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Pawn Shops vs Payday Loans in Ocala, FL
10 pawn shops in and around Ocala — 3.9 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. Ocala ranks #49 of 86 Florida cities with pawn shops by shops per resident.
- Pawn shops
- 10
- Pawn shops per 100k
- 3.9
- Florida: 4.5
- Big-chain shops
- 1
- Payday & loan stores
- 7
- Population
- 253,459
Pawn shops in Ocala: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| American Pawn | 14 SW 1st Ave Ocala, FL 34471 | (352) 629-7891 | americanpawnocala.com |
| Classic Pawn & Gun | 33 NW 10th St Ocala, FL 34475 | (352) 690-2274 | classicpawngun.com |
| Clayton's Pawn & Tool Llc | 506 NW 9th St Ocala, FL 34475 | (352) 351-1168 | claytonspawnandtool.com |
| Hurricane Pawn | 128 Marion Oaks Blvd Ocala, FL 34473 | (352) 203-4079 | hurricanepawn.com |
| Jerry's Pawn and Gun | 404 NW 8th St Ocala, FL 34475 | (352) 622-3780 | jerrysonline.com |
| Mark's Jewelry & Pawn of Ocala | 729 NW 10th St Ocala, FL 34475 | (352) 622-9494 | markspawn.com |
| Respawn Replay | 9264 Se Maricamp Rd Ste 10 Ocala, FL 34472 | — | respawnandreplay.com |
| Shores Pawn and Jewelry | 7073 SE Maricamp Rd Ocala, FL 34472 | (352) 687-8228 | shorespj.com |
| Value Pawn & JewelryChain | 315 S Pine Ave Ocala, FL 34471 | (352) 732-4848 | valuepawnandjewelry.com |
| Walt's Pawn and Jewelry Buyer | 315 E Silver Springs Blvd Ocala, FL 34470 | (352) 401-0077 | waltspawn.com |
Pawn shops vs payday loan stores in Ocala
Ocala has 10 pawn shops and 7 payday, installment and title loan stores.
Pawn shops
10
3.9 per 100k residents
Payday & loan stores
7
2.8 per 100k residents
4 store chains
Biggest loan store chains in Ocala: ACE Cash Express (2), 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 Ocala
- 2.2%
- Pawn cost, share of monthly household income in Ocala
- 2.0%
- A $400 emergency equals
- 2.4 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% |
Ocala at a glance
- Median household income
- $61,211
- Florida: $75,446
- Poverty rate
- 14.0%
- Florida: 12.7%
- Households under $25,000
- 17.5%
- Florida: 15.4%
- A $400 emergency equals
- 2.4 days of income
Payday and installment loan stores in Ocala
For comparison: storefront payday, installment and title lenders in Ocala with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1610 S Pine Ave Ocala, FL 34471 | (352) 629-0233 | — | 4.7 |
| 2400 SW College Rd Ste 102 Ocala, FL 34471 | (352) 861-1820 | — | 4.9 |
| 2750 E. Silver Springs Blvd., Ste. 102 Ocala, FL 34470 | (352) 732-0754 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 3131 SW College Rd., Ste. 302 Ocala, FL 34474 | (352) 861-2600 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 2800 SW 24th Ave #104 Ocala, FL 34471 | (352) 291-0267 | — | 4.3 |
| 4901 E Silver Springs Blvd #308 Ocala, FL 34470 | (352) 624-0326 | — | 4.6 |
| 2019 E Silver Springs Blvd Ste 101A Ocala, FL 34470 | (352) 694-9195 | — | 4.8 |
Pawn shops near Ocala
More about Ocala
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.