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Pawn Shops vs Payday Loans in Apopka, FL
5 pawn shops in and around Apopka — 4.7 per 100,000 residents, compared with 4.5 across Florida. Call ahead to ask what they're buying and lending on today: inventory needs change weekly. Apopka ranks #41 of 86 Florida cities with pawn shops by shops per resident.
- Pawn shops
- 5
- Pawn shops per 100k
- 4.7
- Florida: 4.5
- Big-chain shops
- 3
- Payday & loan stores
- 4
- Population
- 107,125
Pawn shops in Apopka: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| All American Pawn | 1344 E Semoran Blvd Apopka, FL 32703 | (407) 886-6660 | allamericanpawndenver.com |
| Cash America PawnChain | 399 E Main St Apopka, FL 32703 | (407) 886-6969 | firstcash.com |
| Park Avenue Gold & Pawn Inc | 72 E Main St Apopka, FL 32703 | (407) 886-0792 | — |
| Value Pawn & JewelryChain | 1033 W Orange Blossom Trail Apopka, FL 32712 | (407) 410-0177 | valuepawnandjewelry.com |
| Value Pawn & JewelryChain | 2200 E Semoran Blvd Apopka, FL 32703 | (407) 814-8088 | valuepawnandjewelry.com |
Pawn shops vs payday loan stores in Apopka
Apopka has 5 pawn shops and 4 payday, installment and title loan stores.
Pawn shops
5
4.7 per 100k residents
Payday & loan stores
4
3.7 per 100k residents
4 store chains
Biggest loan store chains in Apopka: ACE Cash Express (1), Advance America (1), Mariner Finance (1), OneMain Financial (1).
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 Apopka
- 1.5%
- Pawn cost, share of monthly household income in Apopka
- 1.4%
- A $400 emergency equals
- 1.7 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% |
Apopka at a glance
- Median household income
- $86,946
- Florida: $75,446
- Poverty rate
- 11.9%
- Florida: 12.7%
- Households under $25,000
- 12.4%
- Florida: 15.4%
- A $400 emergency equals
- 1.7 days of income
Payday and installment loan stores in Apopka
For comparison: storefront payday, installment and title lenders in Apopka with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 87 W Main St Apopka, FL 32703 | (407) 880-8809 | — | 4.9 |
| 813 S. Orange Blossom Trail Apopka, FL 32703 | (407) 814-0871 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 2169 E Semoran Blvd Apopka, FL 32703 | (407) 884-0154 | — | 4.7 |
| 3030 E Semoran Blvd #192 Apopka, FL 32703 | (407) 682-2079 | — | 4.8 |
Pawn shops near Apopka
More about Apopka
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.