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Pawn Shops vs Payday Loans in Lakeland, FL
17 pawn shops in and around Lakeland — 6.3 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. Lakeland ranks #19 of 86 Florida cities with pawn shops by shops per resident.
- Pawn shops
- 17
- Pawn shops per 100k
- 6.3
- Florida: 4.5
- Big-chain shops
- 5
- Payday & loan stores
- 6
- Population
- 269,002
Pawn shops in Lakeland: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Absolute Pawn | 1003 N Combee Rd Lakeland, FL 33801 | (863) 668-7296 | absolutepawnfl.com |
| Absolute Pawn | 834 N Wabash Ave Lakeland, FL 33815 | (863) 937-9895 | absolutepawnfl.com |
| Cash America PawnChain | 4694 US Highway 98 N Lakeland, FL 33809 | (863) 868-0030 | firstcash.com |
| Cash America PawnChain | 915 E Memorial Blvd Lakeland, FL 33801 | (863) 683-6337 | firstcash.com |
| Cash Money Records | 915 E Memorial Blvd Lakeland, FL 33801 | (407) 779-3294 | — |
| Family Pawn & Jewelry | 4217 S Florida Ave Lakeland, FL 33813 | (863) 619-6105 | familypawnlakeland.com |
| GC Pawn Lakeland | 1555 S Combee Rd Lakeland, FL 33801 | (863) 940-8777 | gcpawnandgun.com |
| La Familia Pawn and JewelryChain | 5359 Florida Avenue South Lakeland, FL 33813 | (863) 646-5797 | lafamiliapawn.com |
| MaxPay Pawn | 646 N Combee Rd Lakeland, FL 33801 | (863) 940-9852 | maxpaypawn.com |
| MFD Pawn and Jewelry | 3250 Kathleen Rd Lakeland, FL 33810 | (863) 858-9397 | mfdpawnandjewelry.com |
| Quick Cash Liquidators | 106 S Fern Rd Lakeland, FL 33801 | (863) 430-5896 | sellmygoldlakeland.info |
| South Combee Pawn | 1710 S Combee Rd Lakeland, FL 33801 | (863) 665-7395 | — |
| South Florida Gun and Pawn | 844 Florida Ave S Lakeland, FL 33801 | (863) 688-0498 | ebay.com |
| V I P Pawn & Gun | 2201 S Combee Rd Lakeland, FL 33801 | (863) 937-8022 | vippawnandgun.com |
| Value Pawn & JewelryChain | 2942 US Hwy 98 N Lakeland, FL 33805 | (863) 802-0245 | valuepawnandjewelry.com |
| Value Pawn & JewelryChain | 606 E Memorial Blvd Lakeland, FL 33801 | (863) 603-0846 | valuepawnandjewelry.com |
| West Coast Pawn & Gun | 5619 US Highway 98 N Lakeland, FL 33809 | (863) 816-5830 | westcoastpawn.com |
Pawn shops vs payday loan stores in Lakeland
Lakeland has 17 pawn shops and 6 payday, installment and title loan stores.
Pawn shops
17
6.3 per 100k residents
Payday & loan stores
6
2.2 per 100k residents
5 store chains
Biggest loan store chains in Lakeland: Advance America (2), Lendmark Financial Services (1), Mariner Finance (1), 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 Lakeland
- 1.9%
- Pawn cost, share of monthly household income in Lakeland
- 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% |
Lakeland at a glance
- Median household income
- $70,171
- Florida: $75,446
- Poverty rate
- 12.8%
- Florida: 12.7%
- Households under $25,000
- 15.4%
- Florida: 15.4%
- A $400 emergency equals
- 2.1 days of income
Payday and installment loan stores in Lakeland
For comparison: storefront payday, installment and title lenders in Lakeland with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1283 Ariana Street Lakeland, FL 33803 | (863) 683-2650 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 2614 Lakeland Hills Blvd., #3 Lakeland, FL 33805 | (863) 687-4297 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 6595 Florida Ave S Ste 7 Lakeland, FL 33813 | (863) 510-7890 | — | 5.0 |
| 4015 Florida Ave S Lakeland, FL 33813 | (863) 709-1403 | — | 4.8 |
| 3615 Florida Ave S #1200 Lakeland, FL 33803 | (863) 644-5936 | — | 4.2 |
| 100 S Kentucky Ave Lakeland, FL 33801 | (407) 985-7810 | — | 5.0 |
Pawn shops near Lakeland
More about Lakeland
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.