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FirstCash is the leading international pawn operator with 3,300+ locations across 29 U.S. states, the UK, and Latin America, offering pawn loans secured by personal property and retail merchandise sales.
Data compiled from public sources
FirstCash, Inc. is headquartered in Fort Worth, Texas and operates as the leading international pawn store chain. Founded and scaled into a major financial services provider, FirstCash has built a network of over 3,300 retail pawn locations serving cash and credit-constrained consumers across North America and Latin America. The company is publicly traded and included in the S&P MidCap 400 and Russell 2000 indices, employing approximately 22,000 people globally.
FirstCash's core business revolves around two primary services: pawn loans and retail merchandise sales. Pawn loans are small, non-recourse loans secured by pledged personal property—customers deposit items of value and receive short-term cash access with eligibility claims to verify. The company buys and sells a wide variety of goods including jewelry, electronics, tools, appliances, sporting goods, and musical instruments. Additionally, FirstCash offers layaway services (10% down payment required), gold/precious metal buying, and through its subsidiary AFF, provides lease-to-own and retail finance solutions through 15,000+ merchant partner locations.
What distinguishes FirstCash from smaller pawn operators is its scale, geographic diversity, and integrated service ecosystem. With locations across 29 U.S. states plus international presence in Mexico, Guatemala, Colombia, El Salvador, and the United Kingdom, the company provides accessible lending to underbanked populations. The subsidiary AFF extends their reach into retail finance beyond pawn, and their inclusion in major stock indices suggests institutional credibility and financial stability that many regional pawn shops lack.
FirstCash serves a legitimate niche for consumers researching short-term cash access with no-credit-qualification claims to verify, though pawn loans carry inherent risks including asset loss if loans aren't repaid and potential overpayment for items sold through their retail channels. Their non-recourse model (lenders cannot pursue borrowers for loan deficiency) is borrower-friendly but may result in higher interest rates to offset lender risk. The company is listed about services on their website but does not prominently display APR/fee structures, which is standard industry practice but limits upfront cost clarity.
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 11 services including Pawn loans secured by personal property (jewelry, electronics, tools, instruments, etc.), Retail sales of pawned merchandise and inventory items, Gold, silver, and precious metal buying with immediate cash payment, Layaway service with 10% down payment requirement, Store locator and inventory search functionality, and 6 more.
Valu + Pawn has profile signals associated with Consumers with urgent expense research ($100-$5,000) who lack credit history or may not meet traditional personal-loan criteria, Individuals with valuable jewelry, electronics, or instruments they're willing to use as collateral for short-term liquidity, Underbanked or credit-constrained populations in underserved areas with limited access to traditional banking services, People seeking to buy merchandise at discount through retail pawn inventory or layaway services.
Key strengths: 3,300+ locations across 29 U.S. states, UK, and Latin America—among the most accessible pawn networks available; Non-recourse pawn loans mean borrowers cannot be pursued for deficiency if collateral is sold; eligibility claim to verify or traditional underwriting required—immediate qualification based on collateral value. Areas to consider: Pawn loans typically carry high effective interest rates (exact APR not disclosed on website), making them expensive compared to personal loans or credit union alternatives; Risk of asset loss—if loan is not repaid, collateral is forfeited with no recourse for borrower to recover it.
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 cash-constrained consumers who own valuable items and need immediate liquidity with no-credit-qualification claims to verify—particularly those without access to traditional banking or payday alternatives. The main caveat is that pawn loans are expensive relative to other borrowing options, pose risk of asset forfeiture, and do not build credit history; they should be a last resort for emergency cash needs, not a primary financial strategy.
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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