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Cash America Pawn in Independence, MO

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Independence, MO's Cash America Pawn on South Noland Road offers fast pawn loans and sales.

Data compiled from public sources

Cash America Pawn Review

Cash America Pawn in Independence, MO is located at 1417 S Noland Road, a convenient spot in the heart of Independence's commercial area. The shop operates Monday through Friday from 9 AM to 7 PM and Saturday 9 AM to 4 PM, closed Sundays. You'll find a clean, well-organized pawn shop with a wide selection of electronics, jewelry, musical instruments, and tools available for purchase or trade.

At this Independence location, the team buys and sells items across multiple categories, and also provides short-term cash access loans using personal possessions as collateral. Whether you are researching short-term cash access or want to sell items, you can reach the store at +1 816-833-8300 to ask about current inventory or terms. The staff at this South Noland Road branch are experienced in fair evaluations and straightforward transactions.

For Independence residents researching short-term cash access or looking to pick up items at great prices, Cash America Pawn offers a straightforward alternative to traditional loans. Bring a valid ID when visiting, and the team will evaluate your items quickly. This is a locally-operated pawn shop serving the Independence community directly.

Services & Features

Fast cash payment on items brought to stores
General merchandise sales from store inventory
Gold, silver, and precious metal buying at cash prices
Layaway plans with 10% down payment option
Lease-to-own and retail finance solutions through AFF subsidiary (15,000+ merchant partners)
Non-recourse collateral-based lending (no personal liability beyond collateral)
Online information about what items the company buys
Pawn loans secured by pledged personal property
Retail merchandise sales (jewelry, electronics, tools, appliances, sporting goods, musical instruments)
Store locator tool to find nearest location

Feature Checklist

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

Pros & Cons

Pros

  • 3,300+ store locations across 29 U.S. states plus UK and Latin America provide convenient access for customers
  • Non-recourse pawn loans mean no personal liability or credit reporting—only collateral is at risk
  • short-term cash access with eligibility claims to verify or income verification required
  • Buys virtually any item of value (jewelry, electronics, tools, instruments, etc.) for short-term cash access payment
  • Layaway service with low 10% down payment option provides alternative to pawn lending
  • Gold and precious metal buying specializes in quick conversion of items many people already own
  • Publicly-traded company (S&P MidCap 400, Russell 2000) suggests regulatory oversight and stability

Cons

  • Pawn loans carry high interest rates and fees that can exceed 100%+ APR depending on location and loan structure
  • Risk of losing personal property permanently if loan plus interest and fees cannot be repaid within the loan term
  • Limited transparency on website regarding specific interest rates, terms, and conditions—requires visiting individual locations
  • Retail resale of forfeited merchandise at markup represents substantial cost markup beyond the original loan value
  • Primarily serves credit-constrained consumers, suggesting more vulnerable populations may be target market

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 10 services including Pawn loans secured by pledged personal property, Retail merchandise sales (jewelry, electronics, tools, appliances, sporting goods, musical instruments), Gold, silver, and precious metal buying at cash prices, Layaway plans with 10% down payment option, General merchandise sales from store inventory, and 5 more.

What profile signals are listed for Cash America Pawn?

Cash America Pawn has profile signals associated with Individuals researching short-term cash access for emergencies with no-credit-qualification claims to verify or background checks, People with valuable items (jewelry, electronics, instruments) they can temporarily pledge for short-term loans, Consumers seeking to sell gold, silver, platinum, or other precious metals for short-term cash access, Layaway shoppers who prefer smaller down payments (10%) over full upfront purchase or credit card financing.

What are the strengths and weaknesses of Cash America Pawn?

Key strengths: 3,300+ store locations across 29 U.S. states plus UK and Latin America provide convenient access for customers; Non-recourse pawn loans mean no personal liability or credit reporting—only collateral is at risk; short-term cash access with eligibility claims to verify or income verification required. Areas to consider: Pawn loans carry high interest rates and fees that can exceed 100%+ APR depending on location and loan structure; Risk of losing personal property permanently if loan plus interest and fees cannot be repaid within the loan term.

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
1417 S Noland Rd, Independence, MO 64055
BBB Accredited
No
Visit Cash America Pawn

CreditDoc Profile Note

Research Note on Cash America Pawn

FirstCash is profile signals for individuals experiencing genuine financial emergencies who have valuable personal property they can pledge and repay within the loan term, offering non-recourse access to cash with eligibility claims to verify. The critical caveat is that pawn loans are high cost borrowing mechanisms with triple-digit interest rates, and most people should exhaust other financing options (credit cards, personal loans, employer advances, credit union PALs) before pawning valuables, as the cost of default is permanent loss of property.

Profile Signals

  • Individuals researching short-term cash access for emergencies with no-credit-qualification claims to verify or background checks
  • People with valuable items (jewelry, electronics, instruments) they can temporarily pledge for short-term loans
  • Consumers seeking to sell gold, silver, platinum, or other precious metals for short-term cash access
  • Layaway shoppers who prefer smaller down payments (10%) over full upfront purchase or credit card financing
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.
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