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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 secured by personal property.
Data compiled from public sources
FirstCash, Inc. is headquartered in Fort Worth, Texas and operates as the leading international pawn store chain with over 3,300 retail locations. The company was founded to serve cash and credit-constrained consumers who need fast access to capital without traditional credit requirements. FirstCash employs approximately 22,000 people across the United States, Latin America, and the United Kingdom, and is listed on both the S&P MidCap 400 Index and Russell 2000 Index.
FirstCash's primary business model centers on pawn loans—non-recourse loans secured by pledged personal property such as jewelry, electronics, tools, appliances, sporting goods, and musical instruments. Beyond pawn lending, the company operates retail sales of previously pawned merchandise, gold and precious metal buying services, and layaway plans requiring 10% down payments. Through its wholly-owned subsidiary AFF, FirstCash also provides lease-to-own and retail finance payment solutions through a network of over 15,000 merchant partner locations nationwide.
FirstCash distinguishes itself through its massive geographic footprint spanning 29 U.S. states plus Washington D.C., the United Kingdom, Mexico (all states), Guatemala, Colombia, and El Salvador. The company's scale, brand recognition, and technology-driven point-of-sale systems set it apart from smaller regional pawn operators. Their diverse merchandise buying and selling operations create a retail component that extends beyond lending.
For consumers, FirstCash offers short-term cash access with eligibility claims to verify, making it genuinely useful for those in urgent financial situations. However, pawn loans inherently carry the risk of losing pledged items if not repaid, and while non-recourse, the terms may not be favorable compared to traditional credit. The company's size and ubiquity make it convenient, but borrowers should understand they are trading personal property for short-term liquidity.
This is state-level context for Pawn Shops consumers in Dallas, TX. It does not confirm that Valu + Pawn 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.
Valu + Pawn offers 12 services including Pawn loans secured by personal property (jewelry, electronics, tools, appliances, sporting goods, musical instruments), Gold and precious metal buying services with same-day cash payouts, Retail sales of previously pawned merchandise and inventory, Layaway plans with 10% down payment option, Lease-to-own and retail finance payment solutions through AFF subsidiary, and 7 more.
Valu + Pawn has profile signals associated with Cash-constrained consumers who need immediate liquidity and have valuable personal property to pledge, People with poor or no credit history who may not meet traditional personal-loan or credit-product criteria, Individuals seeking to buy discounted merchandise through FirstCash's retail resale operations, Short-term borrowers who can repay within weeks or months and want to avoid debt spiral risks.
Key strengths: Massive network of 3,300+ locations across 29 U.S. states, DC, UK, Mexico, Guatemala, Colombia, and El Salvador for accessibility; Non-recourse pawn loans—borrowers cannot be pursued for deficiency judgments if items are forfeited; eligibility claim to verify; serves cash and credit-constrained consumers who may not meet traditional loan criteria. Areas to consider: Risk of losing pledged personal property if loan is not repaid by the due date; Pawn loan interest rates and terms are not disclosed on the website, making cost comparison difficult upfront.
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
FirstCash is profile signals for consumers in immediate financial need who have valuable personal property to pledge as collateral and cannot access traditional credit. The main caveat is that pawn loans involve the risk of losing pledged items if not repaid, and the company's business model prioritizes profitability over consumer-friendly terms—consumers should carefully evaluate whether their specific item and situation justify a pawn loan versus other financial alternatives.
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
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1. What's your primary financial goal?
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