EXHIBIT 31.2
                          CERTIFICATION PURSUANT TO
                    SECTION 302 OF THE SARBANES-OXLEY ACT

 I, R. Douglas Orr, certify that:

 1.   I have reviewed this Annual Report on Form 10-K of First Cash Financial
      Services, Inc. (the "Registrant");

 2.   Based  on  my knowledge,  this  report  does  not  contain  any  untrue
      statement of a material fact or omit to state a material fact necessary
      to make the statements made, in light of the circumstances  under which
      such statements were made, not misleading with  respect  to the  period
      covered by this report;

 3.   Based on my  knowledge,  the financial statements, and other  financial
      information included  in this report,  fairly  present in all  material
      respects the financial condition, results of operations and  cash flows
      of the registrant as of, and for, the periods presented in this report;

 4.   The  registrant's other certifying  officer(s) and  I  are  responsible
      for  establishing and maintaining  disclosure controls  and  procedures
      (as  defined  in  Exchange  Act  Rules  13a-15(e)  and  15d-15(e))  and
      internal  control over financial reporting (as defined in Exchange  Act
      Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

        a. Designed such disclosure controls  and procedures, or caused  such
           disclosure controls  and  procedures  to  be  designed  under  our
           supervision, to ensure that  material information relating to  the
           registrant, including its consolidated subsidiaries, is made known
           to us by  others within  those entities,  particularly during  the
           period in which this report is being prepared;

        b. Designed  such  internal  control  over  financial  reporting,  or
           caused such  internal  control  over  financial  reporting  to  be
           designed under our  supervision, to  provide reasonable  assurance
           regarding  the  reliability   of  financial   reporting  and   the
           preparation of  financial  statements  for  external  purposes  in
           accordance with generally accepted accounting principles;

        c. Evaluated  the  effectiveness   of  the  registrant's   disclosure
           controls  and  procedures  and   presented  in  this  report   our
           conclusions about the effectiveness of the disclosure controls and
           procedures, as of  the end of  the period covered  by this  report
           based on such evaluation;

        d. Disclosed in this report  any change in the registrant's  internal
           control  over  financial  reporting   that  occurred  during   the
           registrant's fourth fiscal quarter  that has materially  affected,
           or is  reasonably likely  to materially  affect, the  registrant's
           internal control over financial reporting; and

 5.   The  registrant's  other certifying  officer(s) and  I have  disclosed,
      based   on  our  most  recent  evaluation  of  internal  control   over
      financial  reporting,  to the  registrant's  auditors  and  the  audit
      committee  of   the  registrant's  board  of  directors  (or   persons
      performing the equivalent functions):

        a. All  significant  deficiencies  and  material  weaknesses  in  the
           design or operation of  internal control over financial  reporting
           which are reasonably likely  to adversely affect the  registrant's
           ability  to  record,  process,  summarize  and  report   financial
           information; and

        b. Any fraud, whether or not material, that involves management or
           other employees who have a significant role in the registrant's
           internal control over financial reporting.

 Date:   March 10, 2005

 /s/ R. Douglas Orr
 ------------------
 R. Douglas Orr
 Chief Financial Officer