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First Cash Pawn in Irving, TX

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Irving, TX's First Cash Pawn at 3730 N Belt Line Rd offers quick cash for jewelry, electronics, and valuables.

Data compiled from public sources

First Cash Pawn Review

First Cash Pawn in Irving, TX is located at 3730 N Belt Line Rd, a convenient spot for residents on the north side of Irving seeking short-term cash-access services. The store operates Monday through Saturday from 9 AM to 7 PM, and opens Sunday from 12 PM to 6 PM, making it accessible for both weekday errands and weekend visits.

At this Irving location, you can pawn or sell jewelry, electronics, collectibles, and other valuables for short-term cash access. The team evaluates your items fairly and can process transactions quickly. For questions about what your items might fetch or to discuss your specific needs, call 972-252-5781 to speak with the knowledgeable staff at this N Belt Line Rd location.

If you are researching short-term cash access in Irving, TX, bring a valid government-issued ID and your items for evaluation—the process is straightforward and usually takes just minutes. First Cash Pawn specializes in fast, no-credit-needed cash transactions for Irving residents who need funds without the lengthy approval processes of traditional lenders.

Services & Features

Cash payment on spot for gold and valuable merchandise
FAQ and educational content on how pawn loans work
Gold, silver, and precious metals buying and evaluation
Layaway service with 10% down payment structure
Lease-to-own and retail finance solutions through AFF subsidiary (15,000+ merchant partners)
Merchandise inventory browsing and shopping online
Pawn loans secured by pledged personal property (non-recourse)
Point-of-sale payment solutions for cash and credit-constrained consumers
Retail sales of jewelry, electronics, tools, appliances, sporting goods, and musical instruments
Store locator tool for finding 3,300+ locations

Feature Checklist

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

Pros & Cons

Pros

  • 3,300+ retail locations across 29 U.S. states plus UK and Latin America, enabling convenient local access
  • eligibility claim to verify for pawn loans—accessible to consumers with poor or no credit history
  • Fast, same-day cash advances secured by personal property with listed collateral-based valuation
  • Diverse merchandise inventory (jewelry, electronics, tools, appliances, instruments) available for purchase
  • Publicly traded company (S&P MidCap 400 and Russell 2000 component) suggesting regulatory compliance and transparency
  • Layaway service with affordable 10% down payment option for budget-conscious shoppers
  • Gold and precious metals buying service providing short-term cash access for valuable items
  • Non-recourse loans mean borrowers only lose pledged collateral, not additional personal assets or wage garnishment

Cons

  • Pawn loans carry implicit high interest rates through collateral-based valuations that heavily favor the lender
  • Loss of pledged property upon default is permanent with no redemption grace period or negotiation flexibility
  • Effective APR on pawn loans typically exceeds 100% when calculated on annualized basis, making them expensive relative to alternatives
  • Company's market dominance and scale may reduce competitive pricing pressure at individual store locations
  • Retail merchandise quality and selection varies by location; no quality stated terms on used goods

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 10 services including Pawn loans secured by pledged personal property (non-recourse), Retail sales of jewelry, electronics, tools, appliances, sporting goods, and musical instruments, Gold, silver, and precious metals buying and evaluation, Layaway service with 10% down payment structure, Store locator tool for finding 3,300+ locations, and 5 more.

What profile signals are listed for First Cash Pawn?

First Cash Pawn has profile signals associated with Unbanked or credit-constrained consumers researching short-term cash access with eligibility and income-verification claims to verify, Individuals with valuable personal property (jewelry, electronics, instruments) willing to pledge collateral for short-term liquidity, Budget shoppers seeking discounted used merchandise (electronics, tools, appliances, sporting goods) from liquidated or pawned items, Consumers preferring layaway purchases over credit cards, with ability to pay 10% down and installments without debt.

What are the strengths and weaknesses of First Cash Pawn?

Key strengths: 3,300+ retail locations across 29 U.S. states plus UK and Latin America, enabling convenient local access; eligibility claim to verify for pawn loans—accessible to consumers with poor or no credit history; Fast, same-day cash advances secured by personal property with listed collateral-based valuation. Areas to consider: Pawn loans carry implicit high interest rates through collateral-based valuations that heavily favor the lender; Loss of pledged property upon default is permanent with no redemption grace period or negotiation flexibility.

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
3730 N Belt Line Rd, Irving, TX 75038
BBB Accredited
No
Visit First Cash Pawn

CreditDoc Profile Note

Research Note on First Cash Pawn

FirstCash is profile signals for unbanked or credit-constrained consumers researching short-term cash access with eligibility claims to verify, or budget shoppers seeking discounted used merchandise. The primary caveat is that pawn loans, while accessible, carry very high implicit interest rates (often exceeding 100% APR) and result in permanent property loss upon default—making them a true last-resort option suitable only for short-term emergencies where the borrower can realistically redeem the pledged item within 30-90 days.

Profile Signals

  • Unbanked or credit-constrained consumers researching short-term cash access with eligibility and income-verification claims to verify
  • Individuals with valuable personal property (jewelry, electronics, instruments) willing to pledge collateral for short-term liquidity
  • Budget shoppers seeking discounted used merchandise (electronics, tools, appliances, sporting goods) from liquidated or pawned items
  • Consumers preferring layaway purchases over credit cards, with ability to pay 10% down and installments without debt
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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