Pawn-Shops · CO
Rating: 3.9/5
FirstCash is the leading international pawn shop operator with 3,300+ locations across the U.S., UK, and Latin America, offering pawn loans, retail sales, and gold buying services.
FirstCash, Inc. is headquartered in Fort Worth, Texas and operates as the leading international pawn shop chain with over 3,300 retail locations across 29 U.S. states, the District of Columbia, the United Kingdom, and Latin America (including all Mexican states, Guatemala, Colombia, and El Salvador). The company employs approximately 22,000 people and is indexed in both the S&P MidCap 400 and Russell 2000, indicating its scale as a publicly traded enterprise in the consumer lending space.
FirstCash's core business model centers on serving cash and credit-constrained consumers through pawn loans secured by personal property collateral. Their retail locations buy and sell a diverse inventory including jewelry, electronics, tools, appliances, sporting goods, and musical instruments. Beyond traditional pawn lending, FirstCash offers layaway services (requiring 10% down), gold and precious metal buying, and general retail merchandise sales.
The company also operates a wholly owned subsidiary, AFF, which provides lease-to-own and retail finance payment solutions through over 15,000 merchant partner locations nationwide.
FirstCash distinguishes itself through its massive geographic footprint and scale, making it one of the few pawn operators with truly national and international reach. Their technology-driven point-of-sale systems and diverse service offerings (pawn loans, retail sales, gold buying, layaway) provide multiple entry points for consumers with different financial needs. The company's public market status and index inclusion suggest operational efficiency and regulatory compliance standards above typical independent pawn shops.
Pawn loans through FirstCash are non-recourse, meaning borrowers are not personally liable if the pledged item is sold. However, borrowers should understand that pawn loans typically carry short terms (often 30-90 days) and high effective interest rates due to storage, insurance, and handling costs. The layaway service represents an alternative for consumers who prefer payment plans over collateral-based borrowing.
Like all pawn shops, FirstCash's value proposition depends heavily on inventory availability and loan terms specific to individual locations.
Reader-focused summary of the strongest reasons to consider Fast Cash Pawn & Jewelry and the factors most worth weighing before contracting. Individual outcomes depend on your credit situation and goals.
Fast Cash Pawn & Jewelry works best for consumers who value massive national and international footprint with 3,300+ locations, providing co and can accept the tradeoff of pawn loans carry high effective interest rates due to storage, insurance, and ha. Compare against similar providers below before signing any contract.
Before signing up with any Pawn Shops provider, review these safeguards:
Match these decision factors against Fast Cash Pawn & Jewelry's profile before committing. This rubric mirrors what independent consumer-finance research typically checks for Pawn Shops providers.
Pawn Shops
9 services listed
1 states
Fast Cash Pawn & Jewelry offers 9 services including Pawn loans secured by personal property (non-recourse), Gold, silver, and precious metals buying, Retail merchandise sales (jewelry, electronics, tools, appliances, sporting goods, musical instruments), Layaway services with 10% down payment option, Item inventory search across store network, and 4 more. Confirm current service list directly with the provider before contracting.
Fast Cash Pawn & Jewelry's profile signals suggest it may fit: Consumers with urgent short-term cash needs who lack traditional credit or cannot qualify for bank loans; People seeking to sell jewelry, gold, or other valuables for immediate cash without auction delays; Budget-conscious shoppers looking for discounted used merchandise (electronics, tools, instruments, appliances); Individuals needing temporary collateral-based loans with no credit impact or risk of personal liability. Individual outcomes vary based on your specific situation.
Key strengths: Massive national and international footprint with 3,300+ locations, providing convenient access across 29 U.S. states and multiple countries; Non-recourse pawn loans—borrowers have no personal liability if pledged items are sold, unlike traditional loans; Fast cash availability on the spot with no credit check required, serving credit-constrained consumers. Areas to consider: Pawn loans carry high effective interest rates due to storage, insurance, and handling fees, making them expensive compared to traditional personal loans; Short loan terms (typically 30-90 days) create frequent refinancing needs or risk of forfeiting pledged items of sentimental value.
In the Pawn Shops category, comparable providers include 14k Pawn, A Plus a Pawn Shop, A-Wise Loan & Jewelry. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
Fast Cash Pawn & Jewelry serves customers in 1 states including Colorado. Confirm current service availability in your state directly with the provider.
Listed pricing for Fast Cash Pawn & Jewelry: monthly price: 0; setup fee: 0; money back guarantee: False. Pricing may change — verify current fees directly with the provider before signing any contract.
This is state-level context for Pawn Shops consumers in Colorado. It does not confirm that Fast Cash Pawn & Jewelry or this specific location is licensed.
Payday lending in Colorado: Restricted (max $500)
Usury cap: 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.
Comparable Pawn Shops providers with similar service scope. Ratings reflect stored review context; verify current licensing and pricing directly before contracting.
14K Pawn is a pawn shop and jewelry buyer located in Highland Park, MI, offering collateral-based loans and precious metals purchasing services.
Rating 4.1/5
Notable: No credit check required—immediate access to cash based on collateral value
A Plus A Pawn Shop offers collateral-based loans at their Los Angeles location on S Alvarado Street, with extended hours and accessible phone contact.
Rating 4.4/5
Notable: Extended hours including Sundays (8 AM - 6 PM) provide accessibility for working customers
Nashville-based pawn shop offering collateral-based loans on jewelry, electronics, instruments, and vehicles with no credit check required. Also buys items o...
Rating 4.4/5
Notable: No credit check required—accessible to those with poor or no credit history
Family-owned pawn shop in Kirkland, WA with locations in Las Vegas, buying gold, jewelry, electronics, and offering collateral-based loans since 2010.
Rating 4.4/5
Notable: GIA-trained appraisers on staff for accurate precious metals and jewelry evaluation
AAA Pawnbrokers of North Miami buys, sells, and pawns gold, jewelry, firearms, and general merchandise. Multi-award-winning shop open 6 days weekly with on-s...
Rating 4.5/5
Notable: Specialized expertise in firearms buying, selling, pawning, and trading with diverse inventory
Memphis-based retailer specializing in firearms, ammunition, and accessories, plus collateral-based loans on items of value with no credit checks required.
Rating 2.5/5
Notable: No credit checks required for loans—accessible to consumers with poor or no credit history
Ace Pawn Shop is a collateral-based lending business located in Columbus, OH's Lincoln Village Shopping Center, offering pawn loans and related financial services.
Rating 4.2/5
Notable: Conveniently located in Lincoln Village Shopping Center with dedicated storefront access
FirstCash is the leading international operator of pawn stores with 3,300+ locations across 29 U.S. states, D.C., UK, and Latin America. They provide pawn lo...
Rating 4.2/5
Notable: Massive network of 3,300+ locations across 29 U.S. states, D.C., UK, and Latin America for convenient access
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Fast Cash Pawn & Jewelry — Pawn Shops in CO.
Overall rating: 3.9/5
FirstCash is the leading international pawn shop operator with 3,300+ locations across the U.S., UK, and Latin America, offering pawn loans, retail sales, and gold buying services.
Common terms that come up when comparing Pawn Shops providers. Full glossary at creditdoc.co/glossary/.