No stored Google rating available.
Pawn1st at 450 N Country Club Dr, Mesa, AZ 85201 in the Passey Place neighborhood is Mon-Fri 9:00 AM – 7:00 PM. Google reviewers rate the branch 4.8 stars across 817 reviews. Call +1 480-962-8888.
Data compiled from public sources
FirstCash, Inc. is headquartered in Fort Worth, Texas and operates as the largest international pawn store chain, with a presence spanning 29 U.S. states, Washington D.C., the United Kingdom, and Latin American countries including Mexico, Guatemala, Colombia, and El Salvador. The company also operates AFF, a subsidiary providing lease-to-own and retail finance solutions through 15,000+ merchant partner locations nationwide. With approximately 22,000 employees globally, FirstCash is indexed in both the S&P MidCap 400 and Russell 2000, indicating substantial institutional scale and legitimacy.
FirstCash's core business model focuses on serving cash and credit-constrained consumers through retail pawn locations. The company buys and sells a broad merchandise inventory including jewelry, electronics, tools, appliances, sporting goods, and musical instruments. Their primary lending product is non-recourse pawn loans, where customers pledge personal property as collateral and receive short-term cash access. The company also offers layaway services (10% down payment plans), gold/precious metals purchasing, and retail sales of their inventory. All services are designed for consumers who need fast access to cash without traditional credit requirements.
FirstCash distinguishes itself through its massive scale—operating over 3,300 pawn locations makes it the dominant player in the U.S. pawn market. Their layaway service offers an alternative to credit for consumers wanting to purchase items gradually. The company's expansion into Latin America and the UK demonstrates operational sophistication beyond domestic markets. Their subsidiary AFF's retail finance network extends their consumer lending reach far beyond traditional pawn operations. The combination of short-term cash access, merchandise sales, and flexible payment options creates a diversified revenue model.
For consumers in financial distress, pawn loans offer genuine speed and accessibility with eligibility claims to verify. However, the non-recourse nature of pawn loans means customers lose pledged items if unable to repay, making this a high-risk option for personal property. Interest rates and fees on pawn loans, while not advertised prominently on their website, are typically higher than traditional personal loans. This service is best suited for consumers with valuable items to pledge and genuine short-term cash needs, not as a long-term credit solution.
This is state-level context for Pawn Shops consumers in Mesa, AZ. It does not confirm that Pawn1st or this specific location is licensed.
State regulator
Arizona Department of Insurance and Financial Institutions
Consumer protection
Short-term lending status: Banned
General rate context: 36% APR cap on consumer loans; payday lending banned since 2010
Arizona banned payday lending in 2010, providing strong consumer protections against high-cost short-term loans. Consumer loans are capped at 36% APR under state law. Residents can file complaints with the Department of Insurance and Financial Institutions 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.
Pawn1st offers 12 services including Non-recourse pawn loans secured by pledged personal property, Retail sales of merchandise including jewelry, electronics, tools, appliances, and sporting goods, Gold, silver, and precious metals purchasing with immediate cash payment, Layaway service with 10% down payment option, Purchase and resale of musical instruments, and 7 more.
Pawn1st has profile signals associated with Consumers with valuable jewelry, electronics, or instruments researching short-term cash access for temporary emergencies, Unbanked or credit-constrained individuals unable to qualify for traditional personal loans or credit cards, People seeking to purchase items gradually through layaway without credit card debt or store financing, Individuals wanting to convert unused valuable personal property directly into cash.
Key strengths: Largest international pawn operator with 3,300+ locations ensuring accessibility across 29 U.S. states plus UK and Latin America; short-term cash access on the spot for pledged merchandise with eligibility claims to verify; Non-recourse loans mean no debt obligation if unable to repay—only lose the pledged item. Areas to consider: Pawn loans result in permanent loss of personal property if unable to repay within loan term—no recovery option; Interest rates and fee structures not transparently disclosed on website, requiring in-store inquiry.
In the Pawn Shops category, comparable providers include TitleBucks Title Loans, TitleMax Title Loans, TitleMax Title Loans. 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 unbanked, credit-constrained consumers with valuable personal property who are researching short-term cash access for short-term emergencies with eligibility claims to verify or debt obligations. The main caveat is that pawn loans result in permanent loss of pledged items if unable to repay—this is a high-risk lending option suitable only for customers willing to sacrifice collateral and should not be used as a sustainable credit solution.
TitleBucks Title Loans Glendale, Arizona — TitleBucks offers vehicle title loans and title pawns using your car as collateral. Cash in 30 minutes, no cr...
Profile signals: Vehicle owners with a paid-off or nearly paid-off car researching emergency-cash options the same day, Borrowers with poor or no credit history who may not meet traditional personal-loan criteria or bank financing
Mesa, AZ TitleMax Title Loans at 2801 E Main St provides title-loan profile details and flexible financing solutions.
Profile signals: Vehicle owners with poor or no credit who hold a lien-free car or motorcycle title and need same-day cash, Borrowers who have been denied by banks, credit unions, and conventional lenders and have no other options
Phoenix, AZ: TitleMax Title Loans at 7435 W Lower Buckeye Road offers emergency title loans with flexible Mon-Sat hours.
Profile signals: Consumers with poor or no credit history who own a paid-off car or motorcycle outright, Individuals needing same-day cash who have been declined by banks, credit unions, or online lenders
Answer 3 quick questions to review category, service, and profile context.
1. What's your primary financial goal?
A plain-English breakdown of what credit products, loans, and cards you can realistically get at every credit score level — from deep subprime to excellent.
Read guide →Learn exactly how to check your credit score for free using legitimate sources, understand the difference between soft and hard inquiries, and know your rights under federal law.
Read guide →Learn exactly how credit score tiers work, what range you fall into, and the specific steps to move up to the next tier where better rates and approvals wait.
Read guide →Affiliate Disclosure: CreditDoc may earn a commission when you click links to Pawn1st and other services. These commissions help us maintain our free research. Compensation does not determine whether a provider can be covered; visible star ratings use stored Google review ratings when available. Learn more.