No stored Google rating available.
Uncle Dan's Pawn Shop in Garland, TX offers collateral loans, gold buying, luxury jewelry, and Entrupy-authenticated designer goods at their Dairy Road location.
Data compiled from public sources
Uncle Dan's Pawn Shops has served the greater Dallas area for over 35 years, operating multiple locations across the metro. The Garland location sits on Dairy Road near Centerville and Broadway and is locally owned and community-focused. Store Manager Fernando Cruz and General Manager Michael Franco oversee day-to-day operations, and the shop is reachable by phone at (972) 271-6200 or by email directly.
The Garland store covers a wide spectrum of pawn and retail services. At its core, it provides collateral-based loans — customers bring in items of value, receive a cash loan, and can reclaim their property by repaying the loan plus fees within the agreed term. The shop is also a licensed gold dealer and FFL (Federal Firearms License) dealer. Beyond lending, it operates as a full retail destination: new and pre-owned fine jewelry, luxury watches, electronics, tools, and general merchandise are available for purchase or outright sale.
Several features elevate this location beyond a standard pawn shop. Entrupy authentication services independently verify the legitimacy of designer handbags and sneakers, giving buyers confidence in luxury resale purchases. On-site CAD jewelry design, jewelry testing, and repair services make it a destination for jewelry customers specifically. The SMART Jewelry Warranty/Trade-up Program offers post-purchase protection and upgrade pathways. A mobile app lets customers make loan payments and extend loans remotely. Flexible financing — including interest-free layaway and Buy Now Pay Later — makes higher-value items accessible without requiring full upfront payment.
Uncle Dan's Garland is a legitimate option for consumers who need fast liquidity against physical assets, or who want to buy authenticated pre-owned luxury goods at below-retail prices. That said, it is not a traditional lender — loan amounts are determined entirely by the shop's in-house appraisal, which typically runs well below street market value. Pawn loan interest rates and fees in Texas are not disclosed on the website, and Texas law permits relatively high pawn charges; borrowers should ask about the total cost before pledging any item. The store is also closed Sundays, limiting access for customers who can only visit on weekends.
This is state-level context for Pawn Shops consumers in Garland, TX. It does not confirm that Uncle Dan's Pawn Shop - Garland 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.
Uncle Dan's Pawn Shop - Garland offers 12 services including Collateral-based pawn loans, Gold buying and dealing, FFL (Federal Firearms License) dealership, New and pre-owned fine jewelry retail, Luxury watch sales, and 7 more.
Uncle Dan's Pawn Shop - Garland has profile signals associated with Consumers who are researching short-term cash access and have jewelry, electronics, or valuables to pledge as collateral, Buyers seeking authenticated pre-owned luxury handbags, watches, or fine jewelry at below-retail prices, Firearm buyers or sellers requiring a licensed FFL dealer, Shoppers wanting interest-free layaway or BNPL on higher-value pre-owned merchandise.
Key strengths: Entrupy third-party authentication for designer handbags and sneakers reduces counterfeit risk; Mobile app allows loan payments and extensions without an in-person visit; FFL dealer on-site enables legal firearm transactions. Areas to consider: Closed Sundays, restricting access for customers only available on weekends; Loan amounts depend entirely on the shop's collateral appraisal, which is typically below market value.
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
Uncle Dan's Garland is best suited for consumers who have physical assets to leverage for short-term cash access loans or who want to buy verified pre-owned luxury goods at below-retail prices. The main caveat is that pawn loan costs in Texas can be substantial and rates are not published on the website, so borrowers should always ask for the full fee schedule before pledging collateral.
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
Answer 3 quick questions to review category, service, and profile context.
1. What's your primary financial goal?
Your credit report contains the raw data behind your score. Learn what's in it, how to read it, and how to dispute errors that could be dragging your score down.
Read guide →Klarna, Afterpay, Affirm — they make spending easy. But what happens to your credit score when you use them? Here's what the fine print doesn't tell you.
Read guide →Learn what makes up your credit score, how it's calculated, what the ranges mean, and how to check yours for free.
Read guide →Affiliate Disclosure: CreditDoc may earn a commission when you click links to Uncle Dan's Pawn Shop - Garland and other services. These commissions help us maintain our free research. Compensation does not determine whether a provider can be covered; visible star ratings use stored Google review ratings when available. Learn more.