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Cash America Pawn in Universal City, TX

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Universal City, TX location of Cash America Pawn at 1905 Pat Booker Rd provides pawn services with convenient weekday and weekend hours.

Data compiled from public sources

Cash America Pawn Review

Cash America Pawn is located at 1905 Pat Booker Rd in Universal City, TX, providing accessible pawn services to residents and visitors in this San Antonio-area community. The Universal City branch operates Monday through Saturday from 9 AM to 7 PM, with Sunday hours from 11 AM to 5 PM, making it convenient for weekday errands or weekend transactions.

This Universal City, TX location offers in-person pawn transactions, cash advances on personal valuables, and financial flexibility for customers seeking quick access to funds. Contact the Universal City branch directly at +1 210-658-0859 for specific services, current rates, or to discuss what items you can pawn.

If you're a Universal City resident looking for a pawn shop, bring a valid government-issued ID and your items for evaluation. Cash America Pawn has been serving communities across the region with straightforward pawn services and fair evaluations.

Services & Features

Gold and precious metal buying with immediate cash payment
Layaway services with 10% down payment requirement
Lease-to-own and retail finance solutions through AFF subsidiary
Merchandise buying for items of value
Pawn loan FAQs and educational resources
Pawn loans secured by pledged personal property
Payment solutions through 15,000+ retail merchant partners
Retail sales of jewelry, electronics, tools, appliances, and sporting goods
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+ locations across 29 U.S. states, D.C., UK, Mexico, Guatemala, Colombia, and El Salvador for high availability
  • Non-recourse pawn loans—borrower cannot be pursued for deficiency if item sells for less than loan amount
  • eligibility claim to verify for pawn loans; based solely on collateral value
  • short-term cash access payment for gold, jewelry, and other merchandise without waiting periods
  • Integrated layaway service with affordable 10% down payment option for retail purchases
  • Publicly traded company (Russell 2000, S&P MidCap 400) indicating financial stability and regulatory oversight
  • 15,000+ retail merchant partner network through AFF subsidiary for lease-to-own payment solutions

Cons

  • Pawn loans carry interest costs that make them expensive compared to traditional credit or personal loans
  • Risk of losing pledged personal property if loan is not repaid by maturity date
  • Retail merchandise is used goods sold at market prices, not wholesale or discounted rates
  • Pawn loans are small, short-term products not suitable for large or long-term borrowing needs
  • Gold and merchandise buying prices are subject to company valuation, which may be below market rates

State Consumer Finance Context

This is state-level context for Pawn Shops consumers in Universal City, 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 pledged personal property, Gold and precious metal buying with immediate cash payment, Retail sales of jewelry, electronics, tools, appliances, and sporting goods, Layaway services with 10% down payment requirement, Merchandise buying for items of value, 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 who lack access to traditional credit or banking services, Individuals with items of value (jewelry, electronics, instruments) they're willing to pledge as collateral, People seeking short-term cash access with eligibility claims to verify or lengthy application processes, Bargain shoppers looking for discounted used merchandise like electronics, tools, and sporting goods.

What are the strengths and weaknesses of Cash America Pawn?

Key strengths: 3,300+ locations across 29 U.S. states, D.C., UK, Mexico, Guatemala, Colombia, and El Salvador for high availability; Non-recourse pawn loans—borrower cannot be pursued for deficiency if item sells for less than loan amount; eligibility claim to verify for pawn loans; based solely on collateral value. Areas to consider: Pawn loans carry interest costs that make them expensive compared to traditional credit or personal loans; Risk of losing pledged personal property if loan is not repaid by maturity date.

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
1905 Pat Booker Rd, Universal City, TX 78148
BBB Accredited
No
Visit Cash America Pawn

CreditDoc Profile Note

Research Note on Cash America Pawn

FirstCash is profile signals for unbanked or underbanked consumers researching short-term cash access who have items of value to pledge as collateral, or for budget-conscious shoppers seeking used merchandise. The main caveat is that pawn loans are expensive short-term borrowing products with forfeiture risk—they should only be used when no other credit options exist and borrowers can confidently repay within the loan term.

Profile Signals

  • Consumers with short-term cash needs who lack access to traditional credit or banking services
  • Individuals with items of value (jewelry, electronics, instruments) they're willing to pledge as collateral
  • People seeking short-term cash access with eligibility claims to verify or lengthy application processes
  • Bargain shoppers looking for discounted used merchandise like electronics, tools, and sporting goods
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 Universal City, 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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