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Cash America Pawn in Irving, TX

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Irving, TX's Cash America Pawn location at 3601 N Belt Line Rd provides fast pawn loans and merchandise sales.

Data compiled from public sources

Cash America Pawn Review

Cash America Pawn at 3601 N Belt Line Rd in Irving, TX is a standalone pawn shop serving the north Irving area. Located on Belt Line Road near shopping centers, this Irving location is open Monday through Friday 9:30 AM–6:30 PM, Saturday 9:30 AM–6:00 PM, and Sunday 11:00 AM–4:00 PM. It's a convenient stop for Irving residents needing quick transactions.

This Irving Cash America Pawn location offers pawn loans on jewelry, electronics, musical instruments, and collectibles. You can also buy used merchandise or sell items you own at competitive prices. Call (972) 256-3888 to ask about current rates, check available inventory, or discuss your items before visiting—the team can provide quick appraisals over the phone.

When visiting, bring a valid government-issued ID and the items you'd like to pawn or sell. Most customers come in for short-term cash access offers or to find quality used merchandise. Whether you're looking for short-term cash access or a good deal on secondhand goods, this location serves as a practical resource for Irving residents.

Services & Features

Cash buying for items of value
Gold, silver, and platinum buying services
Layaway services with 10% down payment option
Lease-to-own and retail finance solutions through subsidiary AFF
Non-recourse loan products
Online inventory browsing
Pawn loans secured by pledged personal property
Retail merchant payment solutions through 15,000+ partner locations
Retail sales of jewelry, electronics, tools, appliances, sporting goods, and musical instruments
Store locator to find nearest pawn shop location

Feature Checklist

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

Pros & Cons

Pros

  • Non-recourse loans—borrowers are not personally liable beyond losing the pledged collateral
  • eligibility claim to verify to obtain a pawn loan
  • short-term cash access funding with no lengthy application process
  • Over 3,300 locations across 29 U.S. states plus international presence for convenient access
  • Wide range of accepted merchandise including jewelry, electronics, tools, appliances, and instruments
  • Gold and precious metal buying services offering spot cash for items most people already own
  • Layaway service available with only 10% down payment for budget-conscious shoppers
  • Institutional credibility as S&P MidCap 400 and Russell 2000 component company

Cons

  • Pawn loans charge interest and fees that can accumulate quickly if loan is not repaid promptly
  • Failure to repay results in permanent loss of pledged item with no recourse for retrieval
  • Limited to borrowers who own valuable physical collateral suitable for pawn
  • Interest rates and terms not disclosed on website, requiring store visit for specific pricing
  • Pawn loans are not suitable for building credit history since they do not report to credit bureaus

State Consumer Finance Context

This is state-level context for Pawn Shops consumers in Irving, 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 10 services including Pawn loans secured by pledged personal property, Retail sales of jewelry, electronics, tools, appliances, sporting goods, and musical instruments, Gold, silver, and platinum buying services, Layaway services with 10% down payment option, Lease-to-own and retail finance solutions through subsidiary AFF, and 5 more.

What profile signals are listed for Cash America Pawn?

Cash America Pawn has profile signals associated with Consumers with short-term cash needs who own valuable collateral and want to avoid credit checks, Individuals seeking short-term loans without undergoing traditional lending approval processes, People looking to buy discounted merchandise from pawn inventory, Consumers in areas with limited access to traditional banking or credit options.

What are the strengths and weaknesses of Cash America Pawn?

Key strengths: Non-recourse loans—borrowers are not personally liable beyond losing the pledged collateral; eligibility claim to verify to obtain a pawn loan; short-term cash access funding with no lengthy application process. Areas to consider: Pawn loans charge interest and fees that can accumulate quickly if loan is not repaid promptly; Failure to repay results in permanent loss of pledged item with no recourse for retrieval.

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
3601 N Belt Line Rd, Irving, TX 75062
BBB Accredited
No
Visit Cash America Pawn

CreditDoc Profile Note

Research Note on Cash America Pawn

FirstCash is profile signals for cash-constrained consumers who own valuable collateral and need immediate funding with eligibility claims to verify or lengthy approval processes. The main caveat is that pawn loans charge interest and fees, and failure to repay results in permanent loss of the pledged item—this model works only for those who can afford to risk losing their collateral or who can reliably repay within the loan term.

Profile Signals

  • Consumers with short-term cash needs who own valuable collateral and want to avoid credit checks
  • Individuals seeking short-term loans without undergoing traditional lending approval processes
  • People looking to buy discounted merchandise from pawn inventory
  • Consumers in areas with limited access to traditional banking or credit options
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 Irving, 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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