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Pawn Shops vs Payday Loans in Kissimmee, FL
15 pawn shops in and around Kissimmee — 4.5 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. Kissimmee ranks #43 of 86 Florida cities with pawn shops by shops per resident.
- Pawn shops
- 15
- Pawn shops per 100k
- 4.5
- Florida: 4.5
- Big-chain shops
- 12
- Payday & loan stores
- 8
- Population
- 332,346
Pawn shops in Kissimmee: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Cash America PawnChain | 1712 W Vine St Kissimmee, FL 34741 | (407) 931-0200 | find.cashamerica.us |
| Cash America PawnChain | 2254 E Irlo Bronson Memorial Hwy Kissimmee, FL 34744 | (407) 933-8897 | cashamerica.com |
| Kissimmee Pawn Shop | 2003 N Main St Kissimmee, FL 34744 | (407) 847-6699 | kissimmeepawnshop.com |
| La Familia Pawn and JewelryChain | 1555 S Hoagland Blvd Kissimmee, FL 34746 | (407) 847-9600 | lafamiliapawn.com |
| La Familia Pawn and JewelryChain | 1555 South Hoagland Boulevard Kissimmee, FL 34741 | (407) 847-9600 | lafamiliapawn.com |
| La Familia Pawn and JewelryChain | 1950 Osceola Pkwy Kissimmee, FL 34743 | (407) 350-4218 | lafamiliapawn.com |
| La Familia Pawn and JewelryChain | 3615 W Vine St Kissimmee, FL 34741 | (407) 483-5879 | lafamiliapawn.com |
| La Familia Pawn and JewelryChain | 4006 W Vine St Kissimmee, FL 34741 | (407) 201-3578 | lafamiliapawn.com |
| Pawn AmericaChain | 611 W Vine St Ste M Kissimmee, FL 34741 | (407) 846-7115 | — |
| Queen Of Pawns | 1700 W Vine St Kissimmee, FL 34741 | (407) 201-3930 | queenofpawns.com |
| Simple Pawn | 3336 S Orange Blossom Trl Kissimmee, FL 34746 | (407) 846-1667 | simplepawnshop.com |
| Value Pawn & JewelryChain | 1707 W Vine St Kissimmee, FL 34741 | (407) 518-9922 | valuepawnandjewelry.com |
| Value Pawn & JewelryChain | 1924 N Main St Kissimmee, FL 34744 | (407) 847-6565 | valuepawnandjewelry.com |
| Value Pawn & JewelryChain | 2626 Simpson Rd Kissimmee, FL 34744 | (407) 348-2790 | valuepawnandjewelry.com |
| Value Pawn & JewelryChain | 4770 W Irlo Bronson Memorial Hwy Kissimmee, FL 34746 | (407) 396-1880 | valuepawnandjewelry.com |
Pawn shops vs payday loan stores in Kissimmee
Kissimmee has 15 pawn shops and 8 payday, installment and title loan stores.
Pawn shops
15
4.5 per 100k residents
Payday & loan stores
8
2.4 per 100k residents
4 store chains
Biggest loan store chains in Kissimmee: ACE Cash Express (3), Advance America (2), OneMain Financial (2), 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 Kissimmee
- 2.0%
- Pawn cost, share of monthly household income in Kissimmee
- 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% |
Kissimmee at a glance
- Median household income
- $64,631
- Florida: $75,446
- Poverty rate
- 13.9%
- Florida: 12.7%
- Households under $25,000
- 16.0%
- Florida: 15.4%
- A $400 emergency equals
- 2.3 days of income
Payday and installment loan stores in Kissimmee
For comparison: storefront payday, installment and title lenders in Kissimmee with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1005 W Vine St Kissimmee, FL 34741 | (407) 847-5289 | — | 4.7 |
| 1948 Osceola Pkwy Kissimmee, FL 34743 | (407) 344-0604 | — | 5.0 |
| 3283 S John Young Pkwy d Kissimmee, FL 34746 | (407) 870-5023 | — | 4.9 |
| 1345 East Vine Street Kissimmee, FL 34744 | (407) 518-7474 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 1369 E. Osceola Pkwy. Kissimmee, FL 34744 | (407) 847-3815 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 1333 E Vine St Kissimmee, FL 34744 | (407) 931-3322 | — | 4.2 |
| 4769 W Irlo Bronson Memorial Hwy A Kissimmee, FL 34746 | (407) 982-2766 | — | 4.0 |
| 3263 S John Young Pkwy Kissimmee, FL 34746 | (407) 932-1107 | — | 4.8 |
Pawn shops near Kissimmee
More about Kissimmee
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.