FirstCash is the leading international pawn store operator with 3,300+ locations across 29 U.S. states, Latin America, and the UK, offering pawn loans and retail merchandise.
Editorially reviewed by Harvey Brooks
FirstCash Holdings, Inc. is a publicly traded consumer finance and retail company headquartered at 1600 West 7th Street, Fort Worth, Texas. Founded as a pawn operator, it has grown into the largest international pawn chain in the world, listed on both the S&P MidCap 400 Index and the Russell 2000 Index, employing approximately 22,000 people across the U.S., Latin America, and the United Kingdom.
The company's core offering is small, non-recourse pawn loans secured by pledged personal property — customers bring in items of value, receive a cash loan, and can reclaim their property upon repayment. If the loan goes unpaid, the customer forfeits only the collateral with no further obligation. Beyond lending, FirstCash operates full retail locations that buy and sell jewelry, electronics, tools, appliances, sporting goods, musical instruments, and general merchandise. A layaway plan is available with 10% down. Through its wholly owned subsidiary AFF, FirstCash also provides lease-to-own and retail finance payment solutions through a nationwide network of over 15,000 active merchant partner locations.
What distinguishes FirstCash from independent pawn operators is its scale and institutional backing. With more than 3,300 stores spanning 29 U.S. states, Washington D.C., Mexico (all states), Guatemala, Colombia, El Salvador, and the United Kingdom, it offers consistent processes and store infrastructure that smaller competitors cannot match. Its publicly traded status means it is subject to SEC disclosure requirements and investor scrutiny, providing a layer of accountability unusual in the pawn industry.
For cash and credit-constrained consumers, FirstCash can be a practical option when bank credit is unavailable — the non-recourse structure means no debt collection risk if the borrower walks away from the collateral. However, pawn loan effective interest rates are typically very high and are not disclosed on the company website, varying by state regulation. Item valuations are at store discretion and commonly reflect a fraction of retail or resale value. This is a short-term cash access tool, not a low-cost financing solution, and consumers should explore alternatives before pledging sentimental or high-value items.
Yes. Cash Plus Pawn is a registered company headquartered in 5352 FM1187, Burleson, TX 76028. They hold a NR rating with the Better Business Bureau.
CreditDoc Diagnosis
FirstCash is best suited for consumers who need quick cash without a credit check and are comfortable pledging personal property, or for budget shoppers hunting pre-owned merchandise. The central caveat is cost: pawn loan rates are not published and are typically very high, and item valuations often reflect a significant discount to true market value — making this a last-resort liquidity tool rather than a preferred financing option.
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