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Pawn Shops vs Payday Loans in Florida
983 pawn shops in 178 cities and towns across Florida. Pick a city for the full list with addresses and phone numbers, or scroll down for the smaller towns.
Florida has about 21,926,539 residents, so that's 4.5 pawn shops per 100,000 people (U.S.: 2.7). For comparison, there are 1.6 payday, installment and title loan stores per 100,000 people in Florida.
- Pawn shops
- 983
- Cities & towns
- 178
- Pawn shops per 100k
- 4.5
- Loan stores
- 352
- List a phone
- 98.4%
- Have a website
- 85.9%
Pawn shops vs payday loan stores in Florida
Florida has 983 pawn shops and 352 payday, installment and title loan stores.
Pawn shops
983
4.5 per 100k residents
Payday & loan stores
352
1.6 per 100k residents
9 store chains
Biggest loan store chains in Florida: Advance America (114), ACE Cash Express (73), OneMain Financial (72), Mariner Finance (39), loanDepot (22).
Borrowing $500 for one month: payday vs pawn vs credit union
| Option | How it works | Cost for one month |
|---|---|---|
| Payday loan (~304% APR) | $55.00 fee every 2 weeks, renewed once | $110.00 |
| Pawn loan (example: 20% a month) | You leave an item worth more than the loan; repay to get it back | $100.00 |
| Credit union PAL (28% APR + $20 fee) | Repaid in installments; membership required | $31.67 |
- Payday cost, share of monthly household income in Florida
- 1.7%
- Pawn cost, share of monthly household income in Florida
- 1.6%
- A $400 emergency equals
- 1.9 days of income
Payday: the FL maximum — $55 on a $500 loan for 2 weeks, paid twice for a one-month loan. Pawn: an example rate of 20% a month; pawn fees and interest are set by Florida law and vary by shop — ask for the total in writing. PAL: payday alternative loan from a federal credit union, capped at 28% APR plus an application fee of up to $20. Income: U.S. Census Bureau, American Community Survey.
Pawn loan vs payday loan: the key differences
| Pawn loan | Payday loan in FL | |
|---|---|---|
| What you need | An item of value (jewelry, gold, electronics, tools, firearms) and an ID | A bank account, proof of income and an ID |
| Credit check | None | Usually none |
| How much you get | A fraction of the item's resale value | Based on your income, up to the state limit |
| If you can't repay | The shop keeps the item; no collections and no credit damage | Fees pile up with renewals; the debt can go to collections |
| Bank account access | None | Lender can debit your account or cash your check |
| Rules in Florida | Pawnbrokers are licensed and regulated by Florida; fees, terms and holding periods are set by state law | Allowed, up to $500; typical APR ~304% |
Pawn shops by city in Florida
- Miami · 98
- Fort Lauderdale · 62
- Tampa · 54
- Jacksonville · 52
- Orlando · 49
- Pompano Beach · 24
- Hollywood · 23
- West Palm Beach · 20
- Hialeah · 19
- Lakeland · 17
- Bradenton · 16
- Kissimmee · 15
- Saint Petersburg · 14
- Fort Myers · 13
- Pensacola · 12
- Boca Raton · 11
- Melbourne · 11
- Daytona Beach · 10
- Ocala · 10
- Sarasota · 10
- Port Saint Lucie · 9
- Winter Haven · 9
- Cape Coral · 8
- Gainesville · 8
- Spring Hill · 8
- Tallahassee · 8
- Brandon · 7
- Clearwater · 7
- Cocoa · 7
- Lake Worth · 7
- Largo · 7
- Naples · 7
- Opa Locka · 7
- Panama City · 7
- Port Charlotte · 7
- Fort Pierce · 6
- Fort Walton Beach · 6
- Homestead · 6
- New Port Richey · 6
- North Fort Myers · 6
- Orange Park · 6
- Saint Augustine · 6
- Vero Beach · 6
- Winter Garden · 6
- Apopka · 5
- Brooksville · 5
- Palm Bay · 5
- Stuart · 5
- Winter Park · 5
- Boynton Beach · 4
- Deland · 4
- Lake City · 4
- Miami Beach · 4
- Saint Cloud · 4
- Sebring · 4
- Titusville · 4
- Altamonte Springs · 3
- Clermont · 3
- Crestview · 3
- Deerfield Beach · 3
- Leesburg · 3
- Lehigh Acres · 3
- Longwood · 3
- Middleburg · 3
- Palm Coast · 3
- Plant City · 3
- Sanford · 3
- Seminole · 3
- Bonita Springs · 2
- Delray Beach · 2
- Jupiter · 2
- North Port · 2
- Palmetto · 2
- Venice · 2
- Zephyrhills · 2
- Coral Springs · 1
- Davenport · 1
- Deltona · 1
- Lutz · 1
- Ormond Beach · 1
- Palm Beach Gardens · 1
- Palm Harbor · 1
- Port Orange · 1
- Punta Gorda · 1
- Valrico · 1
- Wesley Chapel · 1
Where pawn shops cluster in Florida
Cities ranked by pawn shops per 100,000 residents, with local median household income and poverty rate. Statewide: 4.5 per 100k, median income $75,446.
| City | Pawn shops | Per 100k people | Median income | Poverty rate |
|---|---|---|---|---|
| North Fort Myers | 6 | 10.9 | $55,090 | 15.4% |
| Cocoa | 7 | 10.7 | $67,942 | 13.8% |
| Opa Locka | 7 | 10.2 | $52,005 | 18.0% |
| Fort Walton Beach | 6 | 10.2 | $66,255 | 13.7% |
| Daytona Beach | 10 | 8.5 | $52,959 | 19.5% |
| Port Charlotte | 7 | 8.2 | $65,063 | 10.4% |
| Brandon | 7 | 7.7 | $75,256 | 13.0% |
| Winter Haven | 9 | 7.6 | $60,060 | 16.0% |
| Fort Lauderdale | 62 | 7.3 | $82,228 | 12.7% |
| Orange Park | 6 | 7.2 | $84,244 | 9.8% |
| Sebring | 4 | 7.0 | $60,577 | 15.5% |
| Stuart | 5 | 6.7 | $73,623 | 12.0% |
| Titusville | 4 | 6.6 | $65,611 | 9.0% |
| Largo | 7 | 6.6 | $65,556 | 11.1% |
| Brooksville | 5 | 6.6 | $66,685 | 12.1% |
Pawn shop chains in Florida
237 of the 983 pawn shops in Florida belong to a big chain; the rest are independent.
- Value Pawn & Jewelry 98
- Cash America Pawn 84
- La Familia Pawn and Jewelry 34
- Lending Bear 14
- EZPAWN 3
- USA Pawn 2
- Pawn America 1
- Pawn Plus 1
Pawn shops in smaller towns of Florida
Other cities and towns in Florida with pawn shops, and the number of shops in each.
- Alachua 1
- Arcadia 1
- Atlantic Beach 1
- Auburndale 3
- Bartow 2
- Belleview 4
- Branford 1
- Bunnell 1
- Bushnell 1
- Callahan 1
- Cape Canaveral 1
- Casselberry 3
- Chiefland 1
- Chipley 1
- Clewiston 1
- Cocoa Beach 1
- Crystal River 5
- Dade City 3
- Defuniak Springs 1
- Destin 2
- Dunedin 1
- Dunnellon 1
- Edgewater 1
- Ellenton 1
- Eustis 3
- Fernandina Beach 1
- Floral City 1
- Fort Meade 1
- Fruitland Park 1
- Green Cove Springs 1
- Gulf Breeze 1
- Haines City 2
- Hallandale 1
- Hernando 2
- High Springs 2
- Hilliard 1
- Holiday 1
- Homosassa 3
- Hudson 7
- Immokalee 1
- Inverness 2
- Islamorada 1
- Jacksonville Beach 2
- Jensen Beach 1
- Key West 4
- Keystone Heights 1
- Labelle 1
- Lake Placid 1
- Lake Wales 2
- Lake Worth Beach 1
- Live Oak 3
- Lynn Haven 1
- Macclenny 3
- Maitland 1
- Marathon 2
- Marianna 3
- Mary Esther 2
- Merritt Island 1
- Miami Gardens 1
- Moore Haven 1
- Mount Dora 1
- Navarre 1
- New Smyrna Beach 1
- Newberry 1
- Niceville 1
- North Palm Beach 2
- Okeechobee 4
- Old Town 1
- Oldsmar 1
- Orange City 6
- Palatka 3
- Panama City Beach 2
- Perry 1
- Pinellas Park 6
- Port Richey 7
- Port Saint Joe 2
- Rockledge 1
- Satellite Beach 1
- Satsuma 1
- Sebastian 2
- Seffner 3
- Silver Springs 1
- Starke 2
- Summerfield 1
- Sumterville 1
- Tavares 1
- Umatilla 1
- Wewahitchka 1
- Wildwood 1
- Williston 1
- Windermere 1
- Yulee 1
Pawn shop listings: © Overture Maps Foundation (CDLA-Permissive 2.0), including Foursquare OS Places and © OpenStreetMap contributors; filtered and de-duplicated by us. Population, income and poverty: U.S. Census Bureau, American Community Survey. Call ahead to confirm hours and what a shop buys or lends on.