Key Facts Full Breakdown Violations FAQ Sources

Maricopa County, AZ Business Licensing & Operations: Pawnbrokers (2026)

Heavy Restrictions

Verified 2 weeks ago|Source: Maricopa County Code →

Recently verified

Key Facts

Hold period: 90 days
Interest cap: 10% per month
Statute: ARS 44-1621
Reporting: Daily to police

City-specific rules exist: Phoenix has its own pawnbrokers rules that differ from Maricopa County's county-level regulations. If you live in Phoenix, check the city-specific page instead.

Summary

Arizona Revised Statutes Section 44-1621 et seq. governs pawnbrokers statewide with strict recordkeeping and law-enforcement reporting requirements. Maricopa County Sheriff oversees unincorporated dealers; cities add local licensing on top of state rules.

Full Breakdown

Pawnbrokers in Arizona must register loans and items with the local police agency daily under ARS 44-1626, including borrower ID, photo, thumbprint when required, and serial numbers. Items must be held 90 days before forfeiture-resale under ARS 44-1625. Interest is capped at 10 percent per month plus permitted storage fees per ARS 44-1623. Maricopa County Sheriff handles unincorporated pawn shops and uses LeadsOnline. Phoenix, Mesa, Glendale, and other cities issue separate pawnbroker licenses with fingerprint background checks and bonding requirements. Operators must post pawn-ticket disclosures and follow federal Truth-in-Lending Act terms.

Violations & Fines

Operating without required reporting is a Class 6 felony under ARS 44-1631. Excessive interest or missing disclosures trigger civil penalties and license revocation. Trafficking stolen property elevates to Class 2 felony under ARS 13-2307.

Frequently Asked Questions

What interest can a pawnbroker charge in Maricopa County?

Maximum 10 percent per month under ARS 44-1623, plus reasonable storage and handling fees. Renewal pawn tickets must clearly disclose all charges and the redemption deadline.

How long does the pawnshop hold my item?

Minimum 90 days under ARS 44-1625 before the broker may sell forfeited items. You can renew by paying interest before the redemption period ends.

How does Maricopa County compare?

See how Maricopa County's pawnbrokers rules stack up against other locations.

Compare to Another Location View Arizona Overview

See something wrong?

Help us keep this page accurate. If you notice an error or outdated information, let us know.

Maricopa County, AZ Business Licensing & Operations: Pawnbrokers (2026)

Key Facts

Summary

Full Breakdown

Violations & Fines

Frequently Asked Questions

Sources & Official References

Related Maricopa County Ordinances

Parking Rules: Loading Zones

Parking Rules: Curb Color Rules

Fire Regulations: Smoke Detectors

Home Business: Home Occupation Permits

Short-Term Rentals: Night Caps

Rental Inspections: Lead-Hazard Inspections

More Business Licensing & Operations in Maricopa County

Pawnbrokers in Other Cities

How does Maricopa County compare?

See something wrong?