Pawn Shop Statistics 2026: Mid-Year Update, Loan Data & Trends
U.S. pawn shop market size, average loan amounts, redemption rates, jewelry collateral, gold-price trends, consumer financial access, public-company results, and pawn-lending rules — with what changed in H1 2026 and what to watch in H2.
Local note: This is a national industry-statistics article, not the main local service page for pawn loans. For local store details at Larsen's Jewelry & Half Interest Pawn in Mobridge, SD, use the Pawn Loans in Mobridge page, the What We Pawn in Mobridge page, the Cash for Gold page, or text photos to (605) 850-9455 before making the drive.
What Changed in Mid-2026
With H1 2026 (Q1 and Q2) now complete, here's what shifted since this report was first published — and what to watch through the back half of the year.
Gold hit fresh 2026 highs
The World Gold Council reported 53 record highs for the LBMA PM gold price during 2025, with gold crossing US$4,000/oz in October 2025. Spot gold continued pressing to new records through Q2 2026. Higher spot gold directly lifts collateral values on gold jewelry, chains, class rings, dental gold, and estate pieces — affecting both pawn loan amounts and outright cash-for-gold offers.
FirstCash posted a record Q1
FirstCash reported revenues above $1 billion, up 26% year over year, with diluted EPS up 30% and pawn receivables of $851 million at 31 March 2026. Same-store pawn receivables rose 19% in the U.S. The company also raised its 2026 revenue guidance.
EZCORP fiscal 2026 up too
EZCORP's first quarter of fiscal 2026 showed total revenues up 19% to $382.0 million, gross profit up 20% to $223.0 million, and pawn loans outstanding up 14% to $314.4 million. Both of the largest U.S. public pawn operators grew — a real signal on the operator side.
Underbanked share held steady
The FDIC's 2023 household survey (still the most recent published dataset) shows 14.2% of U.S. households underbanked and 4.2% unbanked. The Federal Reserve's 2024 SHED continues to show ~6% of adults using payday, pawn, auto title, or tax refund anticipation loans — the alternative-credit floor for pawn demand.
Bottom line for mid-2026: Record gold prices, steady alternative-credit demand, and record results from both large public operators point the same direction — the pawn industry is not slowing in 2026. Local shops that explain offers transparently and evaluate items quickly remain well-positioned.
2026 Pawn Shop Industry Overview
Pawn shops remain a major part of the U.S. small-dollar credit landscape. The National Pawnbrokers Association describes pawn loans as small, short-term, collateral-based loans. The NPA's Pawn Industry Statistics sheet cites an average loan around $150, while the NPA's current FAQ says pawn transactions average less than $180 nationwide. NPA materials also cite a redemption rate around 85%, roughly 7,771 pawn stores nationwide, approximately 37,000 people employed, and about $3 billion contributed to the U.S. economy. IBISWorld's public market-size page lists the U.S. pawn shop market at about $4.5 billion in 2025, and this mid-2026 update uses that as the latest public market-size reference. FDIC and Federal Reserve data show why alternative financial services still matter for households that are unbanked, underbanked, or facing short-term cash-flow gaps.
This report is built to be useful for journalists, bloggers, local business owners, researchers, and customers comparing pawn loans with other short-term credit options. It summarizes the key numbers, explains what they mean, and links to the source material where possible. It is refreshed quarterly — the last full refresh was July 13, 2026.
2026 Pawn Shop Data Snapshot (Mid-Year)
Need a quick citation? These are the most linkable statistics from this report, refreshed for mid-2026. Several figures are source-dependent estimates or projections, so cite the source and year when referencing them.
Top 10 Pawn Shop Statistics for 2026
This table is designed for quick reference. When citing a number, include the source name and year where available because pawn industry figures can vary by methodology.
| Statistic | Figure | Source / Context |
|---|---|---|
| Average U.S. pawn loan amount | About $150 (NPA statistics sheet); less than $180 (NPA FAQ) | National Pawnbrokers Association |
| National pawn-loan redemption rate | About 85% | National Pawnbrokers Association |
| U.S. pawn shop market size | About $4.5 billion in 2025 | IBISWorld public market-size page |
| U.S. pawn store locations | About 7,771, most family-owned small businesses | National Pawnbrokers Association |
| Industry employment | Approximately 37,000 people | National Pawnbrokers Association |
| FirstCash Q1 2026 pawn receivables | $851 million; revenues +26%, diluted EPS +30% | FirstCash Q1 2026 results |
| EZCORP Q1 FY2026 pawn loans outstanding | $314.4 million, up 14% | EZCORP Q1 fiscal 2026 results |
| Underbanked U.S. households | 14.2% in 2023 (4.2% unbanked) | FDIC |
| Adults using payday, pawn, auto title, or tax refund anticipation loans | 6% in 2024 | Federal Reserve SHED |
| Gold price record highs | 53 new all-time highs in 2025; above US$4,000/oz from October 2025 | World Gold Council |
Key Findings from 2026 Pawn Shop Statistics
- $150 to less than $180: The NPA's Pawn Industry Statistics sheet cites an average around $150, while the current NPA FAQ describes pawn transactions as averaging less than $180 nationwide.
- 85%: NPA-cited share of pawn loans that are repaid, with borrowers reclaiming collateral.
- $4.5 billion: IBISWorld's public market-size page lists U.S. pawn shop market size at about $4.5 billion in 2025.
- 7,771: NPA-cited U.S. pawn store location count, most of them family-owned small businesses.
- 37,000 jobs and $3 billion: NPA-cited industry employment and contribution to the U.S. economy.
- 14.2% and 4.2%: FDIC-reported shares of U.S. households classified as underbanked and unbanked in 2023.
- 6%: Federal Reserve SHED share of adults who used a payday, pawn, auto title, or tax refund anticipation loan in 2024.
- Jewelry leads: Jewelry is widely described as the dominant pawn collateral category, though exact shares vary by operator and market.
- 36%: Military Lending Act APR cap for active-duty servicemembers and covered dependents.
- H1 2026 operator signal: FirstCash revenues topped $1 billion (+26%) with $851M pawn receivables; EZCORP pawn loans outstanding rose 14% to $314.4M.
Getting a pawn loan or selling gold in Mobridge, SD?
National statistics are useful, but your offer depends on your item's condition, brand, metal content, and current market. Larsen's Jewelry & Half Interest Pawn at 211 N Main St offers same-day pawn loans with no credit check and transparent cash-for-gold testing.
1. U.S. Market Size and Revenue
Market data points to consolidation rather than simple decline. The number of individual operators can fall while overall industry revenue rises because larger multi-location companies control a greater share of transactions. IBISWorld's public market-size page lists the Pawn Shops in the US market at approximately $4.5 billion in 2025, with modest recent growth. Because 2026 market estimates vary by publisher and methodology, this article treats $4.5 billion as the latest public IBISWorld benchmark rather than a guaranteed 2026 revenue figure.
Revenue and Store Count Trends
Store-count and establishment-count figures vary because different sources use different methodologies. A trade association may count every storefront, while an industry research firm may count business establishments or operators differently. That is why this report separates store counts, establishments, and revenue instead of treating them as interchangeable.
| Metric | Value | Source |
|---|---|---|
| U.S. market-size benchmark | About $4.5 billion in 2025 | IBISWorld Pawn Shops market size page |
| U.S. market growth | Positive low-single-digit growth in recent IBISWorld projections | IBISWorld |
| U.S. store locations | About 7,771, most family-owned small businesses | NPA Pawn Industry Statistics |
| Industry employment and economic contribution | About 37,000 employed; about $3 billion contributed | National Pawnbrokers Association |
Methodology note: Store counts, establishments, and business counts are not always the same thing. Use care when comparing NPA, IBISWorld, SEC filing, and market-research figures.
For many customers, a pawn loan is a direct way to access short-term cash using an item they already own. For a local step-by-step explanation, read our guide on how pawn loans work in Mobridge, SD.
2. Pawn Loan Mechanics, Terms, and Costs
A pawn loan is a collateral-based loan. The borrower leaves an item with the pawnbroker, receives a loan, and can repay within the loan period to reclaim the item. If the borrower does not repay, the item is forfeited and sold. In a typical pawn transaction, there is no credit check, no credit reporting, and no collection balance after forfeiture.
How Pawn Loan Amounts Are Determined
Pawnbrokers generally lend against an item's realistic resale value, not its original retail price or sentimental value. A ring, tool, instrument, or electronic item is reviewed for condition, demand, completeness, brand, metal content, market pricing, and resale risk. For jewelry, karat, weight, and current precious-metal prices often matter heavily.
Loan Terms, Fees, and APR Ranges
Pawn loan terms and fees vary by state. Monthly charges may include interest and service fees, and APR can look high when a short-term monthly fee is annualized. The important consumer distinction is that pawn loans are secured by collateral and are usually non-recourse. CFPB Regulation 1041 commentary describes an excluded pawn loan as one where the lender keeps physical possession of the property and has no recourse, if the consumer does not redeem and repay, other than retaining the pawned property according to state or local law. The borrower can repay and reclaim the item, renew where allowed, or forfeit the collateral with no remaining balance.
| Metric | Typical Figure | Source / Context |
|---|---|---|
| Average pawn loan amount | About $150 (NPA statistics sheet); less than $180 (NPA FAQ) | National Pawnbrokers Association |
| Loan-to-value basis | Often based on resale value, not retail value | Industry practice |
| Redemption rate | About 85% | National Pawnbrokers Association |
| Forfeiture outcome | Collateral is kept and sold; no remaining loan balance | Pawn loan structure |
| Military Lending Act cap | 36% MAPR for covered borrowers | CFPB / Department of Defense |
Pawn Shop Interest Rates by State
This is the question with no single answer, and the reason is structural. Pawn transactions are regulated state by state, under pawn-specific statutes rather than general usury law. A pawnbroker is usually exempt from a state's ordinary interest cap precisely because a separate chapter sets the pawn rules. So there is no national pawn interest rate, and any article that hands you one number for the whole country is describing something that does not exist.
What states actually do falls into three patterns, and knowing which one applies matters more than the headline percentage:
| How the state caps it | What that means | What to check |
|---|---|---|
| A single monthly cap on the total charge | One percentage covers interest and every permitted fee combined, per 30-day period. The cleanest structure to compare. | Whether the cap is on the total charge or only on the interest component. |
| A tiered schedule by loan size | The statute lists dollar brackets, and smaller loans are allowed a higher percentage. A $50 loan and a $500 loan are priced under different rules. | Which bracket your loan amount falls into. |
| A low stated interest rate plus permitted fees | The headline "interest" looks modest, but storage, handling, ticket or preparation fees are allowed on top. The stated rate understates what you pay. | The fee schedule, not the interest rate. This is where cross-state comparisons usually go wrong. |
A worked example: Florida
Florida uses the first structure, and states it plainly. Florida Statute § 539.001(11)(a) sets the interest component at 2% of the amount financed per 30-day period, then allows the pawnbroker to charge any additional service charge so long as the total does not exceed 25% of the amount financed per 30-day period, with a $5 minimum. So Florida's real number is 25% per 30 days, all-in — and the 2% "interest rate" on its own would badly mislead anyone comparing states.
The one rule that applies in every state
The Military Lending Act caps the Military Annual Percentage Rate at 36% for active-duty servicemembers and their covered dependents, in every state, regardless of what the state pawn statute allows. That is a federal floor under the whole patchwork.
How to find your own state's rule
- Search the pawn-specific chapter, not the usury chapter. Try "[your state] pawnbroker statute" or "[your state] pawn transaction service charge". The general interest-rate law usually will not apply.
- Check your state's financial regulator. Many states license pawnbrokers through a banking or financial-regulation division that publishes a current rate schedule.
- Read for the total, not the interest line. If the statute separates interest from fees, the number that matters to you is the sum.
- Ask the shop to show you the arithmetic before you sign. A pawnbroker who will not walk you through the charge on the ticket is telling you something.
For South Dakota, pawnbrokers sit under South Dakota Codified Law Chapter 37-16. Larsen's publishes its own rate and the arithmetic behind it on the Pawn Loans in Mobridge page rather than quoting it only at the counter.
3. Collateral Types and Precious Metals
Jewelry is widely described as the dominant pawn collateral category because it is portable, recognizable, durable, and often easy to evaluate by metal content and resale demand. Gold rings, chains, earrings, class rings, watches, estate pieces, coins, and bullion all sit at the intersection of pawn lending, resale, and precious-metal markets.
The World Gold Council reported that the LBMA PM gold price set 53 new all-time highs in 2025, with gold crossing US$4,000 per ounce in October 2025, and spot gold continued setting fresh records through H1 2026. Higher gold prices can increase the collateral value of gold jewelry and can also affect cash for gold payouts when customers choose to sell instead of pawn.
| Category | Why It Matters | Related Local Page |
|---|---|---|
| Gold jewelry | Often evaluated by karat, weight, condition, and resale demand | Cash for Gold |
| Silver and bullion | Evaluated by purity, weight, market pricing, and coin premiums | Silver Bullion |
| Black Hills Gold | Regional jewelry style with South Dakota recognition and resale appeal | Black Hills Gold |
| Tools and electronics | Condition, completeness, brand, and accessories can affect value | What We Pawn |
Gold hit fresh 2026 highs. Wondering what your gold or silver is worth in Mobridge?
Higher gold prices affect both pawn loan collateral values and outright selling offers. Larsen's Jewelry tests and weighs gold and silver in front of you and explains how every offer is calculated. No guessing. No pressure.
4. Consumer Demographics and Financial Access
Pawn services are part of the broader alternative financial services landscape. The FDIC reported that 14.2% of U.S. households were underbanked in 2023, representing about 19.0 million households, while 4.2% were unbanked. The Federal Reserve's 2024 SHED data reported that 6% of adults used a payday, pawn, auto title, or tax refund anticipation loan in the prior 12 months. The NPA describes the pawn industry as providing a financial safety net to over 30 million unbanked or underbanked Americans annually.
These figures do not mean every pawn customer is unbanked or underbanked. Pawn customers include workers managing cash-flow gaps, collectors, resellers, small business owners, and people who prefer collateral-based credit because it does not require a credit check.
| Metric | Value | Source |
|---|---|---|
| Underbanked households | 14.2% in 2023 | FDIC 2023 Household Survey |
| Unbanked households | 4.2% in 2023 | FDIC |
| Adults using payday, pawn, auto title, or tax refund anticipation loans | 6% in 2024 | Federal Reserve SHED |
| Unbanked or underbanked Americans served annually | Over 30 million, per the NPA | National Pawnbrokers Association |
5. Industry Consolidation and Major Operators
The pawn industry includes large public companies, regional chains, and independent local stores. Public-company filings are useful because they show receivables, store counts, and growth strategy. Large operators such as FirstCash and EZCORP continue to influence the industry, but independent shops still matter in communities where local relationships, item knowledge, and flexible evaluation are important.
Local shops can also connect pawn lending with related services such as jewelry repair, estate jewelry evaluation, gold buying, silver bullion, consignment, and retail jewelry. That broader service mix is one reason local pawn and jewelry stores can be more than short-term lenders.
Who Is the Market Leader in U.S. Pawn Loans by Number of Locations?
FirstCash, by a margin of more than two to one. Both companies publish store counts in their SEC filings, so this one is countable rather than estimated:
| Operator | U.S. pawn stores | Total pawn stores | As of |
|---|---|---|---|
| FirstCash | 1,207 in 29 states and D.C. | 3,334 — including 1,733 Mexico, 289 U.K., 75 Guatemala, 18 El Salvador, 12 Colombia | 31 March 2026 |
| EZCORP | 560 | 1,549 — including 881 Latin America and 108 SMG | 30 June 2026 |
The number worth putting next to those: the NPA counts about 7,771 pawn stores in the United States. So FirstCash operates roughly 16% of U.S. pawn storefronts and EZCORP roughly 7% — about 23% between them, leaving roughly 77% of U.S. pawn shops independent. Consolidation is real and it is concentrated at the top, but the majority of the industry is still single-location and family-owned.
Public-Company H1 2026 Results
Public-company results do not represent every independent pawn shop, but they are useful signals for the direction of demand — and in H1 2026 both of the largest U.S. operators reported growth.
FirstCash reported record first-quarter 2026 results: consolidated revenues above $1 billion, up 26% year over year, with net income and adjusted EBITDA both up 29% and diluted earnings per share up 30%. Pawn receivables reached $851 million at 31 March 2026, with same-store pawn receivables up 19% in the U.S., 30% in Latin America and 29% in the U.K. on a local-currency basis. The company raised its 2026 revenue guidance.
EZCORP reported first-quarter fiscal 2026 results (quarter ended 31 December 2025) with total revenues up 19% to $382.0 million, gross profit up 20% to $223.0 million, and pawn loans outstanding up 14% to $314.4 million.
| Company | H1 2026 figures | Why it matters |
|---|---|---|
| FirstCash | Q1 2026 revenues over $1B (+26%); diluted EPS +30%; pawn receivables $851M; U.S. same-store receivables +19% | Record quarter from the largest U.S. pawn operator, with growth concentrated in receivables and fee income. |
| EZCORP | Q1 FY2026 revenues +19% to $382.0M; gross profit +20% to $223.0M; pawn loans outstanding +14% to $314.4M | Second-largest public operator growing on the same measures, which strengthens the read on demand. |
| Independent shops | Local results vary by market | Independent stores depend heavily on local inventory, local demand, gold prices, and customer relationships. |
6. Regulation and Consumer Protections
Pawn transactions are governed by federal, state, and local rules. Federal laws may include disclosure, military lending, privacy, and anti-money-laundering obligations, while state law usually shapes rates, holding periods, renewals, reporting, and other pawn-specific requirements. In South Dakota, readers can review South Dakota Codified Law Chapter 37-16 for pawnbroker statutes.
Because rules vary by state and transaction type, this article is informational only. It is not legal, tax, financial, or investment advice. Customers should ask the store to explain the terms before entering any pawn transaction.
Pawn Shop Statistics by the Numbers
| Statistic | Current Figure Used in This Report | Primary Source / Context |
|---|---|---|
| U.S. pawn shop market size | About $4.5 billion in 2025 | IBISWorld public market-size page |
| Average pawn loan amount | About $150 (NPA statistics sheet); less than $180 (NPA FAQ) | National Pawnbrokers Association |
| National redemption rate | About 85% | National Pawnbrokers Association |
| U.S. store locations | About 7,771 | National Pawnbrokers Association |
| Industry employment | About 37,000 people | National Pawnbrokers Association |
| Economic contribution | About $3 billion to the U.S. economy | National Pawnbrokers Association |
| Underbanked households | 14.2% in 2023 | FDIC |
| Unbanked households | 4.2% in 2023 | FDIC |
| Adults using payday, pawn, auto title, or tax refund anticipation loans | 6% in 2024 | Federal Reserve SHED |
| Gold price record highs | 53 new highs in 2025; above US$4,000/oz from October 2025 | World Gold Council |
What the 2026 Pawn Shop Data Means for Borrowers
Pawn loans are small-dollar liquidity tools
The $150 average loan amount shows that pawn lending often fills short-term gaps rather than replacing larger bank credit.
Most borrowers reclaim their items
The 85% redemption rate supports the idea that pawn loans often function as temporary bridges, not automatic forfeitures.
Gold prices can change local offers
With gold above US$4,000/oz since late 2025, loan amounts and selling offers for gold jewelry, coins, bullion, and estate pieces have moved with it.
Independent shops still have a role
Even with consolidation, local shops can offer item-by-item explanations, relationship-based service, consignment, and regional product knowledge.
For local questions about what your items might be worth or how the pawn process works in Mobridge, SD, visit our pawn loans page or text photos to (605) 850-9455.
What to Watch: H2 2026 Pawn Industry Signals
Looking ahead through the second half of 2026, here are the four signals worth watching for pawn shop industry trends, gold-collateral values, and consumer credit demand:
1. Back-to-school lending (Aug–Sep)
Pawn loan volume commonly upticks in August and September as families cover school supplies, sports fees, and pre-school-year expenses. FirstCash and EZCORP Q3 filings in October should show whether that held in 2026.
2. Gold trajectory through Q4
Gold set 53 record highs in 2025 and crossed US$4,000/oz in October 2025. If that pattern continues into Q4 2026, collateral values for gold jewelry rise with it. The World Gold Council publishes Q3 demand trends in October.
3. Holiday season activity (Nov–Dec)
Pawn shops typically see two competing forces in Q4: rising cash needs from holiday spending versus seasonal redemption pressure. Loan-to-redemption ratios in November and December are worth tracking.
4. The 2025 FDIC household survey
The FDIC runs its National Survey of Unbanked and Underbanked Households in odd years — 2019, 2021, 2023 — and the 2025 survey is the next release. It will refresh the underbanked share, currently 14.2% from the 2023 data.
Pawn Shop Statistics FAQ
What is the average pawn loan amount in the U.S.?
The National Pawnbrokers Association's Pawn Industry Statistics sheet cites the average pawn loan amount around $150, while the NPA FAQ describes pawn transactions as averaging less than $180 nationwide. Actual loan amounts vary by item, condition, resale value, local demand, precious-metal prices, and state rules.
What percentage of pawn loans are repaid?
National Pawnbrokers Association materials cite a redemption rate around 85%, meaning most borrowers repay the loan and reclaim their collateral.
How large is the U.S. pawn shop industry in 2026?
This report uses IBISWorld's public market-size benchmark of about $4.5 billion in 2025 for the U.S. pawn shop market. The NPA cites about 7,771 pawn stores employing approximately 37,000 people and contributing about $3 billion to the U.S. economy. 2026 market estimates vary by publisher, and store counts and establishment counts vary by methodology.
How did the big pawn companies perform in 2026?
Both of the largest U.S. public pawn operators grew in the first half of 2026. FirstCash reported record first-quarter revenues above $1 billion, up 26% year over year, with diluted earnings per share up 30% and pawn receivables of $851 million at 31 March 2026. EZCORP reported first-quarter fiscal 2026 revenues up 19% to $382.0 million and pawn loans outstanding up 14% to $314.4 million.
What are pawn shop interest rates by state?
There is no single national figure, because pawn transactions are governed by state-specific pawn statutes rather than general usury law, and the statutes are structured differently. Some states cap the total monthly charge at one percentage; some use a tiered schedule where smaller loans are allowed a higher rate; and some set a low stated interest rate but permit storage, handling or ticket fees on top, so the headline rate understates the cost. Florida is a clear example of the first type: Fla. Stat. 539.001(11)(a) sets the interest component at 2% of the amount financed per 30-day period but caps the total pawn service charge at 25% per 30-day period. One rule applies everywhere — the Military Lending Act caps the Military APR at 36% for active-duty servicemembers and covered dependents in every state. To find your own state's rule, search the pawnbroker chapter rather than the usury chapter, and read for the total charge rather than the interest line.
Who is the market leader in U.S. pawn loans by number of locations?
FirstCash, by more than two to one. FirstCash operated 1,207 pawn stores across 29 U.S. states and the District of Columbia as of 31 March 2026, out of 3,334 pawn stores worldwide. EZCORP operated 560 U.S. pawn stores as of 30 June 2026, out of 1,549 locations in total. Set against the National Pawnbrokers Association's count of about 7,771 U.S. pawn stores, that puts FirstCash at roughly 16% of U.S. storefronts and EZCORP at roughly 7% — about 23% combined, which leaves close to 77% of American pawn shops independent.
What items are most commonly pawned?
Jewelry is widely described as the leading pawn collateral category. Electronics, tools, watches, coins, bullion, musical instruments, sporting goods, and other resaleable items are also common.
Do pawn loans affect your credit score?
Typical pawn loans do not require a credit check and are not reported to credit bureaus. If a borrower does not repay, the collateral is forfeited rather than creating a collection balance.
Why do pawn shop statistics vary by source?
Different sources count different things. Trade associations may count storefronts, research firms may count business establishments, and public-company filings only cover specific operators. That is why this article labels each statistic with its source context.
Are pawn shops growing or shrinking in 2026?
Mixed picture. The number of individual stores may be flat or declining while overall industry revenue rises as larger operators consolidate. FirstCash reported record Q1 2026 results with revenues up 26% and pawn receivables of $851 million, and EZCORP reported pawn loans outstanding up 14% to $314.4 million — both suggesting the industry as a whole grew in H1 2026 even as store-count trends vary.
Looking for a Pawn Shop Near You?
This statistics article attracts readers from across the country. If you are researching pawn shops locally or in the Mobridge, South Dakota area, Larsen's Jewelry & Half Interest Pawn at 211 N Main St in Mobridge offers the services described in this data — in person, with clear explanations and no pressure.
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Download / Reuse This Data
Bloggers, journalists, local business owners, and researchers may quote or summarize the statistics on this page with attribution. Please link back to this report when referencing the data summary, charts, tables, or source roundup.
Recommended attribution: Source: Larsen's Jewelry & Half Interest Pawn, Pawn Shop Statistics 2026 — Mid-Year Update, July 2026.
For easiest reuse, cite the Top 10 Pawn Shop Statistics table, the Data Snapshot, the Mid-Year Update, or the Stats by the Numbers section.
Cite This Pawn Shop Statistics Report
Suggested citation: Larsen's Jewelry & Half Interest Pawn. "Pawn Shop Statistics 2026: Mid-Year Update, Loan Data & Trends." Updated July 13, 2026. https://www.halfinterestpawn.com/blog/pawn-shop-statistics-2026
You may cite or reference this statistics roundup when discussing U.S. pawn shop market size, average pawn loan amounts, redemption rates, pawn collateral trends, underbanked households, gold-price context, and major pawn industry operators. Please link back to this page when using the data summary.
Have a Local Pawn Loan or Gold Question in Mobridge?
National statistics are useful, but your item value depends on condition, demand, metal content, resale value, and in-store inspection. For local questions in Mobridge, start with Larsen's pawn loan, gold buying, or item category pages.
Methodology and Sources
This analysis was compiled from industry, government, financial, and public-company sources. Where a number is a projection, estimate, or source-specific figure, this article labels it as such. Statistics should be cited with the source and year because pawn-industry data can vary by methodology.
This report is refreshed quarterly. The mid-year update includes H1 2026 (Q1 and Q2) data and forward-looking H2 signals.
Last source review: July 13, 2026. Source updates may change individual figures, especially projections, market-size estimates, public-company store counts, and precious-metal data.
- National Pawnbrokers Association, Pawn Industry Statistics
- National Pawnbrokers Association, Pawn Industry FAQs
- IBISWorld, Pawn Shops in the US market size
- FDIC 2023 National Survey of Unbanked and Underbanked Households
- Federal Reserve 2024 SHED Report
- World Gold Council, Gold Demand Trends: Full Year 2025
- CFPB, consumer use of payday, auto title, and pawn loans
- CFPB, Military Lending Act pawn-lender enforcement context
- CFPB Regulation 1041.3 pawn-loan exclusion and non-recourse context
- FirstCash Holdings, Inc., record first quarter 2026 operating results
- EZCORP, Inc., first quarter fiscal 2026 results
- FirstCash Holdings, Inc., Form 10-Q for the quarter ended 31 March 2026 — source of the 1,207 U.S. and 3,334 total pawn store counts
- EZCORP, Inc., Form 10-Q for the quarter ended 30 June 2026 — source of the 560 U.S. and 1,549 total store counts
- Florida Statute § 539.001 — Pawnbroking transactions — source of the 25% per 30-day pawn service charge cap
- South Dakota Codified Law Chapter 37-16 — Pawnbrokers
Last updated: July 13, 2026 (Mid-Year Update). This post is informational only and does not constitute financial, investment, legal, or tax advice.
