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Cash America Pawn in Independence, MO

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Independence, MO's Cash America Pawn location on E US Hwy 24 offers pawn loans and used merchandise sales 6 days a week.

Data compiled from public sources

Cash America Pawn Review

Cash America Pawn in Independence, MO is located at 11501 E US Hwy 24, a convenient spot on the city's east side near the highway. This standalone pawnshop is open Monday through Friday from 9 AM to 7 PM, with Saturday hours from 9 AM to 4 PM, and closed on Sundays.

At this Independence location, you can pawn personal items for short-term cash access, purchase previously owned merchandise, or sell items outright. Whether you need short-term funds or are looking for deals on used goods, the knowledgeable staff can help. Call 816-836-9994 to ask about specific items or get more details about the pawn process.

If you live or work in Independence, MO and are researching short-term cash access with eligibility claims to verify, this Cash America Pawn branch is accessible right off US Hwy 24. Bring a valid ID and the item you want to pawn or sell—transaction times are fast, and the team can often complete deals within minutes.

Services & Features

General merchandise buying ("We buy almost anything of value")
Gold and precious metal buying with immediate cash payment
Layaway service with 10% down payment option
Lease-to-own and retail finance solutions through AFF subsidiary and 15,000+ merchant partners
Online store locator with 2,500+ store locations
Pawn FAQ and educational resources
Pawn loans secured by pledged personal property
Retail sales of jewelry, electronics, tools, appliances, sporting goods, and musical instruments
Store locator and inventory search tools

Feature Checklist

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

Pros & Cons

Pros

  • Massive network of 3,300+ locations across 29 U.S. states, D.C., UK, and Latin America ensures convenient access for customers
  • Non-recourse pawn loans mean borrowers are not personally liable beyond the pledged collateral—no deficiency judgments
  • short-term cash access on-the-spot for gold, jewelry, and other merchandise with eligibility claims to verify
  • Immediate payment for items sold to FirstCash, providing instant liquidity
  • Publicly traded company (S&P 400, Russell 2000) with listed financial reporting and established operational standards
  • Layaway service offers 10% down alternative for customers who prefer installment-based retail purchasing
  • Wide variety of merchandise accepted including electronics, tools, appliances, and musical instruments—not limited to jewelry

Cons

  • Pawn loans require surrendering physical possessions, creating risk of losing sentimental or essential items if unable to repay
  • Pawn loan interest rates are typically high compared to traditional bank loans, though specific rates not disclosed on website
  • Limited transparency on loan terms, repayment periods, and APR ranges on their public website—details require store visit or contact
  • Liquidation of pledged items may occur at significant discounts below original value if redemption period expires
  • Retail merchandise quality and inventory varies by location; no listed refund term of finding specific items needed

State Consumer Finance Context

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

State regulator

Missouri Division of Finance

Money services context in Missouri

Short-term lending status: Legal

General rate context: No cap for licensed lenders; payday loans capped at $500 with fees up to $75

Missouri allows payday lending with relatively permissive regulations including up to 6 renewals. The fee cap of 75% of the loan amount results in very high effective APRs. The Division of Finance regulates consumer lenders, and complaints can be filed with the Division or the Attorney General.

Key state rules to check

  • Payday loans capped at $500 with maximum fee of 75% of the original loan amount.
  • Maximum loan term is 14-31 days.
  • Borrowers may renew up to 6 times, but principal must decrease by 5% with each renewal.

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 9 services including Pawn loans secured by pledged personal property, Gold and precious metal buying with immediate cash payment, Retail sales of jewelry, electronics, tools, appliances, sporting goods, and musical instruments, Layaway service with 10% down payment option, General merchandise buying ("We buy almost anything of value"), and 4 more.

What profile signals are listed for Cash America Pawn?

Cash America Pawn has profile signals associated with Credit-constrained consumers who may not meet traditional bank-loan criteria but are researching short-term cash access, Individuals with valuable personal assets (electronics, jewelry, tools, instruments) they're willing to use as collateral, Customers seeking fast, same-day cash without lengthy credit application processes, Budget-conscious shoppers interested in purchasing discounted used merchandise or trying layaway options.

What are the strengths and weaknesses of Cash America Pawn?

Key strengths: Massive network of 3,300+ locations across 29 U.S. states, D.C., UK, and Latin America ensures convenient access for customers; Non-recourse pawn loans mean borrowers are not personally liable beyond the pledged collateral—no deficiency judgments; short-term cash access on-the-spot for gold, jewelry, and other merchandise with eligibility claims to verify. Areas to consider: Pawn loans require surrendering physical possessions, creating risk of losing sentimental or essential items if unable to repay; Pawn loan interest rates are typically high compared to traditional bank loans, though specific rates not disclosed on website.

How does Cash America Pawn compare to similar companies?

In the Pawn Shops category, comparable providers include 23rd Street Pawn, Alpha Pawn & Jewelry, American Gold Mine. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Headquarters
11501 E US Hwy 24, Independence, MO 64054
BBB Accredited
No
Visit Cash America Pawn

CreditDoc Profile Note

Research Note on Cash America Pawn

FirstCash is profile signals for credit-constrained consumers who own valuable personal property and are researching short-term cash access with eligibility claims to verify or background approval. The primary caveat is that pawn loans require surrendering physical collateral with risk of forfeiture, and effective interest rates are typically higher than traditional lending alternatives, making this suitable only for urgent expense research rather than long-term financing.

Profile Signals

  • Credit-constrained consumers who may not meet traditional bank-loan criteria but are researching short-term cash access
  • Individuals with valuable personal assets (electronics, jewelry, tools, instruments) they're willing to use as collateral
  • Customers seeking fast, same-day cash without lengthy credit application processes
  • Budget-conscious shoppers interested in purchasing discounted used merchandise or trying layaway options
Updated 2026-05-08

Similar Companies

23rd Street Pawn logo

23rd Street Pawn

23rd Street Pawn is a pawn shop offering collateral-based loans against personal items like jewelry, electronics, and valuables with quick funding and eligibility claims to verify.

BBB: NR

Profile signals: Individuals facing genuine emergencies who need cash within hours and have no other options, People with damaged credit or no credit history unable to access traditional lenders

Alpha Pawn & Jewelry logo

Alpha Pawn & Jewelry

Alpha Pawn & Jewelry is a pawn shop offering collateral-based loans and buying services for jewelry, electronics, and other valuables with quick funding.

BBB: NR

Profile signals: Customers with poor or no credit history researching short-term cash access, People with valuable jewelry or electronics seeking immediate liquidity

American Gold Mine logo

American Gold Mine

Family-owned pawn shop with 35+ years operating three Missouri locations. Buys, sells, and loans against jewelry, electronics, tools, firearms, and collectibles.

BBB: NR

Profile signals: Consumers researching short-term cash access who own items of value and have no other short-term borrowing options, Bargain hunters and resale shoppers seeking discounted jewelry, tools, electronics, or musical instruments

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Quick Summary

  • Cash America Pawn is listed as a Pawn Shops provider in Independence, MO on CreditDoc.
  • Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
  • If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
  • For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.

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