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Cash America Pawn in Joshua, TX

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Joshua, TX's Cash America Pawn at 444 N Broadway St offers quick cash loans and sales for jewelry, electronics, and valuables with no credit check required.

Data compiled from public sources

Cash America Pawn Review

Cash America Pawn in Joshua, TX is located at 444 N Broadway St, a convenient standalone shop in the heart of Joshua's commercial district. Open Monday through Friday from 10AM to 6PM and Saturday from 10AM to 5PM, this location serves North Texas residents and Joshua visitors with reliable in-person service. The shop's accessible Broadway location makes it easy for Joshua shoppers to stop in during business hours.

This Joshua location specializes in fast evaluations and fair pricing for gold, silver, jewelry, electronics, tools, collectibles, and other valuable items. You can pawn items for short-term cash needs or sell outright for immediate payment. Call +1 817-426-5026 to discuss your items before visiting, or bring them in during hours for a quick on-site appraisal and same-day transaction.

If you're a Joshua, TX resident facing unexpected expenses, bring a valid photo ID and your item to complete a transaction the same day. Cash America Pawn handles straightforward pawn and sale transactions without credit requirements, making it a practical option when you are researching short-term cash access. The Broadway St location is staffed to process transactions quickly and professionally.

Services & Features

Gold, silver, and precious metal buying with immediate cash payment
In-store merchandise browsing across multiple categories
Item purchase directly (selling unwanted items to the store)
Layaway service with 10% down payment option
Lease-to-own and retail finance solutions through subsidiary AFF (15,000+ merchant partners)
Online inventory browsing and item search
Online store locator to find nearest location
Pawn FAQs and educational content
Pawn loans secured by personal property pledges
Retail sales of jewelry, electronics, tools, appliances, sporting goods, and musical instruments

Feature Checklist

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

Pros & Cons

Pros

  • Massive network of 3,300+ locations across 29 states plus international presence ensures accessibility in most areas
  • short-term cash access payouts on the spot with eligibility claim to verify or approval delays required
  • Non-recourse loans mean you're not liable for repayment beyond losing your pledged item
  • Accepts almost any item of value (jewelry, electronics, tools, instruments, gold, etc.) for loans or direct purchase
  • Layaway service with just 10% down makes merchandise more affordable without requiring credit
  • Gold and precious metal buying provides short-term cash access conversion for items most households have
  • Publicly traded company (S&P 400 component) provides corporate accountability and financial transparency

Cons

  • Pawn loans effectively charge high implicit interest through forfeiture of collateral value, making them very expensive compared to traditional loans
  • Limited to small loan amounts secured by physical property, restricting access for those needing larger sums
  • Losing pledged items creates financial burden and emotional loss beyond typical loan interest, particularly for sentimental possessions
  • No reporting to credit bureaus means loans don't help build or improve credit history
  • Default consequences are automatic item loss rather than payment plans or debt management options

State Consumer Finance Context

This is state-level context for Pawn Shops consumers in Joshua, 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 personal property pledges, Retail sales of jewelry, electronics, tools, appliances, sporting goods, and musical instruments, Gold, silver, and precious metal buying with immediate cash payment, Layaway service with 10% down payment option, Item purchase directly (selling unwanted items to the store), and 5 more.

What profile signals are listed for Cash America Pawn?

Cash America Pawn has profile signals associated with Individuals in urgent expense situations needing same-day cash without credit approval, People with valuable items (gold, jewelry, electronics) they're willing to temporarily forfeit for short-term funds, Consumers excluded from traditional banking who lack credit history or have poor credit scores, Those seeking retail merchandise through affordable layaway with minimal down payment.

What are the strengths and weaknesses of Cash America Pawn?

Key strengths: Massive network of 3,300+ locations across 29 states plus international presence ensures accessibility in most areas; short-term cash access payouts on the spot with eligibility claim to verify or approval delays required; Non-recourse loans mean you're not liable for repayment beyond losing your pledged item. Areas to consider: Pawn loans effectively charge high implicit interest through forfeiture of collateral value, making them very expensive compared to traditional loans; Limited to small loan amounts secured by physical property, restricting access for those needing larger sums.

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
444 N Broadway St, Joshua, TX 76058
BBB Accredited
No
Visit Cash America Pawn

CreditDoc Profile Note

Research Note on Cash America Pawn

FirstCash is profile signals for consumers facing genuine financial emergencies who have valuable personal property they're willing to temporarily pledge for short-term cash access. However, pawn loans should only be used as a last resort for truly urgent situations, as the implicit costs of losing collateral make them significantly more expensive than traditional loans, payday alternatives, or credit union PALs.

Profile Signals

  • Individuals in urgent expense situations needing same-day cash without credit approval
  • People with valuable items (gold, jewelry, electronics) they're willing to temporarily forfeit for short-term funds
  • Consumers excluded from traditional banking who lack credit history or have poor credit scores
  • Those seeking retail merchandise through affordable layaway with minimal down payment
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 Joshua, 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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