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.;

   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  15d-15(e))  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. 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

        c. 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 (the registrant's  fourth
           fiscal  quarter  in  the  case  of  an  annual  report)  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:  August 6, 2004


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