Fort Smith's trusted destination for instant collateral cash, gold bullion, contractor-grade tools, quality jewelry, and certified electronics.
All merchandise is shop-tested, cleaned, serial-checked, and authenticated. Lock in any item today with just 20% down on our 90-day layaway plan.
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A pawn collateral loan allows you to borrow cash against your personal property without credit checks or bank statements. You always retain ownership of your items.
Bring in your gold jewelry, contractor power tools, diagnostic scanners, electronics, or musical gear with a valid state ID.
Our certified Fort Smith pawnbrokers test karat purity, functionality, and market value to formulate our highest cash loan and buyout offers.
Accept the collateral loan offer, sign the Arkansas pawn ticket, and receive cash on the spot in under 10 minutes.
Repay the loan balance plus state-regulated fees anytime to pick up your property, or simply pay the interest to extend another term.
Need cash right now? See an instant estimate of what 1st Choice Pawn can lend or pay you today in Fort Smith.
Found a heavy-duty tool combo, diagnostic scanner, or gold bracelet you love? Don't let someone else buy it. Put down just 20% today, take up to 90 days to pay the balance with zero interest and zero hidden charges.
Hear from local Fort Smith and River Valley residents who rely on 1st Choice Pawn.
"Fairest pawn shop in Fort Smith. When our work truck needed an emergency radiator repair, I brought in my Milwaukee M18 kit. They gave me honest money, stored it in their safe vault, and I had my tools back the next month without hassle."
"Bought a 14K gold rope chain and diamond wedding band on their 90-day layaway. The mall jewelry stores wanted three times the price for the exact same gram weight. The staff at 1st Choice are courteous, honest, and know the trade."
"Their tool and diagnostic gear section is unbeatable. Picked up an OBD2 scanner and a Fender guitar in mint shape for a fraction of retail. Tested them right on the counter with the staff. 1st Choice is always my first stop on Saturday mornings."
Have questions about an item in stock, interest terms on pawn loans, or want to check if we accept an item? Send us a message below.
Located right on Towson Avenue in Fort Smith with private appraisal appraisal counters and customer parking.