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Pawn Shops vs Payday Loans in Jacksonville, FL
52 pawn shops in and around Jacksonville — 5.5 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. Jacksonville ranks #28 of 86 Florida cities with pawn shops by shops per resident.
- Pawn shops
- 52
- Pawn shops per 100k
- 5.5
- Florida: 4.5
- Big-chain shops
- 30
- Payday & loan stores
- 32
- Population
- 945,632
Pawn shops in Jacksonville: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Cash America PawnChain | 1744 N Main St Jacksonville, FL 32206 | (904) 354-4836 | cashamerica.com |
| Cash America PawnChain | 3636 N Main St Jacksonville, FL 32206 | (904) 354-5800 | find.cashamerica.us |
| Cash America PawnChain | 4460 Blanding Blvd Jacksonville, FL 32210 | (904) 778-0088 | find.cashamerica.us |
| Cash America PawnChain | 5104 Normandy Blvd Jacksonville, FL 32205 | (904) 693-0079 | firstcash.com |
| Cash America PawnChain | 5143 University Blvd W Jacksonville, FL 32216 | (904) 730-0912 | firstcash.com |
| Cash America PawnChain | 5308 Beach Blvd Jacksonville, FL 32207 | (904) 396-5025 | cashamerica.com |
| Cash America PawnChain | 6999 Merrill Rd Jacksonville, FL 32277 | (904) 900-4670 | fastestcashadvanced.com |
| Cash America PawnChain | 7640 Atlantic Blvd Jacksonville, FL 32211 | (904) 721-2555 | firstcash.com |
| Cash America PawnChain | 8118 Lem Turner Rd Jacksonville, FL 32208 | (904) 766-2330 | firstcash.com |
| Cash America PawnChain | 910 Edgewood Ave N Jacksonville, FL 32254 | (904) 381-1920 | firstcash.com |
| Cash City Pawn | 1516 Leonid Rd Jacksonville, FL 32218 | (904) 757-8888 | cashcitypawn.com |
| Dunn pawn | 10694 Biscayne Blvd Jacksonville, FL 32218 | (904) 751-3006 | dunnpawncarstereo.placeweb.site |
| EZPAWNChain | 1335 Edgewood Ave W Jacksonville, FL 32208 | (904) 764-1151 | locations.ezpawn.com |
| EZPAWNChain | 4753 Blanding Blvd Jacksonville, FL 32210 | — | ezpawn.com |
| Free Cash Pawn and Loan | 8252 103rd St Jacksonville, FL 32210 | (904) 374-3219 | freecashpawn.com |
| Gold & Coin Jax | 11233 Beach Blvd Jacksonville, FL 32246 | (904) 721-9888 | jmbullion.com |
| Gold Star Jewelry & Pawn | 6066 St Augustine Rd Jacksonville, FL 32217 | (904) 730-2025 | goldstarjax.com |
| Jax Jewelry & Pawn | 5211 Blanding Blvd Jacksonville, FL 32210 | (904) 777-3161 | goldnpawn.com |
| Jax Jewelry & Pawn | 972 Cassat Ave Jacksonville, FL 32205 | (904) 379-4743 | — |
| Jax Jewelry & Pawn II | 517 Cassat Ave Jacksonville, FL 32254 | (904) 551-4983 | goldnpawn.com |
| Jimmy's Jewelry & Pawn | 11018 Old Saint Augustine Rd Jacksonville, FL 32257 | (904) 292-1001 | jjp3.com |
| JSO Pawnshop Unit | 501 E Bay St Jacksonville, FL 32202 | (904) 630-2175 | — |
| Lending BearChain | 1680 Dunn Ave 46 Jacksonville, FL 32218 | (904) 714-4578 | lendingbear.com |
| Lending BearChain | 4329 Blanding Blvd Jacksonville, FL 32210 | (904) 573-6002 | lendingbear.com |
| Lending BearChain | 6016 St. Augustine Rd Jacksonville, FL 32217 | (904) 636-5520 | lendingbear.com |
| Lending BearChain | 7935 Lem Turner Rd Jacksonville, FL 32208 | (904) 768-5576 | lendingbear.com |
| Lending BearChain | 8011-16 Merrill Rd Jacksonville, FL 32277 | (904) 744-5844 | lendingbear.com |
| Lending BearChain | 9965-56 San Jose Blvd Jacksonville, FL 32257 | (904) 260-9170 | lendingbear.com |
| Mikal's Jewelry & Pawn | 3000 Dunn Ave Ste 42 Jacksonville, FL 32218 | (904) 768-1662 | buya.com |
| Money Bridge Pawn & Loan, Inc. | 11349 San Jose Blvd Jacksonville, FL 32223 | (904) 683-9936 | — |
| Money Mizer Pawn & Jewelers Jacksonville | 6677 Blanding Blvd Jacksonville, FL 32244 | (904) 778-1200 | moneymizerpawn.com |
| Money Mizer Pawns And Jewelers Of Jacksonville, Fl (acme) | 7 Acme St Jacksonville, FL 32211 | (904) 726-9004 | moneymizerpawn.com |
| Partners Pawn - Jacksonville | 6361 103rd St Jacksonville, FL 32210 | (904) 683-9453 | — |
| Pawn Smart | 10030 Atlantic Blvd Jacksonville, FL 32225 | (904) 503-7081 | weloanmore.com |
| PCL Group | 225 Water St #1575 Jacksonville, FL 32202 | (904) 544-9031 | pclgroupusa.com |
| Prestige Jewelry & Pawn | 2640 Cesery Blvd Jacksonville, FL 32211 | (904) 745-1449 | prestigejewelryandpawnjax.com |
| Regency Pawn Guns & Gold | 10236 Atlantic Blvd Jacksonville, FL 32225 | (904) 725-2274 | regencypawngunsandgold.com |
| Regency Pawn Inc. | 11233 Beach Blvd Jacksonville, FL 32246 | (904) 240-1655 | — |
| River City Jewelry & Pawn | 3000 Dunn Ave Ste 37 Jacksonville, FL 32218 | — | — |
| Treasure Chest Jewelry Pawn & Gun | 2303 Cassat Ave Jacksonville, FL 32210 | (904) 389-7296 | treasurechestimports.com |
| USA PawnChain | 6132 Merrill Rd Ste 1 Jacksonville, FL 32277 | (904) 745-5444 | usapawnfl.com |
| Value Pawn & JewelryChain | 10039 Atlantic Blvd Jacksonville, FL 32225 | (904) 724-8993 | valuepawnandjewelry.com |
| Value Pawn & JewelryChain | 10771 Beach Blvd Jacksonville, FL 32246 | (904) 565-8472 | valuepawnandjewelry.com |
| Value Pawn & JewelryChain | 1403 Dunn Ave Jacksonville, FL 32218 | (904) 696-1999 | valuepawnandjewelry.com |
| Value Pawn & JewelryChain | 4420 Blanding Blvd Jacksonville, FL 32210 | (904) 317-3117 | valuepawnandjewelry.com |
| Value Pawn & JewelryChain | 4753 Blanding Blvd Jacksonville, FL 32210 | (904) 777-1025 | valuepawnandjewelry.com |
| Value Pawn & JewelryChain | 5553 Beach Blvd Jacksonville, FL 32207 | (904) 399-5788 | valuepawnandjewelry.com |
| Value Pawn & JewelryChain | 5706 University Blvd W Jacksonville, FL 32216 | (904) 731-9996 | valuepawnandjewelry.com |
| Value Pawn & JewelryChain | 5741 N Main St Jacksonville, FL 32208 | (904) 355-5550 | valuepawnandjewelry.com |
| Value Pawn & JewelryChain | 7791 Normandy Blvd Jacksonville, FL 32221 | (904) 695-9333 | valuepawnandjewelry.com |
| Value Pawn & JewelryChain | 8075 Atlantic Blvd Jacksonville, FL 32211 | (904) 805-0035 | valuepawnandjewelry.com |
| Value Pawn & JewelryChain | 905 Edgewood Ave N Jacksonville, FL 32254 | (904) 384-4848 | valuepawnandjewelry.com |
Pawn shops vs payday loan stores in Jacksonville
Jacksonville has 52 pawn shops and 32 payday, installment and title loan stores.
Pawn shops
52
5.5 per 100k residents
Payday & loan stores
32
3.4 per 100k residents
6 store chains
Biggest loan store chains in Jacksonville: ACE Cash Express (11), Advance America (11), OneMain Financial (5), Mariner Finance (2), Oportun (2).
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 Jacksonville
- 1.9%
- Pawn cost, share of monthly household income in Jacksonville
- 1.7%
- A $400 emergency equals
- 2.1 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% |
Jacksonville at a glance
- Median household income
- $68,687
- Florida: $75,446
- Poverty rate
- 15.2%
- Florida: 12.7%
- Households under $25,000
- 17.2%
- Florida: 15.4%
- A $400 emergency equals
- 2.1 days of income
Payday and installment loan stores in Jacksonville
For comparison: storefront payday, installment and title lenders in Jacksonville with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 10152 Atlantic Blvd Jacksonville, FL 32225 | (904) 725-7733 | — | 4.9 |
| 1036 Dunn Ave Ste 50 Jacksonville, FL 32218 | (904) 751-6999 | — | 4.9 |
| 2261 Edgewood Ave W Ste 17 Jacksonville, FL 32209 | (904) 764-4394 | — | 4.8 |
| 3543 Kingston St Jacksonville, FL 32254 | (904) 781-5299 | — | 4.8 |
| 5124 Blanding Blvd Jacksonville, FL 32210 | (904) 771-4461 | — | 4.7 |
| 5631 University Blvd W Jacksonville, FL 32216 | (904) 733-9280 | — | 4.8 |
| 5751 N Main St Ste 110 Jacksonville, FL 32208 | (904) 355-4031 | — | 4.9 |
| 6030 Merrill Rd Jacksonville, FL 32277 | (904) 744-9128 | — | 4.8 |
| 7200 Normandy Blvd Ste 9 Jacksonville, FL 32205 | (904) 378-1561 | — | 4.7 |
| 946 Cassat Ave Jacksonville, FL 32205 | (904) 786-7226 | — | 4.9 |
| 9741 San Jose Blvd Jacksonville, FL 32257 | (904) 880-5745 | — | 4.8 |
| 1020-14 N. Edgewood Ave. Jacksonville, FL 32254 | (904) 781-7075 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 11018 Old St. Augustine Rd., Suite 119 Jacksonville, FL 32257 | (904) 260-1450 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 1124 Dunn Ave. Jacksonville, FL 32218 | (904) 757-2228 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 12777 Atlantic Blvd., Unit 3 Jacksonville, FL 32225 | (904) 220-1204 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 3000 Dunn Avenue, Unit #66 Jacksonville, FL 32218 | (904) 765-7100 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 5324 Blanding Blvd., Ste. 7 Jacksonville, FL 32210 | (904) 777-3373 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 6251 Argyle Forest Blvd, Ste 108 Jacksonville, FL 32244 | (904) 779-3919 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 7001 Merrill Rd., Ste. 33 Jacksonville, FL 32277 | (904) 744-9598 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 7961 Normandy Blvd., #2 Jacksonville, FL 32221 | (904) 781-1650 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 8595 Beach Blvd, #350 Jacksonville, FL 32216 | (904) 646-9731 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 9550 Baymeadows Road, Ste. 6 Jacksonville, FL 32256 | (904) 733-2898 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 1300 Riverplace Blvd Ste 615 Jacksonville, FL 32207 | (904) 781-1408 | — | 4.3 |
| 1795 Kernan Blvd S Ste 103 Jacksonville, FL 32246 | (904) 642-1535 | — | 4.6 |
| 3980 Southside Blvd #205 Jacksonville, FL 32216 | (904) 641-4006 | — | 4.3 |
| 8102 Blanding Blvd Ste 7 Jacksonville, FL 32244 | (904) 778-7681 | — | 4.4 |
| 840 Nautica Dr #105 Jacksonville, FL 32218 | (904) 384-4349 | — | 4.1 |
| 11160 Beach Blvd #131 Jacksonville, FL 32246 | (904) 805-8616 | — | 4.8 |
| 900 Dunn Ave Ste 20 Jacksonville, FL 32218 | (904) 528-2175 | — | 4.9 |
| 10771 Beach Blvd Jacksonville, FL 32246 | (904) 586-3138 | — | 4.9 |
| 6001 Argyle Forest Blvd #37 Jacksonville, FL 32244 | (866) 488-6090 | — | 5.0 |
| 4875 Belfort Rd #130 Jacksonville, FL 32256 | (904) 639-5571 | — | 5.0 |
Pawn shops near Jacksonville
More about Jacksonville
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.