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National Pawn Concord, North Carolina — FirstCash is the leading international operator of pawn stores with 3,300+ locations across the U.S., UK, and La...
Data compiled from public sources
FirstCash, Inc. is headquartered in Fort Worth, Texas and operates as the largest international pawn shop chain. The company was founded to serve cash and credit-constrained consumers who need immediate liquidity without traditional credit requirements. FirstCash has grown to operate more than 3,300 retail pawn locations across 29 U.S. states, the District of Columbia, the United Kingdom, and Latin America (Mexico, Guatemala, Colombia, and El Salvador), employing approximately 22,000 people globally.
The company's core business model centers on pawn loans—non-recourse loans secured by pledged personal property—alongside retail buying and selling of merchandise. FirstCash purchases and sells jewelry, electronics, tools, appliances, sporting goods, musical instruments, and other merchandise for cash. They also operate additional services including gold and precious metals buying, layaway plans (with 10% down payment), and through their subsidiary AFF, lease-to-own and retail finance payment solutions via 15,000+ merchant partner locations.
FirstCash distinguishes itself through its massive geographic footprint and scale as the market leader in pawn lending. The company is publicly traded and indexed in both the S&P MidCap 400 and Russell 2000, indicating institutional-grade operations and transparency. Their "store locator" and "inventory" features suggest technology-enabled operations beyond typical pawn shops, and they actively promote gold buying and layaway services as customer value-adds.
For consumers, FirstCash provides short-term cash access with eligibility claims to verify, making it viable for those with poor credit or no credit history. However, pawn loans inherently carry the risk of losing pledged items if not repaid, and retail markups on merchandise can be substantial. The company's size and structure make it a reliable alternative to independent pawn shops, though terms and interest rates should be compared carefully before pledging valuables.
This is state-level context for Pawn Shops consumers in Concord, NC. It does not confirm that National Pawn or this specific location is licensed.
State regulator
North Carolina Commissioner of Banks
Consumer protection
North Carolina Attorney General Consumer Protection Division
Short-term lending status: Banned
General rate context: 8% general; 30% for consumer finance loans under $10,000; payday lending banned since 2001
North Carolina banned payday lending in 2001, becoming one of the first states to do so. Consumer finance companies are regulated with rate caps. Consumers can file complaints with the Commissioner of Banks or the Attorney General's Consumer Protection Division.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
National Pawn offers 10 services including Pawn loans secured by personal property (non-recourse), Gold and precious metals buying (cash on the spot), Retail sales of used/recovered merchandise (jewelry, electronics, tools, appliances, sporting goods, instruments), Layaway service with 10% down payment option, Store locator and inventory browsing online, and 5 more.
National Pawn has profile signals associated with Consumers with poor or no credit history who are researching short-term cash access and have valuable items to pledge, People in temporary cash flow crunches who expect to recover funds within weeks and can safely recover their collateral, Individuals selling jewelry, gold, electronics, or tools for short-term cash access without waiting for online marketplaces, Bargain hunters shopping for discounted used electronics, instruments, or merchandise (accepting higher markup vs. retail).
Key strengths: 3,300+ locations across 29 U.S. states, UK, and Latin America—largest pawn chain with extensive geographic coverage; eligibility claim to verify; short-term cash access approval based on collateral value, not creditworthiness; Publicly traded company (S&P MidCap 400, Russell 2000) with listed financial reporting and regulatory compliance. Areas to consider: Risk of losing personal property permanently if unable to repay the pawn loan within the loan term; Pawn loan interest rates and fees are not disclosed on website; rates can be significantly higher than traditional personal loans.
In the Pawn Shops category, comparable providers include All Seasons Outdoor & Pawn, American Gold Exchange & Pawn, Beltway Gun & Pawn. 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 credit-constrained consumers who own valuable items and are researching short-term cash access with eligibility claims to verify, or bargain shoppers willing to pay retail markups for used merchandise. The main caveat is that pawn loans require pledging personal property as collateral—failure to repay results in permanent loss of the item—and rates/fees are not transparently disclosed upfront, making rate comparison essential before borrowing.
All Seasons Outdoor & Pawn is a pawn shop located in Locust, NC that provides collateral-based loans and buys/sells outdoor equipment and merchandise.
Profile signals: Hunters and outdoor enthusiasts researching short-term cash access against firearms or outdoor gear, Individuals with poor credit who need immediate liquidity with eligibility claims to verify
Family-owned pawn shop in Raleigh, NC since 1994 offering short-term cash access loans, precious metal buying, and retail sales with no middlemen and A+ BBB rating.
Profile signals: Customers researching short-term cash access who own valuable items and prefer to avoid credit checks, Local Raleigh residents seeking to buy used merchandise at discounted prices with warranty protection
Beltway Gun & Pawn specializes in used and new firearms, tactical weapons, and ammunition sales with both in-store and online inventory. Located in Matthews, NC, they operate as a pawn shop with a primary focus on firearms and related accessories.
Profile signals: Firearms enthusiasts and collectors seeking used or new weapons from major manufacturers, Tactical weapon buyers looking for AR rifles, tactical handguns, and modern platforms
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