Garfield Heights, OH on CreditDoc.
  • Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
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