Compare legal limits, fees and the true cost of small loans in your state before you talk to any lender. Compare legal limits, fees and the true cost of small loans in your state.
Pawn Shops vs Payday Loans in Daytona Beach, FL
10 pawn shops in and around Daytona Beach — 8.5 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. Daytona Beach ranks #5 of 86 Florida cities with pawn shops by shops per resident.
- Pawn shops
- 10
- Pawn shops per 100k
- 8.5
- Florida: 4.5
- Big-chain shops
- 3
- Payday & loan stores
- 3
- Population
- 117,044
Pawn shops in Daytona Beach: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Auto Pawn of Daytona | 879 Mason Ave Daytona Beach, FL 32117 | (386) 252-2500 | autopawnofdaytona.net |
| Cash America PawnChain | 133 Ridgewood Ave Holly Hill, FL 32117 | (386) 239-0002 | find.cashamerica.us |
| Cash America PawnChain | 201 S Nova Rd Daytona Beach, FL 32114 | (386) 252-5566 | find.cashamerica.us |
| Daytona Pawn and Jewelry | 300 Ridgewood Ave Holly Hill, FL 32117 | (386) 310-7660 | — |
| Godfather Pawn Jewelry and Gun Loans | 1630 Ridgewood Ave Holly Hill, FL 32117 | (386) 366-7296 | godfatherpawn.com |
| LaBosco's II Music and Pawn | 1979 S Ridgewood Ave South Daytona, FL 32119 | (386) 788-6233 | laboscos.com |
| Mason Avenue Firearms and Pawn | 347 Mason Ave Daytona Beach, FL 32117 | (386) 226-4653 | masonavenuefirearmsandpawn.com |
| O K Pawn & Jewelry | 305 Dr Mary McLeod Bethune Blvd Daytona Beach, FL 32114 | (386) 252-2372 | okpawnandjewelry.com |
| Richard Hill's Music & Pawn | 2550 S Nova Rd Ste 4 Daytona Beach, FL 32119 | (386) 290-3644 | daytonabeachpawnshop.com |
| Value Pawn & JewelryChain | 132 Ridgewood Ave Holly Hill, FL 32117 | (386) 253-3334 | valuepawnandjewelry.com |
Pawn shops vs payday loan stores in Daytona Beach
Daytona Beach has 10 pawn shops and 3 payday, installment and title loan stores.
Pawn shops
10
8.5 per 100k residents
Payday & loan stores
3
2.6 per 100k residents
3 store chains
Biggest loan store chains in Daytona Beach: ACE Cash Express (1), Advance America (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 Daytona Beach
- 2.5%
- Pawn cost, share of monthly household income in Daytona Beach
- 2.3%
- A $400 emergency equals
- 2.8 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% |
Daytona Beach at a glance
- Median household income
- $52,959
- Florida: $75,446
- Poverty rate
- 19.5%
- Florida: 12.7%
- Households under $25,000
- 22.8%
- Florida: 15.4%
- A $400 emergency equals
- 2.8 days of income
Payday and installment loan stores in Daytona Beach
For comparison: storefront payday, installment and title lenders in Daytona Beach with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 833 N Ridgewood Ave Daytona Beach, FL 32114 | (386) 254-8940 | — | 4.8 |
| 1352 W. International Speedway Blvd. Daytona Beach, FL 32114 | (386) 255-4660 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 1500 Beville Rd Ste. 602 Daytona Beach, FL 32114 | (386) 323-6100 | — | 4.6 |
Pawn shops near Daytona Beach
More about Daytona Beach
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.