Borrow with the facts on your side.
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 Miami, FL
98 pawn shops in and around Miami — 5.3 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. Miami ranks #31 of 86 Florida cities with pawn shops by shops per resident.
- Pawn shops
- 98
- Pawn shops per 100k
- 5.3
- Florida: 4.5
- Big-chain shops
- 14
- Payday & loan stores
- 26
- Population
- 1,849,309
Pawn shops in Miami: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| A New Hocke Shoppe | 754 NE 167th St Miami, FL 33162 | (305) 945-4999 | — |
| A1 Jewelry Loans | 8150 SW 8th St Miami, FL 33144 | (305) 967-8981 | — |
| AAA Pawnbrokers of North Miami | 14020 W Dixie Hwy North Miami, FL 33161 | (305) 899-7211 | aaapawnandguns.com |
| Advantage Pawn 2 | 19948 NW 2nd Ave Miami Gardens, FL 33169 | (305) 651-4653 | pawnsbyus.com |
| Airport Pawn & Gun | 831 NW 42nd Ave Miami, FL 33126 | (305) 643-4653 | airportpawnmiami.com |
| Airport Pawn Jewelry Guns & Gift Cards | 1038 NW 36th St Miami, FL 33127 | (305) 699-0354 | thepawnshopmiami.com |
| Americash Pawn Shop Inc | 2518 NE 2nd Ave Miami, FL 33137 | (305) 576-9608 | americashpawnshop.com |
| Andy's Don Cash | 3012 NW 2nd Ave Miami, FL 33127 | (305) 613-0294 | andysdoncash.com |
| Auto Pawn Plus | 7380 NW 8th St Miami, FL 33126 | (305) 255-2274 | autobuyerandpawn.com |
| Avalon Pawn Shop & Jewelry | 2424 NW 27th Ave Miami, FL 33142 | (786) 380-6524 | — |
| Bee Pawn North Miami | 13106 NW 7th Ave North Miami, FL 33168 | (305) 381-0984 | beepawn.com |
| Bird Road Jewelers Gun & Pawn | 8829 SW 40th St Miami, FL 33165 | (305) 559-1919 | birdroadgun.com |
| Bonded Pawn Inc | 17524 S Dixie Hwy Miami, FL 33157 | (305) 255-9586 | — |
| Cash America PawnChain | 1431 SW 107th Ave Miami, FL 33174 | (305) 225-4242 | firstcash.com |
| Cash America PawnChain | 2975 SW 8th St Miami, FL 33135 | (305) 649-2000 | cashamerica.com |
| Cash America PawnChain | 8391 Bird Rd Miami, FL 33155 | (305) 551-0787 | firstcash.com |
| Cash Inn of 27th Avenue | 8400 NW 27th Ave Miami, FL 33147 | (305) 696-1555 | cashinnjewelry.com |
| Cash Inn of 27th Avenue | 8794 NW 27th Ave Miami, FL 33147 | (305) 696-7296 | cashinnjewelry.com |
| Cash Inn South Jewelry & Pawn | 21475 S Dixie Hwy Miami, FL 33189 | (305) 251-7352 | cashinnsouth.com |
| Cash Now SM Jewelry & Pawn | 1011 SW 67th Ave Miami, FL 33144 | (786) 728-5555 | — |
| CashMart Pawn | 7290 Bird Rd Miami, FL 33155 | (305) 266-7296 | live.com |
| Ciervo De Oro Jewelry and Pawn Shop | 1675 SW 67th Ave Miami, FL 33155 | (786) 857-6132 | — |
| Corona Jewelry & Pawn | 2712 SW 137th Ave Miami, FL 33175 | (305) 220-6396 | coronajp.com |
| Country Gold Jewelry Pawn Shop | 15908 SW 137th Ave Miami, FL 33177 | (305) 251-8009 | valuepawnandjewelry.com |
| Daddy's Cash | 3033 NE 2nd Ave Miami, FL 33137 | (305) 576-7417 | 305pawnshops.com |
| Diamond Banc | 19790 W Dixie Hwy 11th Floor u003e Suite 1108 Miami, FL 33180 | (954) 323-8475 | diamondbanc.com |
| Diamond Banc | Columbus Center Floor, 1 Alhambra Plz PH, #1420 Coral Gables, FL 33134 | (786) 605-9593 | diamondbanc.com |
| Don Dinero Pawn | BETWEEN COIN LAUNDRY & HECTOR SALON, 11865 SW 26th St Ste B-3 Miami, FL 33175 | (786) 484-7296 | dondineropawn.com |
| Don-Z Cash Pawnbroker | 3678 Coral Wy Miami, FL 33145 | (305) 443-5871 | don-z-cash-pawnbroker-miami.jewelleryandgemstones.com |
| DOWNTOWN PAWN SHOP | 1528 NW 7th Ave Miami, FL 33136 | (305) 547-6166 | — |
| E & I Cash Inc | 454 NW 22nd Ave Miami, FL 33125 | (305) 817-5554 | eipawnshop.com |
| El Diamante Jewelry & Pawn | 2300 W Flagler St Miami, FL 33135 | (305) 541-1658 | eldiamantejewelryandpawn.com |
| El Diamante Jewelry and Pawn | 1983 SW 8th St Miami, FL 33135 | (305) 643-1804 | publicreputation.com |
| El Encanto Joyeria | 7467 SW 8th St Miami, FL 33144 | (305) 264-8896 | elencantojoyeria.com |
| El Indio Pawn and Jewelry | 2851 NW 7th St Miami, FL 33125 | (305) 631-1877 | elindiopawnandjewelry.com |
| Florat Jewelry and Pawn | 18507 S Dixie Hwy Cutler Bay, FL 33157 | (305) 232-3370 | — |
| Franklin Jewelry and Pawn Shop | 1136 SW 8th St Miami, FL 33130 | (305) 859-8684 | frankjoyeria.com |
| Franky's Efectivo Corp | 12344 SW 127th Ave Miami, FL 33186 | (786) 606-8511 | frankysefectivo.com |
| Gables Pawn & Jewelry | 1734 SW 57th Ave Miami, FL 33155 | (305) 262-6020 | gableswatch.com |
| Gold and Carat Exchange | 13630 SW 120th St #214 Miami, FL 33186 | (305) 252-1114 | goldandcarat.com |
| Goldstar Jewelry & Pawn | 544 NW 57th Ave Miami, FL 33126 | (305) 260-0970 | — |
| Goldstar Pawn & Jewelry | 10158 W Flagler St Miami, FL 33174 | (305) 220-1721 | doverjewelry.com |
| Hugo's Diamond & Jewelry | 4330 SW 8th St Miami, FL 33134 | (305) 648-9777 | — |
| IAC Financial CHECK Cashing & Pawn Shop | 7465 SW 8th St Miami, FL 33144 | (786) 431-1666 | iacfinancialworld.business.site |
| International Loans & Jewelers | 13200 W Dixie Hwy North Miami, FL 33161 | (305) 891-7777 | — |
| Kasper Exchange, LLC | 382 NE 191st St Miami, FL 33179 | (305) 651-5777 | kaspex.com |
| King Cash Pawn & Jewelry | 11400 W Flagler St Miami, FL 33174 | (305) 552-8611 | kingcashpawn.com |
| King Cash Pawn & Jewelry | 1717 W Flagler St Miami, FL 33135 | (305) 649-7740 | kingcashpawn.com |
| King Cash Pawn & Jewelry | 342 NE 167th St North Miami, FL 33162 | (305) 690-4271 | kingcashpawn.com |
| King Cash Pawn & Jewelry | 8795 NW 27th Ave Miami, FL 33147 | (305) 836-9956 | kingcashpawn.com |
| King Cash Pawn & Jewelry | 926 NW 36th St Miami, FL 33127 | (305) 633-1401 | kingcashpawn.com |
| La Caridad Joyeria | 1958 W Flagler St Miami, FL 33135 | (305) 541-8334 | — |
| La Familia Pawn and JewelryChain | 1823 NW 79th St Miami, FL 33147 | (305) 691-3701 | lafamiliapawn.com |
| La Familia Pawn and JewelryChain | 772 NW 79th St Miami, FL 33150 | (305) 693-3320 | lafamiliapawn.com |
| Lendoiro Jewelry and Pawn Shop | 7151 W Flagler St Miami, FL 33144 | (305) 264-7929 | lendoirojewelryandpawn.com |
| Leydi Cash Jewelry II | 14647 SW 104th St Miami, FL 33186 | (305) 385-7595 | leydicashandjewelry.com |
| Loan-Ly Pawn | 15455 W Dixie Hwy North Miami Beach, FL 33162 | (305) 944-3373 | — |
| Luanda Cash | 10308 W Flagler St Sweetwater, FL 33174 | (305) 559-0205 | luandacash.com |
| Lucky Pawn Jewelry | 10207 NW 7th Ave Miami, FL 33150 | (305) 758-0111 | 2century21pawn.com |
| Maili Pawn Shop and Jewelry | 10780 W Flagler St Miami, FL 33174 | (305) 553-6987 | milanojewelers.com |
| Mayas Pawn Shop | 3301 NW 7th St Miami, FL 33125 | (305) 541-7155 | — |
| Miami Gold Pawn Inc | 3028 NW 7th St Ste 305 Miami, FL 33125 | (305) 649-5374 | — |
| Miami Mint Gold & Coins | 8275 SW 124th St Pinecrest, FL 33156 | (305) 255-4240 | miamimint.com |
| Midtown Pawn Boutique | 261 NW 36th St Miami, FL 33127 | (305) 982-8496 | 305pawnshops.com |
| Mvp Jewelry & Pawn Shop | 1240 SW 57th Ave West Miami, FL 33144 | (305) 770-6777 | mvppawnshop.com |
| New Golden Jewelry | 2000 W Flagler St Miami, FL 33135 | (305) 643-0338 | newgoldenjewelry.com |
| Parko Jewelry And Pawn | 1701 W Flagler St Miami, FL 33135 | (305) 541-5959 | parkojewelry.com |
| Pawn Shop Miami | 2346 Ludlam Rd Miami, FL 33155 | (786) 672-5700 | pawnmiami.com |
| PAWN Thrift SHOP | 7900 NW 27th Ave Miami, FL 33147 | (619) 277-6861 | — |
| Perez Cash Joyeria Ii | 15118 SW 56th St Miami, FL 33185 | (305) 386-3338 | — |
| Presto Cash Gold Pawn Shop | 3348 Coral Way Miami, FL 33145 | (305) 529-5021 | prestopawnshop.com |
| Queen of Pawns | 2430 NW 36th St Miami, FL 33142 | (305) 635-2225 | queenofpawns.com |
| Quick Cash | 3231 NE 2nd Ave Miami, FL 33137 | (305) 576-0500 | quickcashmiami.com |
| Quik Cash Jewelry & Pawn | 7318 NW 7th Ave Miami, FL 33150 | (305) 310-0118 | quikcashpawn.com |
| Raining Cash | 765 NW 37th Ave Miami, FL 33125 | (305) 603-7104 | — |
| Sneaker Pawn Miami | 9252 SW 40th St Miami, FL 33165 | (786) 226-6126 | sneakerpawnmiami.com |
| South Dade Jewelry & Gun Exchange | 20848 S Dixie Hwy Miami, FL 33189 | (305) 238-0075 | jewelryandguns.com |
| Sunset Jewelry and Pawn | 7317 SW 97th Ave Miami, FL 33173 | (786) 360-3883 | sunsetjewelryandpawn.com |
| The Gold Bug | 9806 S Dixie Hwy Miami, FL 33156 | (305) 670-0220 | goldbugpawn.com |
| The Pawn Shop | 1038 NW 36th St Miami, FL 33127 | (305) 447-7776 | thepawnshopmiami.com |
| Tmmt Jewelry & Pawn | 7270 SW 8th St Miami, FL 33144 | (305) 780-4570 | valuepawnandjewelry.com |
| Todo Cash Inc | 1747 SW 8th St Miami, FL 33135 | (305) 541-2538 | — |
| Tropicana Jewelry and Pawnshop | 2102 NW 20th St Miami, FL 33142 | (305) 324-1786 | craccomartha.com |
| US Pawn & Jewelry | 7806 NW 7th Ave Miami, FL 33150 | (305) 836-2275 | uspawnjewelry.com |
| USA PawnChain | 7381 SW 8th St Miami, FL 33144 | (305) 266-6292 | usapawnmiami.com |
| Value Pawn & JewelryChain | 11051 NW 7th Ave Miami, FL 33168 | (305) 759-0880 | valuepawnandjewelry.com |
| Value Pawn & JewelryChain | 13505 NW 7th Ave North Miami, FL 33168 | (305) 687-2274 | valuepawnandjewelry.com |
| Value Pawn & JewelryChain | 18494 S Dixie Hwy Miami, FL 33157 | (305) 251-7585 | valuepawnandjewelry.com |
| Value Pawn & JewelryChain | 236 SW 107th Ave Sweetwater, FL 33174 | (305) 553-6863 | valuepawnandjewelry.com |
| Value Pawn & JewelryChain | 5255 NW 27th Ave Miami, FL 33142 | (305) 634-5659 | valuepawnandjewelry.com |
| Value Pawn & JewelryChain | 717 SW 17th Ave Miami, FL 33135 | (786) 220-9460 | valuepawnandjewelry.com |
| Value Pawn & JewelryChain | 7270 SW 8th St Miami, FL 33144 | (305) 261-5966 | — |
| Value Pawn & JewelryChain | 736 NW 183rd St Miami, FL 33169 | (305) 651-0200 | valuepawnandjewelry.com |
| Vaskia Gold | 7263 SW 57th Ct South Miami, FL 33143 | (305) 299-9021 | us.vaskiagold.com |
| Vice city pawn | 1199 W Flagler St #16 Miami, FL 33130 | (305) 324-6111 | vicecitypawn.com |
| West Miami Jewelry & Pawn | 6448 SW 8th St West Miami, FL 33144 | (305) 200-5994 | westmiamijewelry.com |
| Yes Cash | 2510 SW 87th Ave Miami, FL 33165 | (305) 552-1399 | — |
| Yes Cash I | 2333 NW 27th Ave Miami, FL 33142 | (305) 638-4256 | — |
Pawn shops vs payday loan stores in Miami
Miami has 98 pawn shops and 26 payday, installment and title loan stores.
Pawn shops
98
5.3 per 100k residents
Payday & loan stores
26
1.4 per 100k residents
5 store chains
Biggest loan store chains in Miami: Advance America (9), ACE Cash Express (6), Oportun (5), OneMain Financial (4), loanDepot (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 Miami
- 1.8%
- Pawn cost, share of monthly household income in Miami
- 1.6%
- A $400 emergency equals
- 2.0 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% |
Miami at a glance
- Median household income
- $73,852
- Florida: $75,446
- Poverty rate
- 14.5%
- Florida: 12.7%
- Households under $25,000
- 17.9%
- Florida: 15.4%
- A $400 emergency equals
- 2.0 days of income
Payday and installment loan stores in Miami
For comparison: storefront payday, installment and title lenders in Miami with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 10731 West Flagler St. Miami, FL 33174 | (305) 207-1697 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 11865 SW 26th St., A6 Miami, FL 33175 | (305) 221-6144 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 15102 SW 72nd St. Miami, FL 33193 | (305) 386-4410 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 19750 S. Dixie Hwy. Miami, FL 33157 | (305) 254-1910 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 20318 NW 2nd Ave., #5 Miami, FL 33169 | (305) 651-2280 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 2964 SW 8th Street Miami, FL 33135 | (305) 649-8190 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 755 NE 167th St. North Miami Beach, FL 33162 | (305) 651-5574 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 8300 NW 27th Ave. Miami, FL 33147 | (305) 836-2092 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 900 SW 67th Ave., Ste. 35 Miami, FL 33144 | (305) 265-1112 | 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 NE 163rd St North Miami Beach, FL 33162 | (305) 948-3382 | — | 4.9 |
| 14546 W Dixie Hwy Miami, FL 33161 | (305) 956-3435 | — | 4.9 |
| 3715a NW 7th St Miami, FL 33126 | (305) 541-4222 | — | 4.9 |
| 700 NW 79th St Miami, FL 33150 | (305) 836-5556 | — | 4.8 |
| 712 SW 17th Ave Miami, FL 33135 | (305) 643-4084 | — | 5.0 |
| 7921 Biscayne Blvd Miami, FL 33138 | (305) 758-8526 | — | 4.9 |
| 11324 Quail Roost Dr Miami, FL 33157 | (786) 838-4285 | — | 4.9 |
| 1844 SW 8th St Miami, FL 33135 | (866) 488-6090 | — | 4.9 |
| 3709 W Flagler St Miami, FL 33134 | (866) 488-6090 | — | 5.0 |
| 5753 NW 7th St Miami, FL 33126 | (786) 429-0704 | — | 5.0 |
| 8335 W Flagler St Miami, FL 33144 | (786) 465-7505 | — | 5.0 |
| 11900 Biscayne Blvd Ste 801 North Miami, FL 33181 | (305) 692-0928 | — | 5.0 |
| 13011 N Kendall Dr Miami, FL 33186 | (786) 292-8957 | — | 4.8 |
| 20561 Old Cutler Rd Cutler Bay, FL 33189 | (305) 909-0002 | — | 4.6 |
| 8247 W Flagler St Miami, FL 33144 | (305) 262-4670 | — | 4.8 |
| 8603 S Dixie Hwy #302 Miami, FL 33143 | (813) 523-4900 | — | — |
| Floor PH, 121 Alhambra Plz office #1435 Coral Gables, FL 33134 | (786) 610-7250 | — | 4.2 |
Pawn shops near Miami
More about Miami
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.