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Pawn Shops vs Payday Loans in Cape Coral, FL
8 pawn shops in and around Cape Coral — 3.8 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. Cape Coral ranks #52 of 86 Florida cities with pawn shops by shops per resident.
- Pawn shops
- 8
- Pawn shops per 100k
- 3.8
- Florida: 4.5
- Big-chain shops
- 0
- Payday & loan stores
- 2
- Population
- 208,745
Pawn shops in Cape Coral: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Cape Jewelry & Pawn | 8 Del Prado Blvd S Cape Coral, FL 33990 | (239) 539-3470 | capepawn.com |
| Capital Pawn- Cape Coral | 1515 Del Prado Blvd Cape Coral, FL 33990 | (239) 673-6350 | capitalpawn.com |
| Del Prado Pawn and Jewelry | 1910 Del Prado Blvd S Cape Coral, FL 33990 | (239) 599-2527 | — |
| Fort Myers Gold Exchange | 1202 NE Pine Island Rd Cape Coral, FL 33909 | (239) 829-0057 | ftmyersgoldbuyer.com |
| Larry's Estate Jewelry & Pawn | 1726 Cape Coral Pkwy E Cape Coral, FL 33904 | (239) 549-8881 | larryspawn.com |
| Parkway Pawn | 1639 Cape Coral Pkwy E Cape Coral, FL 33904 | (941) 286-2558 | — |
| Pine Island Pawn & Jewelry | 4624 Pine Island Rd NW Cape Coral, FL 33993 | (239) 579-0051 | pineislandpawn.start.page |
| Sunny Pawn & Jewelry | 8 Del Prado Blvd S Cape Coral, FL 33990 | (239) 201-3611 | — |
Pawn shops vs payday loan stores in Cape Coral
Cape Coral has 8 pawn shops and 2 payday, installment and title loan stores.
Pawn shops
8
3.8 per 100k residents
Payday & loan stores
2
1.0 per 100k residents
2 store chains
Biggest loan store chains in Cape Coral: Advance America (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 Cape Coral
- 1.7%
- Pawn cost, share of monthly household income in Cape Coral
- 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% |
Cape Coral at a glance
- Median household income
- $77,007
- Florida: $75,446
- Poverty rate
- 9.9%
- Florida: 12.7%
- Households under $25,000
- 11.3%
- Florida: 15.4%
- A $400 emergency equals
- 1.9 days of income
Payday and installment loan stores in Cape Coral
For comparison: storefront payday, installment and title lenders in Cape Coral with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 2314 S. Del Prado Blvd. South, Ste. #4 Cape Coral, FL 33990 | (239) 573-9272 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 1751 NE Pine Island Rd Ste 125 Cape Coral, FL 33909 | (239) 214-3600 | — | 3.6 |
Pawn shops near Cape Coral
More about Cape Coral
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.