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Cash America Pawn in Saginaw, TX

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Saginaw's Cash America Pawn at 140 N Saginaw Blvd provides pawn loans and buys personal items for quick cash.

Data compiled from public sources

Cash America Pawn Review

Cash America Pawn is located at 140 N Saginaw Blvd in Saginaw, TX, operating as a standalone pawn shop serving the local community. The store is open Monday through Friday from 9 AM to 7 PM, Saturday 9 AM to 6 PM, and closed on Sundays, making it accessible for weekday shoppers and weekend visitors throughout Saginaw.

This Saginaw location offers full pawn services including loans on jewelry, electronics, firearms, and personal valuables, as well as direct sales of items. You can call +1 817-306-9684 to inquire about specific items or get an instant valuation before visiting the store.

If you're a Saginaw, TX resident researching short-term cash access, bring a valid ID and the item you wish to pawn or sell—Cash America Pawn evaluates items on-site and provides immediate funding. It's a practical option when you need liquidity without lengthy approval processes.

Services & Features

Cash on-the-spot payments for merchandise and precious metals
Gold, silver, and precious metal buying services
Item evaluation and appraisal for pawn loans
Layaway plans with 10% down payment options
Lease-to-own financing solutions through subsidiary AFF (15,000+ merchant partners)
Merchandise inventory browsing and search functionality
Pawn loans secured by personal property pledges
Retail finance payment solutions through merchant partner network
Retail sales of jewelry, electronics, tools, appliances, sporting goods, and musical instruments
Store locator tool for finding nearby locations

Feature Checklist

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

Pros & Cons

Pros

  • Massive national and international footprint with 3,300+ locations, providing convenient access across 29 U.S. states and multiple countries
  • Fast funding—pawn loans available immediately with eligibility claims to verify, serving credit-constrained consumers
  • Non-recourse loans secured only by pledged property, meaning no personal liability beyond loss of collateral
  • Diverse merchandise acceptance including jewelry, electronics, tools, appliances, sporting goods, and musical instruments
  • Additional services beyond pawn loans including layaway plans (10% down), gold/precious metal buying, and retail sales
  • Publicly traded company (S&P MidCap 400 and Russell 2000 Index) providing transparency and regulatory oversight
  • Straightforward pawn process with no credit score impact or debt obligation if loan isn't repaid

Cons

  • Risk of permanent loss of personal property if pawn loan isn't repaid within the loan term
  • Pawn loans typically carry higher interest rates than traditional personal loans or bank credit products
  • Effective cost of borrowing is high when annualized, making it expensive compared to alternatives for those with credit access
  • Limited loan amounts based on collateral value, restricting access to larger sums needed for major expenses
  • Retail merchandise quality and selection vary by location; buying and selling functionality depends on local inventory

State Consumer Finance Context

This is state-level context for Pawn Shops consumers in Saginaw, 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 services, Layaway plans with 10% down payment options, Lease-to-own financing solutions through subsidiary AFF (15,000+ merchant partners), and 5 more.

What profile signals are listed for Cash America Pawn?

Cash America Pawn has profile signals associated with Unbanked or credit-constrained consumers researching short-term cash access with eligibility and application-process claims to verify, People with valuable personal property (jewelry, electronics, instruments) seeking short-term liquidity, Individuals seeking layaway purchase options with manageable 10% down payment structures, Those needing to convert gold, silver, or platinum into short-term cash access.

What are the strengths and weaknesses of Cash America Pawn?

Key strengths: Massive national and international footprint with 3,300+ locations, providing convenient access across 29 U.S. states and multiple countries; Fast funding—pawn loans available immediately with eligibility claims to verify, serving credit-constrained consumers; Non-recourse loans secured only by pledged property, meaning no personal liability beyond loss of collateral. Areas to consider: Risk of permanent loss of personal property if pawn loan isn't repaid within the loan term; Pawn loans typically carry higher interest rates than traditional personal loans or bank credit products.

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
140 N Saginaw Blvd, Saginaw, TX 76179
BBB Accredited
No
Visit Cash America Pawn

CreditDoc Profile Note

Research Note on Cash America Pawn

FirstCash is profile signals for unbanked or credit-constrained consumers researching short-term cash access without credit approval, particularly those with valuable collateral to pledge. The key caveat is that pawn loans involve collateral loss risk and carry significantly higher effective costs than traditional credit products; this service should be a last resort for emergency cash needs, not a primary borrowing strategy.

Profile Signals

  • Unbanked or credit-constrained consumers researching short-term cash access with eligibility and application-process claims to verify
  • People with valuable personal property (jewelry, electronics, instruments) seeking short-term liquidity
  • Individuals seeking layaway purchase options with manageable 10% down payment structures
  • Those needing to convert gold, silver, or platinum into short-term cash access
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 Saginaw, 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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