Rely-a-Pawn logo

Rely-a-Pawn in West Memphis, AR

No stored Google rating available.

Rely-A-Pawn is a West Memphis, AR pawn shop offering collateral-based loans and buying services for jewelry, electronics, tools, guns, and other items since 2008.

Data compiled from public sources

Rely-a-Pawn Review

Rely-A-Pawn opened its doors on July 7, 2008, and has operated as a traditional pawn shop in West Memphis, Arkansas for over 15 years. The business is owned by Cindy Pearcy and managed by Ashley Beecroft, with a small dedicated team. The shop is conveniently located at 3500 E Broadway (next to Pearcy Auto Sales) and maintains regular business hours Monday through Friday 9 am to 5 pm, and Saturday 9 am to 4 pm.

The company accepts a wide variety of items as collateral for pawn loans or for direct purchase, including firearms, jewelry, gold, electronics, tools, cameras, audio equipment, gaming systems, and other merchandise. As a pawn operation, they provide short-term cash access in exchange for personal property, allowing customers to retrieve items within a specified redemption period or forfeit them if the loan is not repaid.

Rely-A-Pawn distinguishes itself through its local, family-owned operation and longstanding presence in the West Memphis community. The business maintains listed contact information and accessible hours, and operates under a straightforward pawn model without the complexity of online-only or larger chain operations. Their specific focus on quality items like jewelry, gold, and electronics suggests a curated approach to inventory.

As a traditional pawn shop, Rely-A-Pawn is best suited for consumers who are researching short-term cash access and have valuable items to pledge as collateral. The primary caveat is that pawn loans involve losing access to personal property during the loan period, and failure to repay results in permanent loss of the item. Customers should carefully consider whether they can afford to lose the pledged item and understand the loan terms before pawning.

Services & Features

Collateral-based short-term loans
Direct purchase of gold and jewelry
Direct purchase of used electronics
Item redemption services
Pawn loans on cameras
Pawn loans on electronics and audio equipment
Pawn loans on firearms and weapons
Pawn loans on gaming systems
Pawn loans on jewelry and gold items
Pawn loans on tools and equipment

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • Established, local business with 15+ years of operating history since 2008
  • Accepts diverse collateral including jewelry, gold, firearms, and electronics
  • listed cash-access timing with eligibility claim to verify
  • Convenient location on Broadway in West Memphis with accessible parking
  • Small, personalized service with identifiable owner and management
  • listed contact information and clearly posted business hours
  • Family-owned operation with roots in the community

Cons

  • Limited hours (closed Sundays, closes at 5 pm weekdays and 4 pm Saturday)
  • Pawning items means losing access to personal property during loan period
  • No information provided about interest rates, loan terms, or redemption fees
  • Limited geographic reach—single physical location only serves West Memphis area
  • Failure to repay pawn loan results in permanent loss of pledged item

State Consumer Finance Context

This is state-level context for Pawn Shops consumers in West Memphis, AR. It does not confirm that Rely-a-Pawn or this specific location is licensed.

State regulator

Arkansas Securities Department

Money services context in Arkansas

Short-term lending status: Banned

General rate context: 17% constitutional usury cap (Amendment 89); payday lending effectively banned

Arkansas has one of the strongest usury protections in the nation, with a constitutional cap on interest rates at 17% above the federal discount rate. This effectively bans payday lending in the state. Consumers are further protected by the Deceptive Trade Practices Act and can file complaints with the Attorney General.

Key state rules to check

  • The Arkansas Constitution (Amendment 89) caps interest at 17% above the federal discount rate.
  • Payday lending is effectively banned under the constitutional usury cap.
  • Check-cashers must be licensed but cannot offer deferred deposit loans.

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Frequently Asked Questions

What services does Rely-a-Pawn offer?

Rely-a-Pawn offers 10 services including Pawn loans on jewelry and gold items, Pawn loans on firearms and weapons, Pawn loans on electronics and audio equipment, Pawn loans on tools and equipment, Pawn loans on cameras, and 5 more.

What profile signals are listed for Rely-a-Pawn?

Rely-a-Pawn has profile signals associated with Consumers who are researching short-term cash access and have valuable items as collateral, People without access to traditional credit or who prefer not to use credit, Local West Memphis residents seeking quick liquidity without bank involvement, Individuals looking to sell valuable items like jewelry, gold, or electronics.

What are the strengths and weaknesses of Rely-a-Pawn?

Key strengths: Established, local business with 15+ years of operating history since 2008; Accepts diverse collateral including jewelry, gold, firearms, and electronics; listed cash-access timing with eligibility claim to verify. Areas to consider: Limited hours (closed Sundays, closes at 5 pm weekdays and 4 pm Saturday); Pawning items means losing access to personal property during loan period.

How does Rely-a-Pawn compare to similar companies?

In the Pawn Shops category, comparable providers include AAA Pawnbrokers of North Miami, Crazy Abe's Pawnshop, One Stop Pawn Shop. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Headquarters
3500 E Broadway Ave # B, West Memphis, AR 72301
BBB Accredited
No
Visit Rely-a-Pawn

CreditDoc Profile Note

Research Note on Rely-a-Pawn

Rely-A-Pawn is profile signals for West Memphis-area residents who are researching short-term cash access and have valuable personal property to pledge as collateral. The main caveat is that pawn loans require surrendering access to items, and unpaid loans result in permanent loss of the pledged property; customers should only pawn items they can afford to lose and should understand all terms before proceeding.

Profile Signals

  • Consumers who are researching short-term cash access and have valuable items as collateral
  • People without access to traditional credit or who prefer not to use credit
  • Local West Memphis residents seeking quick liquidity without bank involvement
  • Individuals looking to sell valuable items like jewelry, gold, or electronics
Updated 2026-05-08

Similar Companies

AAA Pawnbrokers of North Miami logo

AAA Pawnbrokers of North Miami

AAA Pawnbrokers of North Miami buys, sells, and pawns gold, jewelry, firearms, and general merchandise. Multi-award-winning shop open 6 days weekly with on-site concealed carry instruction.

4.9/5

Google rating from 647 reviews

BBB: NR

Profile signals: Firearm owners in North Miami seeking short-term cash access loans against firearms with local experience context and compliance assurance, Florida residents pursuing concealed carry permits who want training, application guidance, and fingerprinting coordination in one location

Crazy Abe's Pawnshop logo

Crazy Abe's Pawnshop

Crazy Abe's Pawnshop is a firearms and tactical equipment retailer specializing in handguns, rifles, shotguns, ammunition, optics, and related gear located in Marion, Arkansas.

BBB: NR

Profile signals: Firearms enthusiasts and hobby shooters seeking comprehensive tactical equipment sourcing, Hunters requiring listed optics (night vision, thermal, rangefinders, spotting scopes) and game-specific gear

One Stop Pawn Shop logo

One Stop Pawn Shop

1 Stop Pawn Shop is a West Memphis, AR-based firearms and outdoor gear retailer offering in-house retail financing with APRs from 15.99-23.99% on purchases from $500+.

BBB: NR

Profile signals: Firearms enthusiasts and hunters needing to finance tactical or hunting equipment purchases, Customers with fair-to-good credit (FICO-dependent pricing) seeking installment financing for specialty gear

Compare Your Needs With Rely-a-Pawn

Answer 3 quick questions to review category, service, and profile context.

1. What's your primary financial goal?

Quick Summary

  • Rely-a-Pawn is listed as a Pawn Shops provider in West Memphis, AR on CreditDoc.
  • Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
  • If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
  • For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.

Financial Wellness Guides

Affiliate Disclosure: CreditDoc may earn a commission when you click links to Rely-a-Pawn 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.