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FirstCash is the leading international operator of pawn stores with 3,300+ locations across 29 U.S. states, the UK, and Latin America, offering pawn loans secured by personal property and retail merchandise sales.
Data compiled from public sources
FirstCash, Inc., headquartered in Fort Worth, Texas, is the largest pawn shop operator globally with over 3,300 retail locations spanning 29 U.S. states, the District of Columbia, the United Kingdom, Mexico, Guatemala, Colombia, and El Salvador. The company employs approximately 22,000 people and is listed on both the S&P MidCap 400 Index and Russell 2000 Index, indicating substantial scale and financial stability in the consumer finance sector.
FirstCash's core business model focuses on serving cash and credit-constrained consumers through two primary services: pawn loans and retail merchandise sales. The company makes small non-recourse pawn loans secured by pledged personal property (eligibility claim to verify) and buys/sells a wide variety of items including jewelry, electronics, tools, appliances, sporting goods, and musical instruments. Additionally, through its wholly-owned subsidiary AFF, FirstCash provides lease-to-own and retail finance payment solutions across a network of 15,000+ retail merchant partners.
What distinguishes FirstCash is its massive geographic footprint and operational scale—significantly larger than independent pawn shops. The company offers additional services like gold/precious metal buying, layaway plans with 10% down, and a robust store locator network. Their pawn loans are non-recourse, meaning customers only lose the pledged item if they default, not personal assets. The subsidiary AFF adds a technology-driven payment solutions component targeting the same consumer demographic.
The honest assessment: FirstCash serves a genuine market need for fast, no-credit-check cash access, but pawn loans inherently come with the risk of losing collateral. Customers must be comfortable with this trade-off. The company's scale provides convenience and consistency, but pawn rates and terms vary by location. This is best suited for consumers who have valuable items they're willing to pledge and are researching short-term cash access with eligibility claims to verify.
This is state-level context for Pawn Shops consumers in Houston, TX. It does not confirm that Fiesta Pawn Inc 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.
Fiesta Pawn Inc offers 11 services including Pawn loans secured by personal property (jewelry, electronics, tools, instruments, appliances, sporting goods), Gold, silver, and platinum buying at cash-on-the-spot rates, Retail sales of second-hand merchandise across multiple categories, Layaway service with 10% down payment option, Lease-to-own financing through AFF subsidiary (15,000+ merchant partners), and 6 more.
Fiesta Pawn Inc has profile signals associated with Consumers with valuable collateral (jewelry, electronics, instruments) who are researching emergency-cash timing, Individuals with poor or no credit who may not meet traditional personal-loan criteria or credit-based financing, People seeking short-term cash access for short-term needs who can repay within weeks without facing excessive interest accumulation, Shoppers looking to purchase second-hand merchandise or lay away items with minimal upfront payment.
Key strengths: 3,300+ locations across 29 U.S. states plus international presence ensures widespread accessibility and convenience; Non-recourse pawn loans—customers only lose pledged items, not personal assets, if they default; eligibility claim to verify; instant cash funding available with limited-documentation claims to verify. Areas to consider: Risk of losing collateral if pawn loan is not repaid by the deadline, creating financial loss beyond just interest; Pawn loan terms and interest rates vary by location; no standardized nationwide rates disclosed on website.
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 cash-constrained consumers with valuable collateral who need immediate funding with eligibility claims to verify and can repay within the specified loan term. The primary caveat is that defaulting results in loss of the pledged item—customers must be comfortable with this collateral risk and should carefully evaluate whether they can meet repayment deadlines before pawning valuable possessions.
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
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