EZCORP, Inc. operates pawnshops and signature loan stores that function as sources of short-term cash. The signature loan stores offer payday loans or credit services. EZCORP lends or provides credit services to individuals who do not have cash resources or access to credit to meet short-term cash needs. The company, through its subsidiaries, offers nonrecourse loans collateralized by tangible personal property, generally jewelry, consumer electronics, tools, sporting goods, and musical instruments, as well as sells merchandise from its pawn lending operations to consumers. It also offers short-term noncollateralized loans, such as payday loans, and fee based credit services to customers seeking loans. As of September 30, 2005, the company offered signature loans in 234 EZMONEY loan stores, 98 of its pawnshops, and in an Austin, Texas-based payday loan call center. The company serves specialty consumer finance industry. EZCORP was founded in 1989 and is headquartered in Austin, Texas.
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