PawnSmarts arrives pre-configured for Arizona — it auto-calculates the 8%/6% interest, applies the state fee schedule, prints compliant pawn tickets on plain paper, and exports straight to LEADS Online for police reporting.
Arizona pawn shop software is a point-of-sale and recordkeeping system configured for Arizona's pawnbroker rules under Title 44 of the Arizona Revised Statutes — the 8% interest cap for the first two months and 6% per month thereafter, the permitted fee schedule, the 3-month minimum loan term, the A.R.S. § 44-1625 identification requirement, the 2-year record retention, and police reporting. It calculates the interest and fees, prints compliant pawn tickets, and keeps the records Arizona law requires. PawnSmarts ships pre-configured for these rules, so the math, the paperwork and the reporting are handled the moment you write a pawn.
Under Arizona law, a pawn loan must be paid off within 3 months, though a longer term is allowed when both parties agree in writing. PawnSmarts defaults to the 3-month term, calculates the due date automatically, and records a written extension when you and the pledgor agree to one.
Each state sets the maximum interest a pawnbroker may charge. In Arizona the cap is 8% for the first 2 months and 6% for each month thereafter. PawnSmarts stores these rates and applies them automatically and correctly on every loan, renewal and redemption — no manual calculation, no rounding errors.
Arizona also permits these fees in addition to loan interest, and PawnSmarts applies each one to the right transaction type automatically:
| Permitted fee | Amount |
|---|---|
| Each firearm pawned | $5.00 |
| Pawned-vehicle storage (per day) | $5.00 |
| Storage per month, each item pawned | $5.00 |
| Set-up fee | $5.00 |
| Lost pawn ticket | $7.50 |
| Government taxes or fees on the transaction | As assessed |
Arizona requires records of all reportable transactions — receipts, pawn tickets and the required alcohol, tobacco and firearms logs — to be kept at the place of business for at least 2 years after the transaction date. PawnSmarts retains every record digitally and produces them on demand.
PawnSmarts exports your reportable transactions to LeadsOnline for police reporting, and generates the gun and police reports Arizona shops need — no double entry, no separate spreadsheet. For how reporting rules differ by jurisdiction, see our US state licensing guide.
Federal rules apply on top of Arizona's. The Military Lending Act (effective July 21, 2015, expanded October 3, 2016) caps interest and all other charges at 36% for active military, active-duty Guard and Reserve, their spouses and dependents. Pawnbrokers must check the DMDC database — entering the customer's name, date of birth and SSN — to obtain a verified certificate of military status, which must be retained. PawnSmarts also runs OFAC / Specially Designated Nationals checks at intake.
Arizona shops are likewise subject to the IRS Form 8300 requirement, the FTC Consumer Information Disposal Rule, the Equal Credit Opportunity Act, the Servicemembers Civil Relief Act, the FTC Red Flag Rule, the Bank Secrecy Act, the USA PATRIOT Act, the Truth in Lending Act, the Gramm-Leach-Bliley Act, and the FTC Privacy and Safeguards Rules.
Arizona pawn tickets may be printed on plain copy paper using any ink printer — a real saving over costly preprinted forms, which add expense and waste whenever a change is needed. PawnSmarts prints compliant Arizona tickets on standard 8.5 x 11 stock, and can also handle the forms shops dealing in autos, gold, second-hand resale, check cashing and payday loans may require.
The 8%/6% interest, the state fee schedule and the 3-month term are built in. Capture the A.R.S. § 44-1625 ID fields by scanning the pledgor's license.
Professional sends 3 automatic SMS & email reminders before each loan is due, with secure payment links. Pledgors pay from home — fewer forfeitures.
Keep writing tickets when the internet drops; PawnSmarts auto-syncs when you reconnect. Runs on Windows, Mac, iPad, Android or any browser.
We migrate your data for you for a one-time $395 and you're live the next day. No contract, no setup fee, no exit fee.
Identification requirements are set out in A.R.S. § 44-1625; Arizona's pawnbroker rules are found in Title 44 of the Arizona Revised Statutes. For current and complete information, consult an attorney or the Arizona Office of the Attorney General and the State Bar of Arizona. This page is a software guide, not legal advice.
See every region we support on our states we serve page, or review the full US pawn licensing guide.
Arizona caps pawn loan interest at 8% for the first two months and 6% for each month thereafter. On top of interest, pawnbrokers may charge a $5 set-up fee, $5 per month storage per item, $5 per firearm pawned, $5 per day for pawned-vehicle storage, and $7.50 for a lost pawn ticket. PawnSmarts stores these tiers and the fee schedule and applies them automatically to every loan, renewal and redemption.
Arizona pawn loans must run for at least 3 months, though a longer term is allowed when both parties agree in writing. A pawnbroker cannot force a pledgor to repay before the due date. PawnSmarts defaults to the 3-month term and records any written extensions.
In Arizona, a pawn shop may resell or keep a pawned item one day after the loan period ends. Unlike many states, Arizona does not require pawnbrokers to provide notice of delinquency or intent to sell. Records of all reportable transactions must be kept at the place of business for at least 2 years after the transaction date. PawnSmarts tracks each loan's status and flags the moment an item becomes eligible for resale.
Yes. Arizona pawnbrokers keep records of all reportable transactions at the place of business and are subject to inspection by local law enforcement. PawnSmarts exports reportable transactions to LEADS Online for police reporting and generates the gun and police reports Arizona shops need — no double entry required — while also running OFAC checks and applying the Military Lending Act 36% cap for active military personnel and their dependents.
Pawn software for Arizona should come pre-configured for the state's 8%/6% interest tiers, fee schedule, 3-month term and A.R.S. § 44-1625 ID requirements. PawnSmarts does all of this on every plan from $89/month (Essential) or $129/month (Professional), or $2,995 one-time, with no contract and no setup fee. It works offline, syncs automatically, runs in any browser on any device, and exports reports for LEADS Online.
Open the live demo and click around. If it looks right, sign up and we'll move your data for $395.
Questions? [email protected] · 800-710-6184