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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, retail sales, and gold buying services.
Data compiled from public sources
FirstCash, Inc. is headquartered in Fort Worth, Texas and operates as the leading international pawn store operator with a substantial retail footprint. The company was founded to serve cash and credit-constrained consumers through collateral-based lending and merchandise sales. With over 3,300 pawn store locations spanning 29 U.S. states, the District of Columbia, the United Kingdom, and Latin America (including all Mexican states plus Guatemala, Colombia, and El Salvador), FirstCash has established significant scale in the pawn lending industry. The company also operates AFF, a wholly owned subsidiary providing lease-to-own and retail finance solutions through 15,000+ merchant partner locations. FirstCash employs approximately 22,000 people globally and is listed in both the S&P MidCap 400 Index and Russell 2000 Index, indicating its status as a substantial mid-cap public company.
FirstCash's core business model centers on non-recourse pawn loans secured by pledged personal property, allowing customers to borrow cash quickly against items of value with eligibility claims to verify. Beyond pawn loans, the company buys and sells a diverse range of merchandise including jewelry, electronics, tools, appliances, sporting goods, and musical instruments. Additional services include gold and precious metal buying (offering short-term cash access for items customers bring in), layaway services (with 10% down payment options), and retail merchandise sales. The company explicitly positions itself as solving the "Save The Piggy Bank" problem—providing short-term cash access without forcing consumers to deplete savings accounts.
FirstCash distinguishes itself through its massive geographic reach (3,300+ locations) and international presence, making it one of the largest pawn operators globally. The company's dual focus on both lending and retail merchandise creates a unique business model compared to smaller regional pawn shops. Its inclusion in major stock indices reflects institutional investor confidence and operational scale. The company also offers listed services like gold buying at scale and an organized layaway program with listed terms.
The primary limitation is that pawn loans, while fast and credit-agnostic, require collateral and involve implicit costs through the buy-sell spread on merchandise. Customers must own items of sufficient value to secure needed amounts. Interest rates and terms on pawn loans are not prominently disclosed on the website, making it difficult to compare pricing with alternatives. As a for-profit public company, FirstCash's business model depends on profitable pawn transactions, which inherently benefits the lender more than the borrower in most cases.
This is state-level context for Pawn Shops consumers in Garland, 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 8 services including Pawn loans secured by pledged personal property (jewelry, electronics, tools, appliances, sporting goods, musical instruments), Gold, silver, and platinum buying with immediate cash payment, General merchandise buying—'almost anything of value' purchased for spot cash, Retail merchandise sales (jewelry, electronics, tools, appliances, sporting goods, musical instruments), Layaway services with 10% down payment requirement, and 3 more.
Valu + Pawn has profile signals associated with Individuals with valuable personal items (jewelry, electronics, tools, instruments) who are researching short-term cash access without credit approval, Credit-constrained consumers unable to qualify for traditional personal loans or credit products, People seeking to avoid depleting savings accounts and preferring to use pledged collateral instead, Consumers in areas with FirstCash locations who need quick access to layaway or merchandise purchasing with down payment options.
Key strengths: Massive geographic footprint with 3,300+ locations across 29 U.S. states, DC, UK, and Latin America for convenient access; eligibility claim to verify—pawn loans are based purely on collateral value, not creditworthiness; Same-day cash funding available; loans are non-recourse (personal assets not at risk beyond pledged item). Areas to consider: Pawn loans require collateral ownership; customers without valuable items cannot access loans regardless of need; Interest rates and loan terms not transparently disclosed on website, making cost comparison impossible before visiting a store.
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 credit-constrained consumers with valuable personal items who need same-day cash without credit verification. The primary caveat is that pawn loans require collateral ownership and involve losing items if loans aren't repaid, making this suitable only for customers who can afford to lose pledged property and whose alternative is not to borrow at all.
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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