Pawnbrokers operating in Tucson must hold both a state pawnbroker license under ARS Title 44 and a Tucson Chapter 7 business license, with daily transaction reporting to Tucson Police and strict holding periods.
Pawnshops in Tucson are regulated under Arizona Revised Statutes Title 44 plus Tucson Chapter 7 licensing. Each pledge transaction must be reported electronically to Tucson Police, including pledger photo ID, item description, and serial numbers. Items typically must be held for a minimum number of days before redemption deadlines and sale, allowing investigators to identify stolen property. Maximum interest rates and fees are governed by state law. Background checks apply to owners and managers, and felony convictions can disqualify applicants from licensure.
Failing to report pledges, ignoring holding periods, charging unauthorized fees, or operating without state and city licenses can lead to license revocation, criminal charges, and Arizona Department of Financial Institutions action.
See how Tucson's pawnbrokers rules stack up against other locations.
Help us keep this page accurate. If you notice an error or outdated information, let us know.