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Surprise's Pawn1st location on W Bell Rd provides pawn loans, jewelry sales, and merchandise buying with extended weekday and weekend hours.
Data compiled from public sources
Pawn1st is located at 13390 W Bell Rd in Surprise, AZ, operating as a standalone pawn shop serving the West Valley community. The store is open Monday through Saturday from 9 AM to 7 PM, closed Sundays, making it accessible for both weekday and weekend shopping.
This Surprise location buys, sells, and loans on jewelry, electronics, tools, musical instruments, collectibles, and more. Whether you're looking to pawn an item for short-term cash access or browse quality secondhand inventory, call +1 623-500-2244 to speak with staff about your specific needs or current stock.
If you're a Surprise, AZ resident needing same-day cash or quality secondhand goods, this Pawn1st location offers a convenient option with immediate lending decisions. Bring a valid government-issued ID and the item you wish to pawn; the team will evaluate it and provide a fair offer on the spot.
This is state-level context for Pawn Shops consumers in Surprise, 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 10 services including Pawn loans secured by personal property (non-recourse), Gold, silver, and precious metal buying with immediate cash payment, Retail merchandise sales (jewelry, electronics, tools, appliances, sporting goods, musical instruments), Layaway service with 10% down payment option, Item evaluation and appraisal for pawn and purchase, and 5 more.
Pawn1st has profile signals associated with Consumers with poor or no credit history who are researching short-term cash access and may not meet traditional loan criteria, Unbanked or underbanked individuals in areas with limited access to credit unions or banks, People with valuable items (jewelry, electronics, tools, instruments) who need emergency short-term funds, Consumers seeking quick liquidity with eligibility and income-verification claims to verify requirements.
Key strengths: Largest pawn shop network in North America with 3,300+ locations offering convenience and accessibility; Non-recourse loans mean borrowers cannot be pursued for deficiency if collateral is forfeited; short-term cash access on the spot for pawn loans, gold sales, and merchandise purchases—no waiting period. Areas to consider: Pawn interest rates and fee structures are not disclosed on website, making cost comparison impossible; Risk of losing personal property of sentimental or practical value if unable to repay loan.
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 or credit-constrained consumers who are researching short-term cash access and have valuable collateral they're willing to temporarily pledge. The primary caveat is that pawn lending is expensive compared to traditional credit alternatives and should only be used for genuine short-term emergency cash needs, not as a regular financial management tool—borrowers risk permanently losing items of sentimental or practical value.
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