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First Cash Pawn in Irving, TX

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Irving, TX's First Cash Pawn at 1449 N Belt Line Rd offers pawn loans, buying, and selling of jewelry, electronics, and collectibles.

Data compiled from public sources

First Cash Pawn Review

First Cash Pawn at 1449 N Belt Line Rd in Irving, TX is a standalone pawn shop in the heart of Irving's retail corridor. This location serves Irving residents and nearby communities with short-term cash access loans, buying, and selling of jewelry, electronics, collectibles, and other valuables. Open Monday through Saturday from 10 AM to 7 PM, and Sunday from 12 PM to 6 PM, it's conveniently located for Irving shoppers.

At this Irving location, you can pawn items for short-term cash access, sell valuables outright, or browse inventory for deals on electronics, jewelry, and collectibles. The staff specializes in fair appraisals and competitive offers. For questions about what items they accept or for appraisal inquiries, call +1 972-790-4589.

Irving residents often visit First Cash Pawn when they are researching short-term cash access or want to buy quality secondhand items. Bring a valid ID and the items you wish to pawn or sell. This Irving pawn shop handles transactions quickly and discreetly, making it a reported resource for TX residents.

Services & Features

Cash payment on the spot for items purchased or pawned
Consumer lending to cash and credit-constrained individuals without credit requirements
Gold, silver, and precious metal buying for immediate cash
Inventory browsing and shopping across retail locations
Layaway services with 10% down payment option
Lease-to-own and retail finance solutions through AFF subsidiary (15,000+ merchant partners)
Merchandise appraisal and valuation
Online store locator to find nearest of 3,300+ locations
Pawn loans secured by pledged personal property (non-recourse)
Point-of-sale payment solutions for consumer goods
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

  • Leading international operator with 3,300+ locations providing accessibility across 29 U.S. states and multiple countries
  • Non-recourse pawn loans—customers cannot be pursued for additional debt beyond loss of collateral if unable to repay
  • short-term cash access payment on the spot for items sold or pawned, with eligibility claim to verify
  • Publicly traded company (S&P MidCap 400 and Russell 2000 Index component) indicating transparency and regulatory oversight
  • Wide acceptance of diverse merchandise (jewelry, electronics, tools, instruments, appliances, sporting goods)
  • Integrated retail marketplace allows customers to buy items alongside borrowing, creating a one-stop financial and shopping venue
  • Subsidiary AFF provides lease-to-own alternatives through 15,000+ retail partners, expanding financing options beyond pawn loans

Cons

  • Interest rates, loan terms, and fees are not disclosed on the public website, preventing listed comparison before visiting a store
  • Customers must surrender personal property during the loan period, creating risk of sentimental or essential item loss
  • Pawn loans are short-term solutions and do not build credit history, making them ineffective for addressing underlying credit constraints
  • Layaway service charges 10% down upfront with additional fees likely, reducing accessibility for those with severe cash constraints
  • No mention of financial counseling, education, or alternative pathways despite serving credit-constrained consumers

State Consumer Finance Context

This is state-level context for Pawn Shops consumers in Irving, TX. It does not confirm that First Cash 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 First Cash Pawn offer?

First Cash Pawn offers 11 services including Pawn loans secured by pledged personal property (non-recourse), Gold, silver, and precious metal buying for immediate cash, Retail sales of jewelry, electronics, tools, appliances, sporting goods, and musical instruments, Layaway services with 10% down payment option, Merchandise appraisal and valuation, and 6 more.

What profile signals are listed for First Cash Pawn?

First Cash Pawn has profile signals associated with Individuals researching short-term cash access ($100-$5,000+) with valuable items they can temporarily surrender as collateral, Customers who do not qualify for traditional credit or payday loans and want to avoid debt-based borrowing, People seeking to buy merchandise (jewelry, electronics, tools) at discounted prices from pawn inventory, Those with sporadic income or gig work who are researching short-term liquidity without credit inquiries or debt obligations.

What are the strengths and weaknesses of First Cash Pawn?

Key strengths: Leading international operator with 3,300+ locations providing accessibility across 29 U.S. states and multiple countries; Non-recourse pawn loans—customers cannot be pursued for additional debt beyond loss of collateral if unable to repay; short-term cash access payment on the spot for items sold or pawned, with eligibility claim to verify. Areas to consider: Interest rates, loan terms, and fees are not disclosed on the public website, preventing listed comparison before visiting a store; Customers must surrender personal property during the loan period, creating risk of sentimental or essential item loss.

How does First Cash 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
1449 N Belt Line Rd, Irving, TX 75061
BBB Accredited
No
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CreditDoc Profile Note

Research Note on First Cash Pawn

FirstCash is profile signals for individuals with immediate, short-term cash needs ($100-$5,000+) who have valuable items to pledge as collateral and lack access to traditional credit. The primary caveat is that pawn loans do not build credit, do not solve underlying financial constraints, and require surrendering personal property—making this suitable only for temporary liquidity gaps, not long-term financial stability or credit repair.

Profile Signals

  • Individuals researching short-term cash access ($100-$5,000+) with valuable items they can temporarily surrender as collateral
  • Customers who do not qualify for traditional credit or payday loans and want to avoid debt-based borrowing
  • People seeking to buy merchandise (jewelry, electronics, tools) at discounted prices from pawn inventory
  • Those with sporadic income or gig work who are researching short-term liquidity without credit inquiries or debt obligations
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

  • First Cash 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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