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Part of the Cash America Pawn chain · locations
Cash America Pawn in Memphis, TN
Memphis, TN's Cash America Pawn at 3305 Austin Peay Hwy offers fast cash loans on valuables.
Data compiled from public sources · Rating from CreditDoc methodology
Cash America Pawn Review
Cash America Pawn operates at 3305 Austin Peay Hwy in Memphis, TN. This Memphis location is open Monday through Friday from 10 AM to 6 PM, and Saturdays from 10 AM to 5 PM; the shop is closed Sundays. As a standalone location, the Memphis storefront offers convenient access for local residents seeking collateral-based loans.
At this Austin Peay Hwy location, Cash America Pawn provides fast cash loans in exchange for collateral, buying and trading gold, jewelry, electronics, and other valuables. Customers can call 901-377-4912 to inquire about loan amounts, bring items for appraisal, or ask about current cash values. The Memphis store specializes in quick evaluations and fair pricing for items brought in from across the area.
If you're a Memphis resident needing quick cash, bring a valid ID and the items you'd like to pawn or sell to the Austin Peay location. Cash America Pawn evaluates items on-site and processes loans immediately, making it ideal for unexpected expenses. Whether you're selling jewelry or using collateral for a short-term loan, the friendly staff at this Memphis pawn shop handles the transaction professionally.
Services & Features
Consumer merchandise buying—accepts 'almost anything of value'
Gold, silver, and precious metals buying at spot rates with cash payment
Item authentication and valuation services
Layaway service with 10% down payment option
Lease-to-own financing through AFF subsidiary network (15,000+ merchant partners)
Pawn loans secured by personal property pledges
Retail payment solutions and point-of-sale technology services
Retail sales of jewelry, electronics, tools, appliances, sporting goods, and musical instruments
Store locator and online inventory search tools
Used merchandise retail sales from store inventory
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Massive 3,300+ store network across 29 U.S. states and international locations, ensuring accessibility
- Non-recourse pawn loans require no credit check, income verification, or employment history
- Instant cash offers—customers get paid on the spot for items purchased or pawned
- Accepts diverse collateral types including jewelry, electronics, tools, appliances, and musical instruments
- No repayment obligation; if unable to reclaim item, no credit damage or debt collection occurs
- Layaway service with affordable 10% down payment option for retail purchases
- Technology-driven point-of-sale systems and integrated payment solutions through AFF subsidiary
- Listed on major indices (S&P MidCap 400, Russell 2000) indicating regulatory compliance and stability
Cons
- Website discloses no specific interest rates, loan terms, or fees, making cost comparison impossible before visiting a store
- Risk of losing valuable personal property permanently if unable to repay the pawn loan
- Pawn loans are a high-cost alternative to traditional credit with implied triple-digit APRs typical in the industry
- Limited product detail—no explanation of loan duration, grace periods, or renewal options on website
- International and multi-state operation creates potential inconsistency in loan terms across locations
Rating Breakdown
Value 5.0
Effectiveness 3.5
Customer Service 3.7
Transparency 3.5
Ease of Use 3.9
Frequently Asked Questions
Is Cash America Pawn legitimate?
Yes. Cash America Pawn is a registered company, headquartered in 3305 Austin Peay Hwy, Memphis, TN 38128.
Quick Facts
- Headquarters
- 3305 Austin Peay Hwy, Memphis, TN 38128
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on Cash America Pawn
FirstCash is best for consumers who own valuable items and need immediate cash but lack access to traditional credit products. The critical caveat is that pawn loans carry inherent risk of asset loss and represent a high-cost borrowing option; this service should only be used when the borrower can afford losing the pledged item and has exhausted lower-cost alternatives.
Best For
- Consumers with valuable collateral and immediate cash needs who lack access to traditional credit
- Those seeking short-term liquidity without credit checks or impact on credit scores
- Individuals buying merchandise who prefer layaway over upfront payment or credit cards
- Sellers of gold, jewelry, or electronics seeking quick cash without consignment wait times
Updated 2026-04-29
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