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Pawn Shops vs Payday Loans in Orange Park, FL
6 pawn shops in and around Orange Park — 7.2 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. Orange Park ranks #10 of 86 Florida cities with pawn shops by shops per resident.
- Pawn shops
- 6
- Pawn shops per 100k
- 7.2
- Florida: 4.5
- Big-chain shops
- 3
- Payday & loan stores
- 5
- Population
- 83,191
Pawn shops in Orange Park: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Best Deal Gun and Pawn | 1232 Blanding Blvd Ste 5 Orange Park, FL 32065 | (904) 579-4093 | bestdealgunandpawn.com |
| Cash America PawnChain | 330 Blanding Blvd Orange Park, FL 32073 | (904) 272-2030 | firstcash.com |
| Lending BearChain | 472 Blanding Blvd. Orange Park, FL 32073 | (904) 264-2300 | lendingbear.com |
| Money Bridge Pawn | 611 Blanding Blvd Orange Park, FL 32073 | (904) 375-0264 | money-bridge.com |
| Orange Park Gun & Pawn | 276 Blanding Blvd Orange Park, FL 32073 | (904) 276-4840 | bestdealgunandpawn.com |
| Value Pawn & JewelryChain | 683 Blanding Blvd Orange Park, FL 32065 | (904) 213-1119 | valuepawnandjewelry.com |
Pawn shops vs payday loan stores in Orange Park
Orange Park has 6 pawn shops and 5 payday, installment and title loan stores.
Pawn shops
6
7.2 per 100k residents
Payday & loan stores
5
6.0 per 100k residents
5 store chains
Biggest loan store chains in Orange Park: ACE Cash Express (1), Advance America (1), Lendmark Financial Services (1), Mariner Finance (1), OneMain Financial (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 Orange Park
- 1.6%
- Pawn cost, share of monthly household income in Orange Park
- 1.4%
- A $400 emergency equals
- 1.7 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% |
Orange Park at a glance
- Median household income
- $84,244
- Florida: $75,446
- Poverty rate
- 9.8%
- Florida: 12.7%
- Households under $25,000
- 10.5%
- Florida: 15.4%
- A $400 emergency equals
- 1.7 days of income
Payday and installment loan stores in Orange Park
For comparison: storefront payday, installment and title lenders in Orange Park with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 246 Blanding Blvd Orange Park, FL 32073 | (904) 276-1417 | — | 4.8 |
| 950 Blanding Blvd, Suite 2 Orange Park, FL 32065 | (904) 272-8771 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 1580 Wells Rd Ste 21-22 Orange Park, FL 32073 | (904) 602-6160 | — | 4.8 |
| 550 Wells Rd #9 Orange Park, FL 32073 | (904) 215-1285 | — | 4.8 |
| 868 Blanding Blvd Ste 132 Orange Park, FL 32065 | (904) 276-0575 | — | 4.5 |
Pawn shops near Orange Park
More about Orange Park
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.