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National Pawn Gastonia, North Carolina — FirstCash Holdings is the leading international operator of pawn stores, with 3,300+ locations across 29 U.S. s...
Data compiled from public sources
FirstCash Holdings, Inc. is headquartered at 1600 West 7th Street in Fort Worth, Texas, and is publicly traded as a component of the S&P MidCap 400 Index and the Russell 2000 Index. The company operates more than 3,300 pawn and consumer lending locations across 29 U.S. states and the District of Columbia, the United Kingdom, and throughout Latin America — including all Mexican states plus Guatemala, Colombia, and El Salvador. With approximately 22,000 employees worldwide, FirstCash is one of the largest pawn operators by store count globally.
FirstCash's core business revolves around small, non-recourse pawn loans secured by pledged personal property — meaning borrowers risk only the collateral item, not their credit score or other assets. The company buys and sells a wide variety of secondhand merchandise including jewelry, electronics, tools, appliances, sporting goods, and musical instruments. Additional services include gold and precious metal buying for short-term cash access, a layaway program requiring just 10% down, and retail sales of pre-owned goods at its store locations. Through its wholly owned subsidiary AFF, FirstCash also offers lease-to-own and retail finance payment solutions through a network of over 15,000 active merchant partner locations nationwide.
What distinguishes FirstCash from independent pawn shops is its scale and institutional backing. With 3,300+ stores, it offers a store locator with broad geographic coverage, standardized lending practices, and the inventory breadth that comes with a large retail operation. Its S&P index inclusion signals financial stability relative to smaller, regional competitors. The AFF subsidiary also extends its reach beyond traditional pawn into point-of-sale financing, making it a more diversified consumer finance company than its pawn-shop identity suggests.
For consumers, FirstCash is a straightforward option when short-term cash access is needed and traditional credit isn't available. Pawn loans are non-recourse — defaulting means losing the item, not facing collections or credit damage — which is a listed consumer-protection context. However, pawn loan terms are typically short (30–90 days) with high effective APRs, and merchandise resale values offered to sellers are well below retail. Consumers should treat FirstCash as a last-resort liquidity tool or a secondhand shopping destination, not a cost-efficient borrowing channel.
This is state-level context for Pawn Shops consumers in Gastonia, 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 9 services including Non-recourse pawn loans secured by personal property, Gold, silver, and platinum buying for immediate cash, Retail sales of pre-owned jewelry, electronics, tools, appliances, Sporting goods and musical instrument buying and selling, Layaway plan with 10% down payment, and 4 more.
National Pawn has profile signals associated with Cash-constrained consumers who need fast liquidity with eligibility claims to verify, Secondhand shoppers looking for jewelry, electronics, or tools at below-retail prices, People with valuable personal property (gold, instruments, electronics) they're willing to sell outright, Consumers who need a non-recourse short-term loan and understand the collateral risk.
Key strengths: Non-recourse pawn loans — default only forfeits the collateral, no credit damage; 3,300+ store locations across 29 U.S. states, D.C., UK, and Latin America; short-term cash access on the spot for gold, silver, platinum, and general merchandise. Areas to consider: Pawn loans carry high effective APRs typical of short-term collateral lending; Cash offered for merchandise is significantly below retail or resale market value.
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 consumers who are researching short-term cash access with eligibility claims to verify and own items of value they can pledge or sell outright — the non-recourse structure means no credit damage on default. The main caveat is cost: pawn loan APRs are high, and buyback prices for merchandise are well below market, so this is a liquidity tool of last resort, not a cheap borrowing option.
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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