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Pawn Shops vs Payday Loans in Largo, FL
7 pawn shops in and around Largo — 6.6 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. Largo ranks #14 of 86 Florida cities with pawn shops by shops per resident.
- Pawn shops
- 7
- Pawn shops per 100k
- 6.6
- Florida: 4.5
- Big-chain shops
- 1
- Payday & loan stores
- 2
- Population
- 105,903
Pawn shops in Largo: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Double Eagle Jewelry and Pawn | 11115 Seminole Blvd Largo, FL 33778 | (727) 391-0129 | double-eaglepawn.com |
| Go Pawn | 7500 Ulmerton Rd unit 13 Largo, FL 33771 | (727) 519-0799 | go-pawn.com |
| loan Star Pawn Largo | 2705 E Bay Dr Largo, FL 33771 | (727) 535-8867 | — |
| Patriot Gun and Pawn | 10510 Seminole Blvd Largo, FL 33778 | (727) 475-7966 | patriotgunandpawn.com |
| Pawn Depot | 12897 62nd St N Largo, FL 33773 | (727) 539-8060 | — |
| Tim's Trading Post and Pawn | 1758 Missouri Ave N Largo, FL 33770 | (727) 239-7250 | timstradingpostandpawn.com |
| Value Pawn & JewelryChain | 950 Missouri Ave N Largo, FL 33770 | (727) 584-1200 | valuepawnandjewelry.com |
Pawn shops vs payday loan stores in Largo
Largo has 7 pawn shops and 2 payday, installment and title loan stores.
Pawn shops
7
6.6 per 100k residents
Payday & loan stores
2
1.9 per 100k residents
1 store chain
Biggest loan store chains in Largo: ACE Cash Express (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 Largo
- 2.0%
- Pawn cost, share of monthly household income in Largo
- 1.8%
- A $400 emergency equals
- 2.2 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% |
Largo at a glance
- Median household income
- $65,556
- Florida: $75,446
- Poverty rate
- 11.1%
- Florida: 12.7%
- Households under $25,000
- 16.6%
- Florida: 15.4%
- A $400 emergency equals
- 2.2 days of income
Payday and installment loan stores in Largo
For comparison: storefront payday, installment and title lenders in Largo with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1420 Missouri Ave N Largo, FL 33770 | (727) 559-7164 | — | 4.7 |
| 3430 E Bay Dr Largo, FL 33771 | (727) 524-1690 | — | 4.7 |
Pawn shops near Largo
More about Largo
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.