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FirstCash is the leading international operator of pawn stores with 3,300+ locations across 29 U.S. states, the UK, and Latin America, offering pawn loans secured by personal property.
Data compiled from public sources
FirstCash, Inc. was founded and is headquartered in Fort Worth, Texas, operating as the leading international pawn shop chain. The company has grown to operate more than 3,300 retail pawn and consumer lending locations across 29 U.S. states and the District of Columbia, plus international presence in the United Kingdom and throughout Latin America including Mexico, Guatemala, Colombia, and El Salvador. With approximately 22,000 employees globally, FirstCash is publicly traded and included in the S&P MidCap 400 Index and Russell 2000 Index.
FirstCash's core service is providing small non-recourse pawn loans secured by pledged personal property, meaning borrowers pledge items of value (jewelry, electronics, tools, musical instruments, sporting goods, appliances) as collateral for cash loans. The company also buys and sells merchandise directly, operates a gold/precious metals buying service, and offers layaway services with 10% down payments. Additionally, through its wholly-owned subsidiary AFF, FirstCash provides lease-to-own and retail finance solutions through over 15,000 merchant partner locations nationwide.
FirstCash distinguishes itself through its massive geographic scale and international reach compared to independent pawn shops, offering consistency and professional operations across thousands of locations. The company explicitly targets cash and credit-constrained consumers who need immediate liquidity with eligibility claims to verify or the complications of traditional lending. Their multi-service model (lending, retail sales, gold buying, layaway) provides multiple financial solutions under one brand.
As a pawn lender, FirstCash serves consumers in genuine financial emergencies but operates in a traditionally high-cost lending category. Borrowers should understand that pawn loans involve forfeiting collateral if unpaid, and the company's lending terms and interest rates are not detailed on their public website. While legitimately convenient for short-term cash needs, pawn loans should be considered a last resort before traditional emergency lending or personal loans.
This is state-level context for Pawn Shops consumers in Denver, 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 8 services including Non-recourse pawn loans secured by personal property, Retail sales of jewelry, electronics, tools, appliances, sporting goods, and musical instruments, Gold, silver, and platinum buying service with immediate cash payment, Layaway service with 10% down payment option, Multi-location store network with online store locator, and 3 more.
Fast Cash Pawn has profile signals associated with Consumers with short-term cash needs and valuable collateral (jewelry, electronics, instruments) who cannot access traditional credit, Individuals with poor credit or no credit history who need fast funds with eligibility claims to verify, People seeking short-term liquidity without affecting their credit score or dealing with loan applications, Shoppers looking for discounted merchandise through FirstCash's retail inventory and layaway options.
Key strengths: 3,300+ locations across 29 U.S. states plus UK and Latin America provide convenient access; Non-recourse loans mean eligibility claim to verify, income verification, or impact to credit score required; short-term cash access on the spot for pledged items without lengthy application processes. Areas to consider: Pawn loans result in loss of personal collateral if loan is not repaid, making it a high-stakes transaction; Interest rates and specific loan terms not disclosed on website; typical pawn loans carry significantly higher rates than traditional lending.
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 consumers in genuine financial emergencies who have valuable collateral and cannot access traditional credit, but the critical caveat is that pawn loans involve forfeiting personal property if unpaid and carry higher in listed context costs than alternatives like personal loans or credit union PALs. Borrowers should treat pawn lending as a last resort, not a primary financial solution.
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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