No stored Google rating available.
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 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.
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
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.
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.
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.
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.
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 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.
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
Answer 3 quick questions to review category, service, and profile context.
1. What's your primary financial goal?
Learn exactly how credit score tiers work, what range you fall into, and the specific steps to move up to the next tier where better rates and approvals wait.
Read guide →Learn exactly how to check your credit score for free using legitimate sources, understand the difference between soft and hard inquiries, and know your rights under federal law.
Read guide →A plain-language breakdown of every factor that goes into your credit score, with specific steps to improve each one even if you're starting from a tough spot.
Read guide →Affiliate Disclosure: CreditDoc may earn a commission when you click links to Cash America Pawn and other services. These commissions help us maintain our free research. Compensation does not determine whether a provider can be covered; visible star ratings use stored Google review ratings when available. Learn more.