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, retail sales, and gold buying services.
Data compiled from public sources · Rating from CreditDoc methodology
FirstCash, Inc. is a publicly traded company (component of the S&P MidCap 400 and Russell 2000 indices) headquartered in Fort Worth, Texas, and operates as the leading international pawn store operator. Founded and scaled to serve cash and credit-constrained consumers, the company has grown to employ approximately 22,000 people across its operations in the United States, Latin America, and the United Kingdom.
FirstCash's core business model centers on pawn lending and retail merchandise sales. The company operates over 3,300 pawn store locations where consumers can obtain non-recourse pawn loans secured by personal property such as jewelry, electronics, tools, appliances, sporting goods, and musical instruments. Beyond lending, FirstCash buys and sells merchandise directly to consumers, operates a gold and precious metals buying program, and offers layaway services with 10% down payment options. The company also owns AFF, a subsidiary providing lease-to-own and retail finance payment solutions through 15,000+ merchant partner locations nationwide.
FirstCash distinguishes itself through its massive scale and geographic reach—operating across 29 U.S. states plus Washington D.C., the entire United Kingdom, and throughout Latin America including Mexico, Guatemala, Colombia, and El Salvador. This scale allows them to offer consistent services across markets and provide customers with multiple store locations. The company's public market status and index inclusion demonstrate institutional credibility and financial stability in the pawn lending sector.
For consumers, FirstCash represents a legitimate large-scale pawn lender with established operations and regulatory compliance, but pawn loans carry the inherent limitation of requiring collateral and involve the risk of losing pledged items if loans aren't repaid. Pawn loans, while fast and accessible to credit-constrained consumers, are not suitable substitutes for traditional credit products and should be used strategically for short-term cash needs only.
Yes. TNT Pawn and Jewelry is a registered company, headquartered in Las Vegas, NV.
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CreditDoc Diagnosis
FirstCash is best for cash-constrained consumers with valuable collateral who need immediate funds and cannot access traditional credit, but it is primarily a pawn lender and merchandise retailer, not a credit solution. The main caveat is that pawn loans require surrendering personal property and should only be used for short-term emergency cash needs, not as a substitute for traditional credit products.
A Plus A Pawn Shop offers collateral-based loans at their Los Angeles location on S Alvarado Street, with extended hours and accessible phone contact.
Best for: Individuals needing immediate cash with valuable personal items available as collateral, Customers without access to traditional credit or bank loans who can pledge tangible assets
Express Pawn operates 9 locations across San Diego, offering collateral-based loans on jewelry, watches, electronics, and tools with competitive rates and a 0% interest first-time loan offer.
Best for: Individuals needing fast short-term cash secured by jewelry, watches, electronics, or tools, Luxury item owners seeking to liquidate high-end handbags, diamonds, or vintage watches
EZPAWN Luxe is a pawn shop in Austin, TX offering collateral-based loans, gold/jewelry buying, and discounted pre-owned merchandise with flexible payment options.
Best for: Individuals with items of value (electronics, jewelry, tools, gaming equipment) who need immediate cash without credit checks, Customers seeking discounted pre-owned brand-name merchandise at 25-70% below retail prices
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