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USA Pawn & Jewelry in Portland, OR
USA Pawn & Jewelry is a pawn shop in Phoenix offering collateral-based loans, gold/jewelry buying, retail merchandise sales, and flexible payment options.
Data compiled from public sources · Rating from CreditDoc methodology
USA Pawn & Jewelry Review
USA Pawn & Jewelry operates as a pawn shop located at 3046 North 16th Street in Phoenix, Arizona. The company is part of the EZPAWN family of stores and serves the local community by providing quick cash solutions through pawn transactions and merchandise sales.
The company offers multiple revenue streams including pawn loans (borrowing against personal items), gold and diamond jewelry buying, retail sales of pre-owned brand-name merchandise, and firearms sales. They provide flexible payment options including layaway (10% down with monthly payments), "Take Today" financing through third-party partners (up to 12 months), and an EZ+ Rewards program that awards points on eligible transactions. Additional services include product protection plans, jewelry protection through their Jewelry VIP Program, and an Instant Quote tool for electronics valuations.
USA Pawn & Jewelry distinguishes itself through daily inventory updates, discounts ranging from 25-70% off retail prices on pre-owned items, expert precious metals testing and valuation, and extended store hours (9am-7pm weekdays and Saturday, 12pm-5pm Sunday). Their online shop enables remote browsing, and they emphasize fair pricing and respectful customer service.
As a pawn shop, this business model is best suited for consumers needing immediate cash against collateral rather than credit-based lending. The primary caveat is that pawn loans require surrendering physical items, and borrowers must repay within specified terms to reclaim possessions. All transactions are subject to terms and conditions including fees, which are not detailed on this page.
Services & Features
Auto loans
EZ+ Rewards Program with points on eligible transactions
Firearms sales at this location
Gold and diamond jewelry buying with expert precious metals testing
Instant Quote tool for electronics valuations
Jewelry VIP Program with guaranteed loan amounts and trade-up benefits
Layaway payment plans with 10% down and monthly installments
Online shop with new arrival browsing and purchase capability
Pawn loans against personal items in decent working condition
Product Protection Plans for electronics and merchandise
Retail sales of pre-owned brand-name electronics, jewelry, tools, gaming, and fashion items
Take Today third-party financing (up to 12 months depending on credit eligibility)
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Extended store hours including weekend Saturday service until 7pm and Sunday afternoon hours (12pm-5pm)
- Expert gold and diamond testing ensures fair valuation of precious metals
- Wide merchandise selection with daily inventory updates across jewelry, electronics, tools, gaming, and firearms
- Flexible payment options including layaway with only 10% down and third-party financing up to 12 months
- Significant discounts on pre-owned brand-name items (25-70% off retail prices)
- EZ+ Rewards Program provides points on pawn, redemption, sale, and purchase transactions
- Instant Quote tool allows online electronics valuations before visiting the store
Cons
- Pawn loans require surrendering physical items as collateral, creating risk of permanent loss if unable to repay
- Online payments not available in Arizona (the store's own state), limiting convenience for Arizona customers
- Website does not disclose specific interest rates, fees, or loan term details required for informed borrowing decisions
- All merchandise is pre-owned with no warranty information provided beyond optional protection plans
- Not all services available in all areas, creating uncertainty about which services apply at this specific location
Rating Breakdown
Value 5.0
Effectiveness 3.5
Customer Service 3.7
Transparency 3.5
Ease of Use 3.9
Frequently Asked Questions
Is USA Pawn & Jewelry legitimate?
Yes. USA Pawn & Jewelry is a registered company, headquartered in 8001 SE Powell Blvd Ste. P, Portland, OR 97206.
Quick Facts
- Headquarters
- 8001 SE Powell Blvd Ste. P, Portland, OR 97206
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on USA Pawn & Jewelry
USA Pawn & Jewelry is best for consumers with valuable physical items who need immediate cash and can afford to pledge collateral temporarily, or bargain-minded shoppers seeking discounted pre-owned merchandise. The main caveat is that pawn loans require surrendering items and involve undisclosed fees and terms, making this unsuitable for those seeking transparent, credit-based lending alternatives.
Best For
- Consumers needing immediate cash who own valuable items (jewelry, electronics, tools) they can temporarily pledge as collateral
- Bargain shoppers seeking discounted pre-owned brand-name electronics, jewelry, and merchandise
- Individuals selling unwanted gold, diamonds, or jewelry for cash at expert-evaluated prices
- Buyers seeking flexible payment alternatives to credit cards through layaway or third-party financing
Updated 2026-04-29
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