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 Gainesville, FL
8 pawn shops in and around Gainesville — 3.6 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. Gainesville ranks #60 of 86 Florida cities with pawn shops by shops per resident.
- Pawn shops
- 8
- Pawn shops per 100k
- 3.6
- Florida: 4.5
- Big-chain shops
- 1
- Payday & loan stores
- 8
- Population
- 224,073
Pawn shops in Gainesville: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| B & W Gold N' Pawn | 1602 NE Waldo Rd Gainesville, FL 32609 | (352) 377-4258 | — |
| Best Jewelry & Loan | 523 NW 3rd Ave Gainesville, FL 32601 | (352) 371-4367 | bestjewelryandloan.com |
| Gainesville Pawn and Gun | 4917 NW 34th Blvd Gainesville, FL 32605 | (352) 240-6452 | linktr.ee |
| Midtown Jewelry & Loans | 1315 NW 16th Ave Gainesville, FL 32605 | (352) 374-4653 | midtownjewelryandloans.com |
| Oaks Jewelry | 6702 W Newberry Rd Gainesville, FL 32605 | (352) 332-7529 | oaksjewelry.com |
| Oaks Pawn South | 2530 SW 34th St Gainesville, FL 32608 | (352) 335-1333 | oakspawn.com |
| TBGoods | 325 NE 23rd Ave Gainesville, FL 32609 | (352) 375-0024 | tbgoods.com |
| Value Pawn & JewelryChain | 2360 N Main St Gainesville, FL 32609 | (352) 375-2138 | valuepawnandjewelry.com |
Pawn shops vs payday loan stores in Gainesville
Gainesville has 8 pawn shops and 8 payday, installment and title loan stores.
Pawn shops
8
3.6 per 100k residents
Payday & loan stores
8
3.6 per 100k residents
5 store chains
Biggest loan store chains in Gainesville: ACE Cash Express (2), Advance America (2), OneMain Financial (2), 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 Gainesville
- 2.3%
- Pawn cost, share of monthly household income in Gainesville
- 2.1%
- A $400 emergency equals
- 2.5 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% |
Gainesville at a glance
- Median household income
- $58,385
- Florida: $75,446
- Poverty rate
- 22.6%
- Florida: 12.7%
- Households under $25,000
- 23.5%
- Florida: 15.4%
- A $400 emergency equals
- 2.5 days of income
Payday and installment loan stores in Gainesville
For comparison: storefront payday, installment and title lenders in Gainesville with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1538 NW 6th St Gainesville, FL 32601 | (352) 373-0062 | — | 4.5 |
| 806 NE Waldo Rd Gainesville, FL 32641 | (352) 373-6909 | — | 4.9 |
| 2026 SW 34th St. Gainesville, FL 32608 | (352) 378-0184 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 2406 N. Main Street Gainesville, FL 32609 | (352) 373-9992 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 1112 NW 76th Blvd Gainesville, FL 32606 | (352) 331-4776 | — | 4.7 |
| 5174 SW 34th St Gainesville, FL 32608 | (352) 372-4400 | — | 4.4 |
| 1240 NW 76th Blvd Gainesville, FL 32606 | (352) 316-7445 | — | 4.8 |
| 1121 NW 76th Blvd Gainesville, FL 32606 | (352) 332-7854 | — | 4.7 |
Pawn shops near Gainesville
More about Gainesville
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.