EXHIBIT 31.2


                          CERTIFICATION PURSUANT TO
                    SECTION 302 OF THE SARBANES-OXLEY ACT

   I, R. Douglas Orr, certify that:

   1.  I have reviewed this Quarterly Report on Form 10-Q 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 and  I are responsible  for
       establishing  and maintaining disclosure  controls and procedures  (as
       defined in Exchange Act Rules 13a-15(e) and 15(d)-15(e)) and  internal
       control  over financial reporting  (as defined in  Exchange Act  Rules
       13(a)-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; and

        d. Disclosed in this report  any change in the Registrant's  internal
           control  over  financial  reporting   that  occurred  during   the
           Registrant's  most  recent  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 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:  October 26, 2005

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