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 and retail merchandise sales.
Data compiled from public sources · Google rating shown when a stored review count is available
FirstCash, Inc. is headquartered in Fort Worth, Texas and operates as the leading international pawn store chain with over 3,300 retail locations across 29 U.S. states, the District of Columbia, the United Kingdom, and Latin America (Mexico, Guatemala, Colombia, and El Salvador). The company employs approximately 22,000 people and is listed in both the Standard & Poor's MidCap 400 Index and the Russell 2000 Index, indicating its scale as a major public company in the consumer lending space.
FirstCash serves cash and credit-constrained consumers primarily through pawn loans, which are non-recourse loans secured by pledged personal property such as jewelry, electronics, tools, appliances, sporting goods, and musical instruments. In addition to pawn lending, the company operates retail merchandise sales, buys and sells gold and precious metals for cash, offers layaway services with 10% down payment options, and through its subsidiary AFF, provides lease-to-own and retail finance payment solutions through 15,000+ merchant partner locations.
What distinguishes FirstCash is its massive scale as an international operator with deep market penetration across North America and Latin America, combined with its dual business model that includes both direct pawn lending and technology-driven point-of-sale payment solutions. The company's ability to instantly purchase items of value and provide same-day cash distinguishes it from traditional lenders. Their extensive store network (2,500+ locations mentioned in some materials) and the variety of merchandise categories they accept make pawn loans accessible across wide geographic areas.
For consumers, FirstCash represents a legitimate option for fast, collateral-based cash access with eligibility and income-verification claims to verify, but borrowers should understand that pawn loans result in loss of the pledged item if not repaid, and the terms may not be as favorable as traditional personal loans. The company's scale and public status provide some assurance of legitimacy compared to independent pawn shops, though pawn lending inherently carries the risk of losing personal property.
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 9 services including Non-recourse pawn loans secured by pledged personal property (jewelry, electronics, tools, appliances, sporting goods, musical instruments), Retail merchandise sales of previously pawned or consigned items, Gold, silver, and precious metals buying service with instant cash payment, Layaway purchase plan with 10% down payment option, Item purchase service—company buys items of value directly from customers, and 4 more.
Valu + Pawn has profile signals associated with Consumers with valuable personal property who are researching short-term cash access and prefer losing collateral over taking on unsecured debt, Cash-constrained individuals without credit history or with poor credit who may not meet traditional loan criteria, People selling gold, jewelry, or electronics for short-term cash access without needing to list items individually online, Shoppers seeking affordable layaway purchase options with minimal down payment (10%) for retail merchandise.
Key strengths: 3,300+ retail locations across 29 U.S. states, UK, and Latin America provide convenient access to pawn services; Non-recourse loans mean no additional debt collection or credit damage if you don't repay—you simply lose the pledged item; short-term cash access payment on the spot for items sold or pawned; no waiting period for funding. Areas to consider: Pledged items are forfeited if loan is not repaid—you lose personal property that may have sentimental or practical value; Pawn loan terms, interest rates, and fees are not disclosed on the website; borrowers must visit a store to learn costs.
In the Pawn Shops category, comparable providers include E Pawn College Park, Jax Jewelry & Pawn, Sunbelt Pawn Jewelry & Loan #1. 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 who own valuable items and are researching short-term cash access without credit scrutiny, but understand that pawn loans mean surrendering the pledged property if unable to repay. The main caveat is that while this avoids taking on additional unsecured debt, it results in permanent loss of personal property—making pawn an option of last resort rather than a sustainable financial solution.
ePawn is the largest independently owned pawn shop chain in Atlanta with 8 locations, offering in-store and online collateral loans on luxury items ranging from $1K to $1M with eligibility claims to verify.
Google rating from 69 reviews
Profile signals: Customers in urgent expense situations needing same-day cash without credit approval, Owners of high-value luxury items (watches, jewelry, handbags, vehicles) seeking quick liquidity
Jax Jewelry & Pawn operates two Jacksonville locations offering collateral-based loans and cash purchases on jewelry, gold, firearms, electronics, and merchandise. Claims over 100 years in business with focus on fair pricing and customer service.
Google rating from 1,407 reviews
Profile signals: Consumers with valuable jewelry, gold, or collectible items researching short-term cash access with eligibility claims to verify, People in temporary financial hardship who can repay within weeks and want to retrieve pledged items
Family-owned pawn shop chain operating 19 locations across Houston, Dallas, Irving, and Fort Worth since 2006. Offers collateral-based loans, jewelry repair, firearms transfers, and merchandise sales.
Google rating from 2,429 reviews
Profile signals: Business owners and self-employed individuals needing short-term emergency cash without loan application delays, People with valuable items (jewelry, electronics, instruments, tools) who prefer short-term cash access over traditional lending
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