No stored Google rating available.
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.
Data compiled from public sources
FirstCash, Inc. is a publicly traded company (component of S&P MidCap 400 and Russell 2000 indexes) headquartered in Fort Worth, Texas, with approximately 22,000 employees. Founded to serve cash and credit-constrained consumers, the company has grown into the largest international pawn store operator by location count and market presence.
FirstCash operates a diverse lending and retail model centered on pawn loans secured by pledged personal property (non-recourse loans). The company buys and sells jewelry, electronics, tools, appliances, sporting goods, and musical instruments. Beyond pawn lending, FirstCash offers layaway services (10% down payment plans), gold/precious metals buying, and retail inventory sales. Through its wholly owned subsidiary AFF, FirstCash also provides lease-to-own and retail finance payment solutions across 15,000+ merchant partner locations nationwide.
What distinguishes FirstCash is its scale—3,300+ retail locations make it the dominant player in the U.S. pawn market with national and international geographic reach. The company is a public entity with listed financial reporting, reducing concerns about predatory practices common in smaller, independent pawn shops. Their layaway and gold-buying services provide alternative pathways to short-term cash access beyond traditional pawn loans. The subsidiary AFF expands their addressable market into point-of-sale financing for retail goods and services.
For consumers, FirstCash offers legitimate quick access to cash through collateral-based loans with eligibility claims to verify, but pawn loans come with the inherent limitation of losing personal property if unable to repay. While larger and more regulated than typical independent pawn shops, interest rates and terms are not disclosed on their website, requiring store visits for specifics. The non-recourse nature (no debt collection beyond loss of item) is protective compared to traditional loans.
This is state-level context for Pawn Shops consumers in Irving, 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 10 services including Pawn loans secured by pledged personal property (jewelry, electronics, tools, appliances, instruments), Retail sales of jewelry, electronics, tools, appliances, sporting goods, and musical instruments, Gold, silver, and platinum buying—customers receive cash on the spot, Layaway service with 10% down payment option, Item purchasing (company buys almost anything of value), and 5 more.
Valu + Pawn has profile signals associated with Unbanked or credit-constrained consumers who are researching short-term cash access and own valuable items to pledge, People in urgent financial situations (emergency expenses, gaps between paychecks) who have jewelry, electronics, or tools, Individuals seeking to purchase secondhand merchandise at pawn shops with varied inventory, Those with gold, silver, or platinum who want short-term cash access conversion without selling through jewelry buyers.
Key strengths: 3,300+ retail locations across 29 U.S. states, UK, and Latin America—largest pawn operator by scale; Non-recourse pawn loans—borrowers cannot be pursued for deficiency if item sells for less than loan amount; eligibility claim to verify—serves credit-constrained consumers who may not meet traditional loan criteria. Areas to consider: Loss of collateral if unable to repay—surrendering personal property is the enforcement mechanism, not debt collection; Interest rates and loan terms not disclosed on website—consumers must visit stores to learn actual costs.
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 own valuable collateral (jewelry, electronics, tools, instruments) and cannot access traditional credit. The primary caveat is that pawn loans require surrendering personal property, and consumers must visit stores to learn actual interest rates and repayment terms, which vary by location and item value.
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?
A plain-English breakdown of every credit score range — what each number actually means for your loans, cards, and daily life, plus exactly what to do about yours.
Read guide →A plain-English breakdown of what credit products, loans, and cards you can realistically get at every credit score level — from deep subprime to excellent.
Read guide →Learn exactly how to check your credit score for free using legitimate sources, understand the difference between soft and hard inquiries, and know your rights under federal law.
Read guide →Affiliate Disclosure: CreditDoc may earn a commission when you click links to Valu + Pawn 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.