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Pawn Shops vs Payday Loans in Brandon, FL
7 pawn shops in and around Brandon — 7.7 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. Brandon ranks #7 of 86 Florida cities with pawn shops by shops per resident.
- Pawn shops
- 7
- Pawn shops per 100k
- 7.7
- Florida: 4.5
- Big-chain shops
- 4
- Payday & loan stores
- 4
- Population
- 90,984
Pawn shops in Brandon: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Brandon Pawn and Gun | 332 E Brandon Blvd Brandon, FL 33511 | (813) 661-6285 | brandonpawnandgun.com |
| Cash America PawnChain | 115 E Brandon Blvd Brandon, FL 33511 | (813) 643-0771 | cashamerica.com |
| La Familia Pawn and JewelryChain | 901 W Brandon Blvd Ste G Brandon, FL 33511 | (813) 537-6320 | lafamiliapawn.com |
| Parker Pawn | 727 W Lumsden Rd Brandon, FL 33511 | (813) 530-4624 | parkerspawnshop.com |
| Universal Jewelry Pawn & Gun Range | 990 W Brandon Blvd Brandon, FL 33511 | (813) 654-9109 | pawnandgun.com |
| Value Pawn & JewelryChain | 1809 W Brandon Blvd Brandon, FL 33511 | (813) 684-9999 | valuepawnandjewelry.com |
| Value Pawn & JewelryChain | 209 W Brandon Blvd Brandon, FL 33511 | (813) 684-2602 | valuepawnandjewelry.com |
Pawn shops vs payday loan stores in Brandon
Brandon has 7 pawn shops and 4 payday, installment and title loan stores.
Pawn shops
7
7.7 per 100k residents
Payday & loan stores
4
4.4 per 100k residents
4 store chains
Biggest loan store chains in Brandon: ACE Cash Express (1), Advance America (1), Lendmark Financial Services (1), Mariner Finance (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 Brandon
- 1.8%
- Pawn cost, share of monthly household income in Brandon
- 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% |
Brandon at a glance
- Median household income
- $75,256
- Florida: $75,446
- Poverty rate
- 13.0%
- Florida: 12.7%
- Households under $25,000
- 12.7%
- Florida: 15.4%
- A $400 emergency equals
- 1.9 days of income
Payday and installment loan stores in Brandon
For comparison: storefront payday, installment and title lenders in Brandon with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1335 W Brandon Blvd F Brandon, FL 33511 | (813) 653-2817 | — | 4.6 |
| 233 W. Brandon Blvd. Brandon, FL 33511 | (813) 654-8293 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 2440 W Brandon Blvd Brandon, FL 33511 | (813) 655-0558 | — | 4.6 |
| 1905 W Brandon Blvd Brandon, FL 33511 | (813) 651-5436 | — | 4.8 |
Pawn shops near Brandon
More about Brandon
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.