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Pawn Shops vs Payday Loans in Fort Myers, FL
13 pawn shops in and around Fort Myers — 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. Fort Myers ranks #40 of 86 Florida cities with pawn shops by shops per resident.
- Pawn shops
- 13
- Pawn shops per 100k
- 4.7
- Florida: 4.5
- Big-chain shops
- 1
- Payday & loan stores
- 4
- Population
- 277,374
Pawn shops in Fort Myers: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Capital Pawn - Fort Myers | 4786 Palm Beach Blvd Fort Myers, FL 33905 | (239) 689-4655 | capitalpawn.com |
| Cash America PawnChain | 2291 Cleveland Ave Fort Myers, FL 33901 | (239) 337-3769 | firstcash.com |
| Cash Kingdom | 3838 Cleveland Ave Fort Myers, FL 33901 | (239) 237-2837 | cashkingdom.net |
| Fort Myers House of Pawn | 3441 Colonial Blvd #4 Fort Myers, FL 33966 | (239) 600-7047 | — |
| Gulf Coast Jewelry and Loan | 12123 S Cleveland Ave Fort Myers, FL 33907 | (239) 931-3168 | gulfcoastjewelryandloan.com |
| Larry's Estate Jewelry & Pawn | 3316 Cleveland Ave Fort Myers, FL 33901 | (239) 939-3633 | larryspawnshop.com |
| Larry's Ft Myers Estate Jewelry & Pawn Inc | 2400 Fowler St Fort-Myers, FL 33901 | (239) 204-2320 | larryspawnshop.com |
| Larry's Pawn | 19059 S Tamiami Trl Fort Myers, FL 33908 | (239) 415-7296 | larryspawnshop.com |
| Larry's Pawn & Jewelry - Riverdale | 14120 Palm Beach Blvd Fort-Myers, FL 33905 | (844) 795-9625 | larryspawnshop.com |
| Larry's Pawn - Page Field | 11430 S Cleveland Ave Fort Myers, FL 33907 | (239) 277-1116 | — |
| Larry's Pawn East | 4730 Palm Beach Blvd Fort Myers, FL 33905 | (239) 693-7296 | — |
| San Carlos Estate Jewelry and Pawn | 19143 S Tamiami Trl Fort Myers, FL 33908 | (239) 267-5626 | sancarlospawn.com |
| Sunshine Gold and Loan | 16520 S Tamiami Trl #144 Fort Myers, FL 33908 | (239) 288-6131 | sunshinepawn.com |
Pawn shops vs payday loan stores in Fort Myers
Fort Myers has 13 pawn shops and 4 payday, installment and title loan stores.
Pawn shops
13
4.7 per 100k residents
Payday & loan stores
4
1.4 per 100k residents
3 store chains
Biggest loan store chains in Fort Myers: Advance America (2), 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 Fort Myers
- 1.8%
- Pawn cost, share of monthly household income in Fort Myers
- 1.6%
- A $400 emergency equals
- 2.0 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% |
Fort Myers at a glance
- Median household income
- $72,895
- Florida: $75,446
- Poverty rate
- 12.7%
- Florida: 12.7%
- Households under $25,000
- 15.5%
- Florida: 15.4%
- A $400 emergency equals
- 2.0 days of income
Payday and installment loan stores in Fort Myers
For comparison: storefront payday, installment and title lenders in Fort Myers with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 11485 South Cleveland Ave., Ste. 2 Fort Myers, FL 33907 | (239) 931-9837 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 3244 Cleveland Avenue Fort Myers, FL 33901 | (239) 278-5028 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 9861 Bernwood Pl Dr #170 Fort Myers, FL 33966 | (239) 939-5055 | — | 3.5 |
| 12800 University Dr Ste 330, Ste 330 Fort Myers, FL 33907 | (239) 201-4150 | — | 4.3 |
Pawn shops near Fort Myers
More about Fort Myers
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.