EZ PAWN

What EZ PAWN does

EZPAWN is a U.S. pawn lending and pre-owned retail chain founded in 1974 in Austin, Texas, operating as a flagship brand under publicly-traded parent EZCORP, Inc. (NASDAQ: EZCO). The company runs more than 300 storefronts across 16+ states—including Texas, Oklahoma, Nevada, Colorado, Utah, Wisconsin, Tennessee, Georgia, Alabama, Arkansas, Arizona, Iowa, Illinois, Indiana, Minnesota, Mississippi, and Pennsylvania—plus an e-commerce site (shop.ezpawn.com) and a Buy-Online-Pickup-In-Store capability at select locations. Its core offer combines short-term, collateralized pawn loans (no credit check required, with fees typically calculated on appraised value—for example, a $120 appraisal carries a 20%/$24 fee for $144 total repayment) with the retail sale of pre-owned, brand-name merchandise at 25–70% below retail, supplemented by gold and precious-metal purchasing and firearms sales at select stores.

The technology stack is modest but increasingly digital: the EZ+ mobile app handles pawn loan management, extensions, and the EZ+ Rewards loyalty program; the December 2025-launched Instant Quote tool generates real-time online estimates for electronics and jewelry to drive same-day in-store conversion; and an Entrupy-powered AI computer-vision integration authenticates luxury shoes and handbags at select Circle Pawn locations. Complementary revenue lines include layaway (10% down, monthly payments), the Product Protection Plan, the Jewelry VIP Program (annual or lifetime tiers with guaranteed loan amounts and 100% trade-up), and a third-party-financed "Take Today" installment option of up to 12 months.

Go-to-market is direct-to-consumer and omnichannel, anchored by physical retail and supported by organic social (Instagram, Facebook, YouTube, TikTok), a content blog (Pawnderings), in-store promotions, and the EZ+ app for retention. Customers are predominantly individual consumers seeking quick cash without credit checks, bargain shoppers of pre-owned brand-name goods, and sellers of gold, jewelry, and unwanted items. Revenue mechanics are predominantly transactional: per-loan fees and interest, plus one-time retail merchandise sales, with small recurring streams from protection plans and the Jewelry VIP subscription.

Name

EZ PAWN

Legal name

EZPAWN

Website

https://ezpawn.com

Company type

Private

Founded year

1974

Operating status

Operating

Headcount range

11–50 employees

Short description

EZPAWN is a U.S. pawn lending and pre-owned retail chain founded in 1974 in Austin, Texas, operating 300+ stores across 16+ states under publicly-traded parent EZCORP. It provides collateralized cash loans and resells brand-name merchandise at 25–70% off retail to cash-strapped and value-seeking consumers.

Ownership category

akta.pro rank

Product category

Pawn Shop Services

NAICS

Jewelry Retailers (45831), Jewelry Retailers (458310), Sales Financing (52222), Used Merchandise Retailers (4595), Used Merchandise Retailers (459510), Jewelry, Luggage, and Leather Goods Retailers (4583)

SIC

Retail-Jewelry Stores (5944)

akta.pro primary industry

Traditional Pawn Loans (Pawnbrokers) (FSAKALAA)

akta.pro secondary industries

Pawn & Collateral-based Jewelry Retail (CRAKAGAL), Jewelry, Watches & Luxury Omnichannel (CRAFAEAH), Online/Digital Pawn & Remote Collateral Lending (FSAKALAG), Electronics & Tools Collateral Loans (FSAKALAD), Luxury Pawn & Collateral Lending (Watches/Jewelry) (CRAKAKAG)

Keywords

• Pawn loan services
• Collateral lending
• Pre-owned retail
• Precious metals buying
• Short-term cash loans

Headquarters

HQ city

Austin

HQ country

United States

HQ region

North America

Offices37 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales, Supply Chain, Technology or R&D

Revenue model

1. Pawn Loan Interest and Fees: Pawn loans are short-term collateralized loans where customers receive cash in exchange for personal items as collateral. The company earns revenue through interest and fees on these loans. Example: a $120 appraisal requires repayment of loan amount plus 20% ($24) in fees for total of $144.
2. Retail Merchandise Sales: Sale of pre-owned, brand-name merchandise including electronics, jewelry, tools, firearms, musical gear, handbags, and sneakers. Items are acquired through defaulted pawn loans and direct purchases. Merchandise is sold at 25-70% below retail prices.
3. Gold and Precious Metal Purchasing: Purchase of gold and diamond jewelry, broken gold, and precious metals from customers. Expert gold buyers test and evaluate precious metals to determine fair prices.
4. Firearms Sales: Sale of firearms including rifles, shotguns, and handguns. Available at select store locations. Redemption of pawned firearms subject to background check unless exempted by law.
5. Protection Plans and VIP Programs: Product Protection Plan offering coverage on computers, audio/video equipment for a small one-time payment. Jewelry VIP Program offering guaranteed loan amounts and 100% trade-up on future purchases.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels8 records

Core offering

EZPAWN provides short-term collateralized pawn loans using personal items such as electronics, jewelry, tools, and firearms as collateral, with no credit check required. It also sells pre-owned brand-name merchandise acquired through defaulted loans and direct purchases at 25–70% below retail, and buys gold, diamond jewelry, and precious metals for cash. Operations span 300+ physical storefronts across the U.S., supported by the EZ+ mobile app, an online Instant Quote tool, and the EZ+ Rewards loyalty program.

Product overview

EZPAWN is a pawn shop chain providing pawn loans, retail merchandise sales, and sell-for-cash services. The company operates a unified retail model combining physical store locations with digital services including the EZ+ mobile app for loan management, an Instant Quote online tool for electronics估值, and the EZ+ Rewards loyalty program. Merchandise categories include electronics, jewelry, tools, musical gear, gaming, firearms, and handbags. Payment options include layaway, third-party financing, and product protection plans. EZPAWN is part of the EZCORP family of brands which includes Value Pawn, USA Pawn, Cash Converters, Premier Pawn, Circle Pawn, Cash Pawn, and other regional pawn brands. The company was founded in 1974 in Austin, Texas.

Differentiator

Problem solved

Functional benefit

Brands

• EZ+ App: Digital app to manage pawn loans on smartphone, extend loans, and manage payments

Products and services

• Pawn Loans Short-term collateralized loans provided in exchange for personal items such as electronics, jewelry, tools, and firearms. No credit check is required; items are appraised in-store and same-day cash is provided. Example pricing: a $120 appraisal requires $144 total repayment (20% fee for one-month maturity), with APR varying by state.
• Retail Merchandise Pre-owned brand-name merchandise including electronics, jewelry, tools, musical gear, gaming, handbags, sneakers, and firearms, sourced from defaulted pawn loans and direct customer purchases. Sold at 25–70% below new retail prices with new items arriving daily.
• Sell Services Direct sale of personal items to EZPAWN for instant cash with no strings attached. Professional staff provide free appraisals.
• Gold Buying Purchase of gold, diamond jewelry, broken gold, and precious metals from customers. Expert gold buyers test all precious metals to determine fair prices and pay competitive rates.
• Firearms Services Loans, purchases, and sales of firearms including rifles, shotguns, and handguns at select stores. Secure on-site storage is provided; redemption of pawned firearms is subject to background check unless exempted by law.
• Online Shop E-commerce storefront (shop.ezpawn.com) where customers can browse and purchase merchandise online, with delivery and BOPIS options at select locations.
• Layaway Payment plan requiring 10% down payment plus affordable monthly installments, allowing customers to lock in current prices and pay over time until final payment is made.
• Take Today (Third-Party Financing)

Quantifiable outcome

• Save 25% to 70% off new retail prices on pre-owned merchandise
• +2 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability2 records

Feature3 records

Partnerships

One partnership is on record.

• Third-Party Financing CompaniessupportiveOthersPartnership with third-party financing companies to offer flexible payment options allowing customers to take items home today and pay over time, up to 12 months or more depending on availability and credit eligibility.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• FirstCash Holdings: FirstCash (NASDAQ: FCFS) is the largest U.S. and Latin American pawn operator with over 3,000 locations. It is the closest direct competitor to EZPAWN, operating an identical collateralized pawn loan plus pre-owned retail model across overlapping geographies.
• World Pawn & Jewelry: World Pawn & Jewelry is a regional pawn chain in the U.S. offering the same combined pawn loan and pre-owned retail merchandise business model, often in the same Sun Belt geographies as EZPAWN.
• TitleMax: TitleMax operates a large U.S. network of storefronts offering title/collateral-based short-term loans. It targets the same credit-constrained consumer segment as EZPAWN with similar brick-and-mortar distribution.
• Check Into Cash: Check Into Cash is a U.S. payday and installment lender with physical storefronts serving the same unbanked/underbanked customer base that pawn shops rely on for collateralized lending demand.
• Money Mart: Money Mart (and affiliated brands in the U.S./Canada) operates retail storefronts offering short-term cash advances, check cashing and pawn-like services, directly comparable to the EZPAWN physical-lending model.

Emerging players

• Dave: Dave is a fintech that offers small-dollar cash advances via a mobile app. It targets the same cash-strapped consumer segment but without collateral or a physical footprint, representing a digital alternative to EZPAWN's pawn loan product.
• Earnin: Earnin provides earned-wage access and cash advances on a mobile platform with no fees, directly competing for the same underbanked customer that historically would have used pawn loans for small-dollar cash needs.
• Affirm: Affirm is a BNPL provider that enables customers to purchase merchandise and pay over time (similar to EZPAWN's 'Take Today' third-party financing option and layaway). It competes for the same value-conscious shopper seeking big-ticket retail purchases.
• Brigit: Brigit is a mobile-first financial health app offering instant cash advances and budgeting tools. It targets the underbanked consumer category with a digital experience that contrasts with EZPAWN's storefront-heavy approach.

Regional players

• Cash Converters International: Cash Converters is an international pawn and second-hand goods franchise; while the brand name is also licensed within EZCORP, the parent company across geographies operates an identical pawn/retail model and competes for the same customer category outside the U.S.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/EZPawnOfficial
• YouTubeyoutube.com/@EZPAWNofficial
• Facebookfacebook.com/EZPAWN
• LinkedInlinkedin.com/company/ezpawn-19005
• Instagraminstagram.com/ezpawnofficial

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about EZ PAWN