Phoenix's top-rated independent pawn shop, known for its late-night service window (open until 9pm weekdays), family-friendly atmosphere, and consistently fair offers.
(602) 269-9873
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Phoenix pawn shops line major corridors — Van Buren, McDowell, and Indian School Road — serving a fast-growing metro with strong demand for jewelry and electronics. PawnGuru covers the Valley's pawn scene; compare before you go.
Phoenix's top-rated independent pawn shop, known for its late-night service window (open until 9pm weekdays), family-friendly atmosphere, and consistently fair offers.
Self-described as Arizona's largest pawn shop, Mo Money Pawn features a massive showroom and a 24-hour night window for after-hours pawn transactions.
An east Phoenix FirstCash location on Van Buren Street offering comprehensive pawn services, layaway, and a large floor of affordable pre-owned merchandise.
Part of the USA Pawn & Jewelry chain (an EZCORP brand), this Phoenix location offers fast pawn loans and a broad retail inventory in the heart of central Phoenix.
Pooled US averages for how much local pawn shops typically lend by category. Your actual offer depends on condition, brand, documentation, and current demand.
Under Arizona law, the statutory maximum finance charge is 13% per month + fees and the minimum redemption period is 60 days. Your offer on any item is typically 20–35% of resale for a pawn loan, or 30–50% of resale for an outright sale. Shops in Phoenix quote offers based on their own resale market — always get two or three offers before accepting.
What every borrower should know before signing a pawn ticket in AZ.
Rates shown are statutory caps — actual offers and fees vary by shop. Confirm the current rules with the regulator and always read the pawn ticket before signing. Full Arizona state page →
PawnGuru lists 4 pawn shops inside Phoenix, AZ, plus more in surrounding cities. Use the map or phone link on any shop page to route to the closest location. Always call ahead — posted hours change, especially on holidays.
Most shops in Phoenix lend 20–35% of an item's realistic resale value for a pawn loan, and 30–50% for an outright sale. Under Arizona law, the maximum finance charge is 13% per month + fees and the minimum redemption period is 60 days.
Bring (1) a valid government-issued photo ID (required by Arizona law and federal anti-theft rules), (2) the item in working, presentable condition, and (3) any proof of ownership — original receipts, titles, or certificates of authenticity. Most shops also require you to be 18 or older.
In Phoenix and across Arizona, the most commonly pawned items are gold jewelry, diamond rings, luxury watches, smartphones and laptops, power tools (DeWalt/Milwaukee), musical instruments, firearms (FFL shops only), designer handbags, and coins or bullion.
Yes. You have at least 60 days under Arizona law to redeem by paying the loan principal plus accrued interest and fees. If you don't, the shop keeps and resells the item — the loan is non-recourse, so it doesn't affect your credit.
Arizona Department of Financial Institutions. Rules vary by state — always verify the current statutory cap, fees, and redemption period directly with the regulator or the individual shop.