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Cash America Pawn in Shively, KY

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Shively, KY's Cash America Pawn at 4131 Dixie Hwy offers quick cash loans on valuables with convenient weekday and Saturday hours.

Data compiled from public sources

Cash America Pawn Review

Cash America Pawn is located at 4131 Dixie Hwy in Shively, KY, serving the community with a straightforward pawn shop operation. This standalone location operates Monday through Friday from 10 AM to 7 PM, with Saturday hours from 10 AM to 6 PM, giving Shively residents easy weekday and weekend access.

At this Shively location, you can pawn items of value—jewelry, electronics, musical instruments, and other goods—for short-term cash access. The staff can provide quotes on your items and walk you through the pawn process. Contact them at +1 502-448-9581 to ask about specific items or get a quick estimate before visiting.

If you're a Shively, KY resident researching short-term cash access, bring a valid ID and the item you want to pawn—the process is typically completed on the spot. This Shively pawn shop is convenient for anyone in the area looking for straightforward transactions without lengthy approval processes.

Services & Features

Gold, silver, and platinum buying at market prices
Item valuation and appraisal services in-store
Layaway plans with 10% down payment for merchandise purchases
Lease-to-own payment solutions through subsidiary AFF network (15,000+ merchant partners)
Non-recourse pawn loans secured by personal property
Online inventory browsing and merchandise search
Pawn loan FAQs and educational resources
Point-of-sale payment solutions for merchants
Retail sales of jewelry, electronics, tools, appliances, sporting goods, and musical instruments
Same-day cash disbursement upon loan approval
Store locator tool to find nearby locations

Feature Checklist

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

Pros & Cons

Pros

  • Over 3,300 locations across 29 U.S. states, D.C., UK, and Latin America provides high listed accessibility
  • eligibility claim to verify for pawn loans—immediate approval based on collateral value alone
  • Instant cash disbursement on same day after item evaluation
  • Non-recourse loans mean you're never pursued for deficiency if item sells for less than loan amount
  • Wide variety of accepted merchandise (jewelry, electronics, tools, appliances, instruments, sporting goods)
  • Layaway service allows purchasing items with only 10% down payment, building savings discipline
  • Buys gold, silver, and platinum at spot prices for short-term cash access conversion
  • Publicly traded company (S&P MidCap 400, Russell 2000) indicates regulatory oversight and financial stability

Cons

  • Interest rates and loan terms not disclosed on website—rates vary by state and are typically higher than traditional bank loans
  • Risk of losing collateral permanently if loan isn't repaid before redemption period expires
  • Pawn loans are short-term solutions (typically 30-90 days) and not suitable for long-term financing needs
  • Store inventory varies significantly by location, limiting what can be purchased or pawned at any given store
  • No online loan application or redemption process mentioned—requires in-person store visits

State Consumer Finance Context

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

State regulator

Kentucky Department of Financial Institutions

Money services context in Kentucky

Short-term lending status: Legal

General rate context: 19% for consumer loans over $15,000; payday loans capped at $500 with $15 per $100 fee

Kentucky allows payday lending with a $500 cap, $15 per $100 fee limit, and a statewide tracking database. Borrowers are limited to two loans at a time with a cooling-off period. Consumers can file complaints with the Department of Financial Institutions or the Attorney General.

Key state rules to check

  • Payday loans (deferred deposit transactions) capped at $500 with maximum $15 per $100 fee.
  • Borrowers limited to two outstanding payday loans at a time tracked via statewide database.
  • A mandatory 24-hour cooling-off period applies after the second consecutive loan.

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 Non-recourse pawn loans secured by personal property, Gold, silver, and platinum buying at market prices, Retail sales of jewelry, electronics, tools, appliances, sporting goods, and musical instruments, Layaway plans with 10% down payment for merchandise purchases, Store locator tool to find nearby locations, and 6 more.

What profile signals are listed for Cash America Pawn?

Cash America Pawn has profile signals associated with Unbanked or credit-constrained consumers who are researching short-term cash access with eligibility claims to verify, People with valuable personal property (jewelry, electronics, instruments) they're willing to temporarily pledge, Consumers seeking short-term bridge loans between paychecks or unexpected expenses, Bargain hunters looking to purchase discounted used merchandise (jewelry, electronics, tools).

What are the strengths and weaknesses of Cash America Pawn?

Key strengths: Over 3,300 locations across 29 U.S. states, D.C., UK, and Latin America provides high listed accessibility; eligibility claim to verify for pawn loans—immediate approval based on collateral value alone; Instant cash disbursement on same day after item evaluation. Areas to consider: Interest rates and loan terms not disclosed on website—rates vary by state and are typically higher than traditional bank loans; Risk of losing collateral permanently if loan isn't repaid before redemption period expires.

How does Cash America Pawn compare to similar companies?

In the Pawn Shops category, comparable providers include Berkley Jewelers and Pawn, Bill's Pawn Shop LLC, Cash America Pawn. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Headquarters
4131 Dixie Hwy, Shively, KY 40216
BBB Accredited
No
Visit Cash America Pawn

CreditDoc Profile Note

Research Note on Cash America Pawn

FirstCash is profile signals for credit-constrained consumers with valuable personal property who are researching short-term cash access and can afford to lose their collateral if unable to repay within the redemption period. The critical caveat is that pawn loans carry undisclosed interest rates (varying by state), are inherently short-term solutions, and result in permanent loss of pledged items if not redeemed—making them a stopgap measure rather than a sustainable financing strategy.

Profile Signals

  • Unbanked or credit-constrained consumers who are researching short-term cash access with eligibility claims to verify
  • People with valuable personal property (jewelry, electronics, instruments) they're willing to temporarily pledge
  • Consumers seeking short-term bridge loans between paychecks or unexpected expenses
  • Bargain hunters looking to purchase discounted used merchandise (jewelry, electronics, tools)
Updated 2026-05-08

Similar Companies

Berkley Jewelers and Pawn logo

Berkley Jewelers and Pawn

Family-run jewelry and pawn shop in Louisville offering jewelry sales, repairs, custom design, and pawn services with emphasis on fair pricing and personalized customer care.

BBB: NR

Profile signals: Customers seeking jewelry repairs and custom design services from a local, personalized business, Individuals looking to buy or sell jewelry with preference for fair pricing and listed dealing

Bill's Pawn Shop LLC logo

Bill's Pawn Shop LLC

Bill's Pawn Shop LLC in Louisville, KY offers collateral-based loans and buys jewelry and other items. Located on North Preston Highway with extended weekday hours.

BBB: NR

Profile signals: Customers researching short-term cash access loans secured by jewelry or other valuables, Buyers seeking discounted used jewelry or secondhand items

Cash America Pawn logo

Cash America Pawn

Louisville, KY pawn shop at Cash America Pawn on New Cut Rd offers short-term cash access loans against jewelry, electronics, and valuables.

BBB: NR

Profile signals: Cash-constrained or credit-constrained consumers who need fast access to money with eligibility claims to verify or documentation, Individuals with items of value (gold, jewelry, electronics) who need immediate liquidity and want to retain redemption options

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Quick Summary

  • Cash America Pawn is listed as a Pawn Shops provider in Shively, KY 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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