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First Cash Pawn in Round Rock, TX

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Round Rock's First Cash Pawn at 1051 I-35 offers quick pawn loans and collateral-based cash advances for local customers.

Data compiled from public sources

First Cash Pawn Review

First Cash Pawn in Round Rock, TX is located at 1051 I-35, a convenient spot for residents across the I-35 corridor. The standalone shop is open Monday through Saturday from 9 AM to 7 PM, and Sundays from 12 PM to 5 PM, making it accessible during most of the week.

At this Round Rock location, customers can obtain quick pawn loans on jewelry, electronics, tools, and other valuables, or sell items outright for short-term cash access. The shop also buys used merchandise across multiple categories. You can reach the store at 512-218-3982 to inquire about current loans, interest rates, or selling items before you visit.

If you are researching short-term cash access in Round Rock, TX, bring a valid photo ID and the item you wish to pawn or sell. First Cash Pawn evaluates items quickly and often completes transactions the same day. Walk-ins are welcome during posted hours.

Services & Features

Gold, silver, and platinum buying services with on-the-spot cash payment
Layaway service with 10% down payment option
Lease-to-own and retail finance payment solutions through AFF subsidiary (15,000+ merchant partners)
Merchandise buying service ('we buy almost anything of value')
Multi-country operations across North America and Latin America
Pawn FAQs and educational resources
Pawn loans secured by personal property (non-recourse)
Point-of-sale payment technology solutions
Retail sales of jewelry, electronics, tools, appliances, sporting goods, and musical instruments
Store locator tool with inventory search functionality

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 widespread accessibility
  • Non-recourse pawn loans mean no personal liability to repay and no credit report impact if item is not redeemed
  • Instant cash on-the-spot for items of value with eligibility and income-verification claims to verify
  • Accepts almost any item of value including jewelry, electronics, tools, appliances, sporting goods, and musical instruments
  • Layaway service available with affordable 10% down payment for purchasing merchandise
  • Dedicated gold and precious metal buying service for immediate conversion to cash
  • Publicly traded company (S&P MidCap 400 and Russell 2000 Index) with 22,000+ employees indicating operational stability

Cons

  • Pawn loans result in loss of possession of personal items during the loan term, limiting access to pledged property
  • Implicit interest costs through shortened loan terms make pawn loans higher in listed-cost context than traditional personal loans for those with credit access
  • Retail merchandise sold back to consumers may carry markups higher than market alternatives or online retailers
  • Gold and precious metal buying rates may not be competitive compared to listed bullion dealers or certified precious metals appraisers
  • Limited loan amounts based on item values mean pawn loans cannot serve larger borrowing needs (typically $100-$1,000 range per item)

State Consumer Finance Context

This is state-level context for Pawn Shops consumers in Round Rock, 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 personal property (non-recourse), Retail sales of jewelry, electronics, tools, appliances, sporting goods, and musical instruments, Gold, silver, and platinum buying services with on-the-spot cash payment, Layaway service with 10% down payment option, Lease-to-own and retail finance payment solutions through AFF subsidiary (15,000+ merchant partners), 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 against personal property they own, Individuals seeking short-term liquidity with eligibility claims to verify, income verification, or credit report impact, People with valuable items (jewelry, electronics, instruments, tools) willing to temporarily forfeit them for cash access, Consumers shopping for used merchandise, sporting goods, or musical instruments at discount prices.

What are the strengths and weaknesses of First Cash Pawn?

Key strengths: 3,300+ locations across 29 U.S. states, D.C., UK, Mexico, Guatemala, Colombia, and El Salvador for widespread accessibility; Non-recourse pawn loans mean no personal liability to repay and no credit report impact if item is not redeemed; Instant cash on-the-spot for items of value with eligibility and income-verification claims to verify. Areas to consider: Pawn loans result in loss of possession of personal items during the loan term, limiting access to pledged property; Implicit interest costs through shortened loan terms make pawn loans higher in listed-cost context than traditional personal loans for those with credit access.

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
1051 I-35, Round Rock, TX 78664
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 holding items of value who are researching short-term cash access without credit verification or credit report consequences. The main caveat is that pawn loans result in loss of personal property access during the loan term and carry implicit interest costs significantly higher than traditional lending, making them suitable only when alternatives are genuinely unavailable.

Profile Signals

  • Unbanked or credit-constrained consumers researching short-term cash access against personal property they own
  • Individuals seeking short-term liquidity with eligibility claims to verify, income verification, or credit report impact
  • People with valuable items (jewelry, electronics, instruments, tools) willing to temporarily forfeit them for cash access
  • Consumers shopping for used merchandise, sporting goods, or musical instruments at discount prices
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 Round Rock, 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.
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