FirstCash is the leading international pawn shop operator with 3,300+ locations across the U.S., Latin America, and the UK, offering pawn loans secured by personal property and retail merchandise sales.
Data compiled from public sources · Google rating shown when a stored review count is available
FirstCash, Inc. is headquartered in Fort Worth, Texas and operates as the leading international pawn shop chain with over 3,300 retail locations. The company was founded to serve cash and credit-constrained consumers through traditional pawn lending and retail merchandise operations. FirstCash maintains a significant presence across 29 U.S. states and the District of Columbia, as well as international operations in the United Kingdom, Mexico, Guatemala, Colombia, and El Salvador, employing approximately 22,000 people worldwide.
The company's primary service is offering non-recourse pawn loans secured by pledged personal property, meaning borrowers are not personally liable if they cannot repay the loan—the pawn shop simply retains the collateral. Beyond lending, FirstCash operates retail locations that buy and sell jewelry, electronics, tools, appliances, sporting goods, musical instruments, and general merchandise. The company also offers layaway services with 10% down payment options, gold and precious metal buying services, and operates a subsidiary (AFF) providing lease-to-own and retail finance solutions through over 15,000 merchant partners nationwide.
FirstCash's scale and established brand differentiate it as a market leader in the pawn industry. The company is listed on both the S&P MidCap 400 Index and Russell 2000 Index, indicating institutional credibility. With over 2,500 stores and a sophisticated inventory system accessible online, FirstCash offers convenience and product variety that independent pawn shops does not list comparable fields. Their technology-driven approach to point-of-sale payments and retail finance positions them as a modernized alternative to traditional pawn operations.
However, pawn loans are fundamentally high-cost borrowing products. While advertised as non-recourse (reducing borrower default risk), they require giving up personal property and involve implicit interest rates that, while typically lower than payday loans, are higher in listed context than traditional bank lending. Borrowers must carefully assess whether the convenience of short-term cash access justifies losing valuable items. The focus on serving credit-constrained consumers means this product fills a genuine gap for those without access to traditional credit, but it should be viewed as a last-resort option.
This is state-level context for Pawn Shops consumers in Englewood, CO. It does not confirm that Fast Cash 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 offers 10 services including Pawn loans secured by pledged personal property (non-recourse), Purchase and cash payment for jewelry, gold, silver, and precious metals, Retail sales of used and new merchandise (electronics, tools, appliances, instruments, sporting goods), Layaway purchase plans with 10% down payment, Gold and precious metal buying services, and 5 more.
Fast Cash has profile signals associated with Cash-constrained consumers with valuable personal items (jewelry, electronics, instruments) needing immediate funds with eligibility claims to verify, People seeking to avoid debt while borrowing, as non-recourse structure means no ongoing obligation after item surrender, Individuals in financial emergencies needing fast liquidity without traditional loan approval timelines, Budget-conscious shoppers looking to purchase items through layaway or lease-to-own arrangements.
Key strengths: 3,300+ locations across 29 U.S. states, D.C., UK, Mexico, Guatemala, Colombia, and El Salvador provide extensive accessibility; Non-recourse pawn loans mean no personal liability if unable to repay—collateral is retained instead; short-term cash access on the spot for items sold or pawned without credit check or approval delays. Areas to consider: Pawn loans require surrendering physical personal property as collateral, with loss of item if unable to repay; Implicit interest rates on pawn loans, while lower than payday loans, are higher in listed context than traditional bank loans.
In the Pawn Shops category, comparable providers include Max Pawn Luxury Miami Beach, Monte de Piedad Pawn Shop, VICTOR PAWN BROKER Inc.. 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 cash-constrained consumers with valuable personal items who need immediate funds with eligibility claims to verify or traditional loan approval. The main caveat is that pawn loans require surrendering collateral and carry higher-than-bank interest rates, making this a high-cost borrowing option suitable only as a last resort when traditional lending is unavailable.
Luxury pawn shop in Miami Beach specializing in authenticated pre-owned designer goods including handbags, watches, jewelry, and shoes from brands like Prada, Louis Vuitton, and Hermès.
Google rating from 81 reviews
Profile signals: Affluent consumers seeking to buy authenticated pre-owned designer goods at below-retail prices, Luxury item owners researching short-term cash access against designer handbags, watches, or jewelry as collateral
Monte de Piedad is a pawn shop offering collateral-based loans against jewelry, gold, electronics, and other valuables with short-term cash access.
Google rating from 810 reviews
Profile signals: Consumers with valuable items who are researching emergency-cash timing, Individuals with poor or no credit history unable to qualify for traditional loans
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