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FirstCash is the leading international pawn shop operator with 3,300+ locations across 29 U.S. states, UK, and Latin America, offering pawn loans, retail sales, and gold buying services.
Data compiled from public sources
FirstCash, Inc. is headquartered in Fort Worth, Texas and operates as the leading international pawn shop chain with over 3,300 retail locations spanning 29 U.S. states, the District of Columbia, the United Kingdom, and Latin America (Mexico, Guatemala, Colombia, and El Salvador). The company employs approximately 22,000 people and is listed in both the S&P MidCap 400 Index and Russell 2000 Index, indicating its size and stability as a publicly traded enterprise.
FirstCash's core business model focuses on serving cash and credit-constrained consumers through retail pawn operations. They buy and sell a wide variety of merchandise including jewelry, electronics, tools, appliances, sporting goods, and musical instruments. Their primary lending product is non-recourse pawn loans secured by pledged personal property, meaning customers are not personally liable if the collateral doesn't cover the loan amount. Additionally, the company offers layaway services (10% down payment required), gold and precious metal buying, and retail merchandise sales through their store locations.
What distinguishes FirstCash is its massive scale as the largest pawn operator internationally, with over 2,500 North American locations and established presence across multiple countries. The company also operates AFF, a wholly owned subsidiary providing lease-to-own and retail finance payment solutions through over 15,000 retail merchant partner locations nationwide, demonstrating diversification beyond traditional pawn lending.
FirstCash serves cash and credit-constrained consumers who need immediate liquidity or lack access to traditional lending. Customers benefit from quick access to cash with eligibility claims to verify, though pawn loans come with the risk of losing pledged items if the loan cannot be repaid. The company's national presence and established infrastructure provide reliability and accessibility, but pawn loans remain an expensive way to borrow compared to traditional credit.
This is state-level context for Pawn Shops consumers in Commerce City, CO. It does not confirm that Fast Cash Pawn or this specific location is licensed.
State regulator
Colorado Department of Regulatory Agencies - Division of Banking
Consumer protection
Short-term lending status: Restricted
General rate context: 36% APR cap on payday loans (2018 ballot measure); 12% for consumer loans under usury statute
Colorado voters approved Proposition 111 in 2018, capping payday loan APR at 36% and requiring minimum 6-month terms. The Uniform Consumer Credit Code provides comprehensive consumer protections for all credit transactions. Consumers can file complaints with the Attorney General or the Division of Banking.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Fast Cash Pawn offers 9 services including Non-recourse pawn loans secured by pledged personal property, Retail sales of jewelry, electronics, tools, appliances, sporting goods, and musical instruments, Gold, silver, and platinum buying for immediate cash, Layaway service with 10% down payment option, In-store merchandise inventory available for purchase, and 4 more.
Fast Cash Pawn has profile signals associated with Consumers with personal property of value who are researching short-term cash access without credit approval, Individuals without access to traditional credit who need fast short-term loans, People seeking to buy used merchandise or specialty items at discounted prices, Those looking to sell gold, jewelry, electronics, or other valuables for cash on the spot.
Key strengths: Largest international pawn operator with 3,300+ locations providing convenient access and brand stability; short-term cash access loans with eligibility claims to verify or personal liability on non-recourse loans; Wide variety of merchandise bought and sold, not limited to jewelry (electronics, tools, appliances, instruments). Areas to consider: Pawn loans are expensive compared to traditional credit and involve risk of losing pledged personal property; Non-recourse loans mean higher interest rates to offset lender risk.
In the Pawn Shops category, comparable providers include Acme Pawn North, Acme Pawn Original, Atlantic Jewelry & Loan. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
FirstCash is profile signals for individuals with valuable personal property who are researching short-term cash access without credit approval or qualifying for traditional loans. The main caveat is that pawn loans are expensive borrowing options that involve risk of losing pledged items, making them suitable only for short-term liquidity needs rather than sustainable long-term financial solutions.
Family-owned pawn shop operating 5 Colorado Springs locations since 1976, offering collateral-based cash loans and buying/selling used merchandise including jewelry, firearms, electronics, and musical instruments.
Profile signals: Individuals researching short-term cash access who have valuable collateral (jewelry, electronics, instruments, firearms), Bargain hunters seeking discounted used merchandise across multiple categories
Family-owned Colorado Springs pawn shop since 1976 offering collateral-based cash loans and buying/selling used merchandise across jewelry, firearms, electronics, and collectibles.
Profile signals: Individuals researching short-term cash access loans against collateral they own (jewelry, firearms, instruments, electronics), Budget-conscious shoppers looking for discounted used merchandise across multiple categories
Atlantic Jewelry & Loan is a Denver pawn shop offering collateral-based loans, jewelry sales, repairs, and secondary services like check cashing and computer sales since 1991.
Profile signals: Denver residents researching short-term cash access against jewelry or electronics collateral, Customers with broken jewelry who want on-site repair combined with pawn options
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