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Pawn Shops vs Payday Loans in Clearwater, FL
7 pawn shops in and around Clearwater — 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. Clearwater ranks #55 of 86 Florida cities with pawn shops by shops per resident.
- Pawn shops
- 7
- Pawn shops per 100k
- 3.8
- Florida: 4.5
- Big-chain shops
- 2
- Payday & loan stores
- 2
- Population
- 184,563
Pawn shops in Clearwater: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Cash America PawnChain | 1530 S Missouri Ave Clearwater, FL 33756 | (727) 443-2263 | find.cashamerica.us |
| Coast To Coast Pawn | 2054 Gulf To Bay Blvd Clearwater, FL 33765 | (727) 461-0498 | coasttocoastpawn.com |
| Pawn Depot | 3899 Ulmerton Rd Clearwater, FL 33762 | (727) 525-6551 | — |
| Quick Cash Pawn East | 2902 Roosevelt Blvd Clearwater, FL 33760 | (727) 536-1985 | quickcashpawneast.com |
| Sunset Jewelry & Loan | 1901 N Hercules Ave Clearwater, FL 33763 | (727) 448-0499 | sunsetpawn.com |
| Tampa Bay Pawn | 2007 Gulf To Bay Blvd Clearwater, FL 33765 | (727) 754-4864 | tampabaypawn.com |
| Value Pawn & JewelryChain | 29661 US Highway 19 N Clearwater, FL 33761 | (727) 785-2719 | valuepawnandjewelry.com |
Pawn shops vs payday loan stores in Clearwater
Clearwater has 7 pawn shops and 2 payday, installment and title loan stores.
Pawn shops
7
3.8 per 100k residents
Payday & loan stores
2
1.1 per 100k residents
2 store chains
Biggest loan store chains in Clearwater: OneMain Financial (1), loanDepot (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 Clearwater
- 2.1%
- Pawn cost, share of monthly household income in Clearwater
- 1.9%
- A $400 emergency equals
- 2.3 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% |
Clearwater at a glance
- Median household income
- $63,073
- Florida: $75,446
- Poverty rate
- 14.5%
- Florida: 12.7%
- Households under $25,000
- 18.9%
- Florida: 15.4%
- A $400 emergency equals
- 2.3 days of income
Payday and installment loan stores in Clearwater
For comparison: storefront payday, installment and title lenders in Clearwater with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 25957 US-19 Clearwater, FL 33763 | (727) 546-5360 | — | 4.3 |
| 1700 McMullen Booth Rd Ste D1 Clearwater, FL 33759 | (727) 203-7100 | — | 1.0 |
Pawn shops near Clearwater
More about Clearwater
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.