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First Cash Pawn in Louisville, KY

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Louisville, KY's First Cash Pawn on Dixie Hwy provides pawn loans and quick cash advances with extended hours.

Data compiled from public sources

First Cash Pawn Review

First Cash Pawn operates at 10530 Dixie Hwy in Louisville, KY, in a standalone location convenient to the local community. The shop is open Monday through Friday from 9:30 AM to 7 PM, Saturday 9:30 AM to 5:30 PM, and closed Sundays. This accessible location on Dixie Highway makes it easy for Louisville residents to stop by during their commute or shopping trips.

At this Louisville location, First Cash Pawn offers pawn loans, buying gold and jewelry, and cash-advance profile details. Whether you're looking to pawn personal items or sell valuables, the team is ready to help. Call 502-935-2274 to discuss your pawn loan options or to ask about current rates and requirements.

For Louisville residents researching short-term cash access, First Cash Pawn on Dixie Hwy provides fast service without the waiting period of traditional loans. Bring a valid ID and the items you'd like to pawn or sell. The shop is located in KY and understands the community's financial needs with straightforward pawn services.

Services & Features

Cash on-site merchandise valuation
Gold, silver, and precious metal buying
Layaway purchase plans with 10% down payment
Lease-to-own and retail finance solutions through AFF subsidiary (15,000+ merchant partners)
Online inventory browsing
Pawn FAQs and educational resources
Pawn loans secured by personal property (non-recourse)
Point-of-sale payment solutions through AFF subsidiary
Retail sales of jewelry, electronics, tools, appliances, sporting goods, and musical instruments
Store locator tool for finding nearby locations

Feature Checklist

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

Pros & Cons

Pros

  • Massive national and international presence with 3,300+ locations providing convenient access to pawn services
  • short-term cash access on the spot for pawn loans secured by personal property—eligibility claim to verify
  • Buys and sells diverse merchandise categories including jewelry, electronics, tools, appliances, and instruments
  • Non-recourse pawn loans—borrowers cannot be pursued legally if they default, only lose pledged items
  • Publicly traded company (S&P 400 MidCap, Russell 2000) with standardized operations and transparency
  • Layaway service with affordable 10% down payment option for retail purchases
  • Gold and precious metal buying service providing short-term cash access for items most consumers have at home

Cons

  • Pawn loan interest rates are significantly higher than traditional bank loans, making this an expensive form of borrowing
  • Borrowers must surrender valuable personal property as collateral, with no listed refund term of retrieval if unable to repay
  • Limited to non-recourse lending; customers lose pledged items if they cannot repay, creating financial loss beyond typical loan default
  • As a for-profit entity, FirstCash's business model depends on customer default and sale of unredeemed merchandise
  • Pawn loans are short-term solutions and do not help build credit history

State Consumer Finance Context

This is state-level context for Pawn Shops consumers in Louisville, KY. It does not confirm that First Cash 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 First Cash Pawn offer?

First Cash Pawn offers 10 services including Pawn loans secured by personal property (non-recourse), Retail sales of jewelry, electronics, tools, appliances, sporting goods, and musical instruments, Gold, silver, and precious metal buying, Layaway purchase plans with 10% down payment, Store locator tool for finding nearby locations, and 5 more.

What profile signals are listed for First Cash Pawn?

First Cash Pawn has profile signals associated with Consumers who are researching short-term cash access and have valuable personal property (jewelry, electronics, tools) to pledge as collateral, Individuals with poor or no credit history who may not meet traditional bank-loan criteria, People seeking a short-term bridge loan without the long-term commitment of bank debt, Shoppers looking for discounted used merchandise or those interested in layaway purchase plans.

What are the strengths and weaknesses of First Cash Pawn?

Key strengths: Massive national and international presence with 3,300+ locations providing convenient access to pawn services; short-term cash access on the spot for pawn loans secured by personal property—eligibility claim to verify; Buys and sells diverse merchandise categories including jewelry, electronics, tools, appliances, and instruments. Areas to consider: Pawn loan interest rates are significantly higher than traditional bank loans, making this an expensive form of borrowing; Borrowers must surrender valuable personal property as collateral, with no listed refund term of retrieval if unable to repay.

How does First Cash 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
10530 Dixie Hwy, Louisville, KY 40272
BBB Accredited
No
Visit First Cash Pawn

CreditDoc Profile Note

Research Note on First Cash Pawn

FirstCash is profile signals for cash-strapped consumers without access to traditional credit who have valuable personal property to pledge for immediate short-term loans. The critical caveat is that pawn loans carry significantly higher costs than bank loans, require surrendering collateral, and offer no credit-building benefit—making them a last-resort borrowing option rather than a long-term financial solution.

Profile Signals

  • Consumers who are researching short-term cash access and have valuable personal property (jewelry, electronics, tools) to pledge as collateral
  • Individuals with poor or no credit history who may not meet traditional bank-loan criteria
  • People seeking a short-term bridge loan without the long-term commitment of bank debt
  • Shoppers looking for discounted used merchandise or those interested in layaway purchase plans
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

  • First Cash Pawn is listed as a Pawn Shops provider in Louisville, 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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