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Cash America Pawn in Garland, TX

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Garland's Cash America Pawn at 1318 W Centerville Rd provides pawn loans and used merchandise sales.

Data compiled from public sources

Cash America Pawn Review

Cash America Pawn in Garland, TX is located at 1318 W Centerville Rd, a standalone pawn shop serving the local community. The store is open Monday through Friday from 9:30 AM to 6:30 PM, Saturday 9:00 AM to 6:00 PM, and Sunday 11:00 AM to 4:00 PM, making it convenient for Garland residents who need quick access to pawn services.

This Garland location specializes in pawn loans on a wide variety of items, buying used merchandise, and selling pre-owned goods. You can reach the shop at 972-270-8117 to inquire about current inventory, discuss loan terms, or ask about items you're considering bringing in for evaluation.

If you live in Garland, TX and are researching short-term cash access, bring a valid ID and any items you'd like to pawn or sell. The process is straightforward—staff will evaluate your items and make a fair offer on the spot.

Services & Features

Buying of jewelry, gold, silver, and precious metals for cash
Gold and precious metals evaluation and purchase
Layaway service with 10% down payment option
Lease-to-own payment solutions (through AFF subsidiary)
Non-recourse pawn lending without credit reporting
Pawn loans secured by personal property collateral
Retail finance payment solutions through merchant partners
Retail sales of electronics, tools, appliances, sporting goods, and musical instruments
Store locator and inventory search tools

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • 3,300+ retail locations across 29 U.S. states, D.C., UK, and Latin America provide extensive accessibility
  • short-term cash access on the spot for items sold or pawned—eligibility claims to verify
  • Non-recourse loans mean defaulting doesn't damage credit score or create debt collection liability
  • Buys wide variety of items (jewelry, electronics, tools, instruments, appliances, sporting goods) providing flexible collateral options
  • Layaway service available with only 10% down payment as alternative to borrowing
  • Publicly traded company (S&P MidCap 400 and Russell 2000 component) indicates financial stability and regulatory oversight
  • Retail merchandise inventory allows customers to buy secondhand items at reduced prices

Cons

  • Pawn loans carry high effective interest rates due to short loan terms, despite being secured by collateral
  • Surrender of physical possessions required as collateral creates loss risk if unable to repay
  • Limited to small loan amounts typical of pawn shop industry; not suitable for large financial needs
  • Retail inventory quality and selection varies significantly by individual store location
  • Non-recourse structure means no credit-building benefit even if loans are repaid consistently

State Consumer Finance Context

This is state-level context for Pawn Shops consumers in Garland, TX. It does not confirm that Cash America Pawn or this specific location is licensed.

State regulator

Texas Office of Consumer Credit Commissioner

Money services context in Texas

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.

Key state rules to check

  • Payday and auto title lenders operate as Credit Access Businesses (CABs) arranging loans through third-party lenders.
  • No state cap on CAB fees; effective APRs frequently exceed 500%.
  • Several cities (Austin, Dallas, San Antonio, Houston) have enacted local payday lending ordinances.

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Frequently Asked Questions

What services does Cash America Pawn offer?

Cash America Pawn offers 9 services including Pawn loans secured by personal property collateral, Buying of jewelry, gold, silver, and precious metals for cash, Retail sales of electronics, tools, appliances, sporting goods, and musical instruments, Layaway service with 10% down payment option, Gold and precious metals evaluation and purchase, and 4 more.

What profile signals are listed for Cash America Pawn?

Cash America Pawn has profile signals associated with Consumers with short-term cash needs and valuable collateral items (jewelry, electronics, instruments), Credit-constrained individuals who may not meet traditional bank-loan criteria or credit products, People seeking to avoid credit damage by obtaining non-recourse secured loans, Bargain hunters looking for discounted secondhand merchandise like tools, appliances, and electronics.

What are the strengths and weaknesses of Cash America Pawn?

Key strengths: 3,300+ retail locations across 29 U.S. states, D.C., UK, and Latin America provide extensive accessibility; short-term cash access on the spot for items sold or pawned—eligibility claims to verify; Non-recourse loans mean defaulting doesn't damage credit score or create debt collection liability. Areas to consider: Pawn loans carry high effective interest rates due to short loan terms, despite being secured by collateral; Surrender of physical possessions required as collateral creates loss risk if unable to repay.

How does Cash America Pawn compare to similar companies?

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.

Quick Facts

Headquarters
1318 W Centerville Rd, Garland, TX 75041
BBB Accredited
No
Visit Cash America Pawn

CreditDoc Profile Note

Research Note on Cash America Pawn

FirstCash is profile signals for consumers with short-term cash needs who own valuable collateral items and lack access to traditional credit—particularly those who want to avoid credit damage. The main caveat is that pawn loans carry high effective interest rates despite being secured, and inability to repay results in permanent loss of the pledged item rather than ongoing debt obligation.

Profile Signals

  • Consumers with short-term cash needs and valuable collateral items (jewelry, electronics, instruments)
  • Credit-constrained individuals who may not meet traditional bank-loan criteria or credit products
  • People seeking to avoid credit damage by obtaining non-recourse secured loans
  • Bargain hunters looking for discounted secondhand merchandise like tools, appliances, and electronics
Updated 2026-05-08

Similar Companies

Gold Star Finance logo

Gold Star Finance

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.

BBB: NR

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

TitleMax Title Loans logo

TitleMax Title Loans

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.

BBB: A+

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

TitleMax Title Loans logo

TitleMax Title Loans

Irving, TX's TitleMax Title Loans at 2720 N Belt Line Rd provides quick title-secured loans for customers researching emergency-cash options.

BBB: A+

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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Quick Summary

  • Cash America Pawn is listed as a Pawn Shops provider in Garland, TX on CreditDoc.
  • Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
  • If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
  • For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.

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