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Pawn Shops vs Payday Loans in Naples, FL
7 pawn shops in and around Naples — 2.1 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. Naples ranks #73 of 86 Florida cities with pawn shops by shops per resident.
- Pawn shops
- 7
- Pawn shops per 100k
- 2.1
- Florida: 4.5
- Big-chain shops
- 0
- Payday & loan stores
- 6
- Population
- 335,771
Pawn shops in Naples: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Capital Pawn | 889 Airport Road South Naples, FL 34104 | — | — |
| Capital Pawn - Davis Blvd | 1933 Davis Blvd Naples, FL 34104 | (239) 774-7775 | capitalpawn.com |
| Capital Pawn - East Naples | 11226 Tamiami Trl E Naples, FL 34113 | (239) 775-5900 | capitalpawn.com |
| Capital Pawn - Golden Gate Parkway | 5555 Golden Gate Prkwy 105 Naples, FL 34116 | (239) 455-3247 | capitalpawn.com |
| Family Pawn Exchange | 1820 Airport Rd S Naples, FL 34112 | (239) 280-0418 | — |
| First Pawn Jewelry & Loan | 889 Airport Pulling Rd S Naples, FL 34104 | (239) 434-7296 | firstpawn.com |
| Pine Ridge Pawn & Jewelry | 2033 Pine Ridge Rd Naples, FL 34109 | (239) 592-5400 | pineridgepawn.com |
Pawn shops vs payday loan stores in Naples
Naples has 7 pawn shops and 6 payday, installment and title loan stores.
Pawn shops
7
2.1 per 100k residents
Payday & loan stores
6
1.8 per 100k residents
4 store chains
Biggest loan store chains in Naples: Advance America (3), ACE Cash Express (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 Naples
- 1.5%
- Pawn cost, share of monthly household income in Naples
- 1.3%
- A $400 emergency equals
- 1.6 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% |
Naples at a glance
- Median household income
- $90,059
- Florida: $75,446
- Poverty rate
- 9.6%
- Florida: 12.7%
- Households under $25,000
- 11.1%
- Florida: 15.4%
- A $400 emergency equals
- 1.6 days of income
Payday and installment loan stores in Naples
For comparison: storefront payday, installment and title lenders in Naples with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 11985 Collier Blvd., Ste. 4 Naples, FL 34116 | (239) 348-1703 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 4887 Golden Gate Parkway Naples, FL 34116 | (239) 352-4504 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 4917 Rattlesnake Hammock Rd., Unit #7 Naples, FL 34113 | (239) 732-5156 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 2642 Tamiami Trl E Naples, FL 34112 | (239) 417-2274 | — | 4.9 |
| 1410 Pine Ridge Rd Ste 21 Naples, FL 34108 | (239) 330-3875 | — | 4.4 |
| 801 Laurel Oak Dr #402 Naples, FL 34108 | (239) 228-4020 | — | 2.6 |
Pawn shops near Naples
More about Naples
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.