National Pawn Charlotte, NC — FirstCash is the leading international operator of pawn stores with 3,300+ locations across 29 U.S. states, the UK, and La...
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 store chain with over 3,300 retail locations across 29 U.S. states, Washington D.C., the United Kingdom, Mexico, Guatemala, Colombia, and El Salvador. The company employs approximately 22,000 people and is listed on both the S&P MidCap 400 Index and Russell 2000 Index, indicating substantial institutional backing and regulatory oversight as a publicly traded company.
FirstCash's primary service is providing non-recourse pawn loans secured by pledged personal property, allowing customers to borrow cash quickly against items of value. The company also operates a retail merchandise business, buying and selling jewelry, electronics, tools, appliances, sporting goods, and musical instruments. Additional services include gold and precious metals buying, layaway plans (with 10% down payment required), and technology-driven point-of-sale payment solutions through its subsidiary AFF, which operates a nationwide network of over 15,000 active retail merchant partner locations for lease-to-own financing.
FirstCash distinguishes itself through its massive geographic footprint and scale—the only true national pawn chain with significant international presence. As a publicly traded company with listed financial reporting requirements, FirstCash offers more regulatory oversight and corporate accountability than typical independent pawn shops. The company's dual revenue model (pawn loans plus retail merchandise sales) and integration of technology-driven payment solutions demonstrate operational sophistication beyond traditional pawn operations.
For consumers researching short-term cash access against personal property, FirstCash provides accessible lending with eligibility claims to verify. However, pawn loans are collateral-dependent with no borrower recourse, meaning failure to repay results in loss of the pledged item. Interest rates and terms vary by state regulation and individual loan amounts. The retail merchandise model means inventory is inconsistent and sourced from customer pawns, limiting product selection compared to traditional retailers.
This is state-level context for Pawn Shops consumers in Charlotte, 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 11 services including Non-recourse pawn loans secured by personal property, Retail sales of jewelry, electronics, tools, appliances, sporting goods, and musical instruments, Gold, silver, and platinum buying—direct cash payment for precious metals, Layaway service with 10% down payment option, Lease-to-own and retail finance payment solutions through AFF subsidiary, and 6 more.
National Pawn has profile signals associated with Cash-constrained consumers needing short-term funds ($100-$5,000+) within hours without credit approval, Individuals with items of significant value (jewelry, electronics, instruments) seeking immediate liquidity, Consumers in states/regions where traditional credit is unavailable or prohibitively expensive, Budget-conscious shoppers seeking discounted merchandise from pawn inventory.
Key strengths: 3,300+ locations across 29 states plus UK and Latin America provide high listed geographic accessibility; Non-recourse pawn loans require eligibility claim to verify or income verification, enabling short-term cash access; Publicly traded company (S&P MidCap 400, Russell 2000) subject to SEC oversight and listed financial reporting. Areas to consider: Pawn loans result in loss of collateral if unable to repay—pledged items are forfeited with no recourse; Interest rates and loan terms are subject to state-by-state regulation with significant variation in consumer-protection context.
In the Pawn Shops category, comparable providers include North Phoenix Pawn, Posh Pawn, Royal pawn 3. 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 researching short-term funds quickly and have valuable personal property to pledge as collateral. The critical caveat is that pawn loans are non-recourse transactions where failure to repay results in permanent loss of the pledged item—this is fundamentally different from traditional loans and should only be used when the borrower is confident they can repay or is willing to forfeit the collateral.
Locally-owned Phoenix pawn shop offering collateral-based loans on jewelry, electronics, vehicles, and other valuables, plus title loans with eligibility claim to verify.
Google rating from 1,096 reviews
Profile signals: Consumers with vehicles or valuable items researching emergency-cash options and have poor or no credit history, People facing short-term cash shortfalls who can afford repayment within a pawn loan term
Upscale pawn shop in San Diego specializing in jewelry, diamonds, designer handbags, and fine watches. Offers collateral-based loans and item purchases with eligibility claims to verify.
Google rating from 250 reviews
Profile signals: Individuals with high-end jewelry, watches, or designer items seeking short-term loans without credit impact, Collectors looking to sell or liquidate precious metals, diamonds, coins, or art for fair market value
Royal Pawn is a Houston-area pawn shop chain offering fast collateral-based loans, jewelry sales, and gold buying with no interest layaway options.
Google rating from 461 reviews
Profile signals: Consumers with poor or no credit history researching short-term cash access with eligibility claims to verify, Individuals with valuable items (jewelry, electronics, instruments) willing to pledge collateral short-term
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