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FirstCash is the leading international operator of pawn stores with 3,300+ locations across 29 U.S. states, the UK, and Latin America, offering pawn loans secured by personal property.
Data compiled from public sources
FirstCash, Inc. is headquartered in Fort Worth, Texas and operates as the leading international pawn store chain with over 3,300 retail locations across 29 U.S. states, Washington D.C., the United Kingdom, and Latin America (Mexico, Guatemala, Colombia, and El Salvador). The company employs approximately 22,000 people and is indexed in both the S&P MidCap 400 and Russell 2000, indicating its scale as a publicly-traded enterprise in the alternative lending space.
FirstCash's core business model focuses on serving cash and credit-constrained consumers through non-recourse pawn loans secured by pledged personal property. Customers can pawn items including jewelry, electronics, tools, appliances, sporting goods, and musical instruments to obtain short-term cash access. Beyond pawn loans, FirstCash operates retail sales of merchandise inventory, gold/silver/platinum buying services, and a layaway program requiring 10% down payment. The company also owns AFF, a subsidiary providing lease-to-own and retail finance solutions through 15,000+ merchant partner locations nationwide.
FirstCash distinguishes itself through its massive geographic footprint and operational scale—operating over 2,500 stores across North and Latin America with a comprehensive store locator and online inventory system. The company's dual-revenue model (pawn loans plus retail merchandise sales and gold buying) provides diversification beyond lending. Their integration of technology-driven point-of-sale solutions and expansion into lease-to-own financing through AFF sets them apart from smaller regional pawn operators.
As a pawn lender, FirstCash serves consumers without access to traditional credit but requires collateral of sufficient value. Interest rates on pawn loans are not disclosed on their website. The pawn model provides faster funding than personal loans but limits loan amounts to item value and requires surrendering physical possessions. Borrowers should understand that pawn loans are non-recourse, meaning failure to repay results in loss of the pledged item rather than debt collection.
This is state-level context for Pawn Shops consumers in Austin, TX. It does not confirm that Action Pawn or this specific location is licensed.
State regulator
Texas Office of Consumer Credit Commissioner
Consumer protection
Short-term lending status: Legal
General rate context: 10% for written contracts (18% default); payday/auto title loans regulated as credit access businesses
Texas allows payday and auto title lending through the Credit Access Business model, which lacks state-level fee caps. Several cities have enacted local ordinances to limit loan amounts and rollovers. Consumers can file complaints with the Office of Consumer Credit Commissioner or the Attorney General.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Action Pawn offers 9 services including Pawn loans—non-recourse loans secured by pledged personal property with on-the-spot cash disbursement, Retail merchandise sales—jewelry, electronics, tools, appliances, sporting goods, musical instruments, Gold, silver, and platinum buying—immediate cash payment for precious metals and jewelry, Layaway service—10% down payment option to purchase items on installment, Store locator—online tool to find nearest location among 2,500+ stores, and 4 more.
Action Pawn has profile signals associated with Consumers with short-term cash needs who lack traditional credit or have poor credit scores, People with valuable items (jewelry, electronics, instruments) they're willing to temporarily pledge as collateral, Individuals who prefer not to incur debt or credit reporting impacts and prefer non-recourse lending, Cash-constrained consumers in areas with FirstCash locations seeking fast funding without approval delays.
Key strengths: listed cash-access timing—pawn loans process on-the-spot with eligibility claims to verify or lengthy approval processes; No credit score impact—pawn loans are secured by collateral, not credit history, accessible to those with poor or no credit; Massive network of 3,300+ locations across 29 states plus international presence enables convenient store access for consumers comparing profile details. Areas to consider: Interest rates and loan terms are not disclosed on website, requiring in-store inquiry and preventing rate comparison before visit; Requires physical collateral of sufficient resale value, excluding consumers without items to pledge or those needing larger unsecured loans.
In the Pawn Shops category, comparable providers include Gold Star Finance, TitleMax Title Loans, TitleMax Title Loans. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
FirstCash is profile signals for cash-constrained consumers without access to traditional credit who have valuable items to pledge and need immediate funding with eligibility claims to verify or debt reporting. The primary caveat is that pawn loans require surrendering collateral, cap loan amounts to item value, and carry undisclosed interest rates—making them suitable only for short-term bridge financing with items customers can afford to lose if unable to repay.
Gold Star Finance offers installment signature loans from $200–$1,700 across 68+ Texas locations. Established 1978, they focus on accessible small loans for consumers with imperfect credit.
Profile signals: Texas residents with poor/fair credit needing $200–$1,700 for immediate expenses, Borrowers seeking installment loans over payday/title loans with longer repayment terms
In Carrollton, TX, TitleMax Title Loans at 2717 E Belt Line Rd provides title-loan profile details with rate claims to verify and flexible repayment terms.
Profile signals: Vehicle owners with poor or no credit who own a paid-off car or motorcycle and are researching short-term cash access, Borrowers who need provider-stated funding timing and may not meet traditional bank-loan criteria or credit cards
Irving, TX's TitleMax Title Loans at 2720 N Belt Line Rd provides quick title-secured loans for customers researching emergency-cash options.
Profile signals: Consumers with poor or no credit history who own a paid-off vehicle outright, People needing same-day cash access who cannot qualify for a bank loan or credit card
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