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Pawn Shops vs Payday Loans in Pensacola, FL
12 pawn shops in and around Pensacola — 4.4 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. Pensacola ranks #47 of 86 Florida cities with pawn shops by shops per resident.
- Pawn shops
- 12
- Pawn shops per 100k
- 4.4
- Florida: 4.5
- Big-chain shops
- 5
- Payday & loan stores
- 8
- Population
- 274,422
Pawn shops in Pensacola: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Carson's Pawn Shop Inc | 2706 N Pace Blvd Pensacola, FL 32505 | (850) 438-5311 | ahcjv.com |
| Cash America PawnChain | 1412 W Fairfield Dr Ste 19 Pensacola, FL 32501 | (850) 438-4000 | firstcash.com |
| Cash America PawnChain | 27 E Nine Mile Rd Pensacola, FL 32534 | (850) 418-6465 | firstcash.com |
| Cash America PawnChain | 3107 N. Pace Blvd. Pensacola, FL 32505 | — | — |
| Cash America PawnChain | 390 N Navy Blvd Pensacola, FL 32507 | (850) 457-0770 | find.cashamerica.us |
| Cash America PawnChain | 4520 Mobile Hwy Pensacola, FL 32506 | (850) 455-4889 | find.cashamerica.us |
| Pensacola Interstate Pawn, Inc. | 2800 E Olive Rd Pensacola, FL 32514 | (850) 478-5334 | interstateautopensacola.com |
| Pensacola Pawn and Gun | 830 W Michigan Ave Pensacola, FL 32505 | (850) 912-6789 | — |
| Pensacola Specialty Pawn | 6428 Pensacola Blvd Pensacola, FL 32505 | (850) 432-9050 | pensacola-specialty-pawn-fl-1.hub.biz |
| The Pawn Shop and Tax Service | 1802 W Fairfield Dr Pensacola, FL 32501 | (850) 439-9353 | locations.thepawnshopandtaxservice.com |
| The Pawn Shop and Tax Service | 37 N Navy Blvd Pensacola, FL 32507 | (850) 741-9900 | locations.thepawnshopandtaxservice.com |
| The Pawn Shop and Tax Service | 8959 Pensacola Blvd Pensacola, FL 32534 | (850) 607-8998 | locations.thepawnshopandtaxservice.com |
Pawn shops vs payday loan stores in Pensacola
Pensacola has 12 pawn shops and 8 payday, installment and title loan stores.
Pawn shops
12
4.4 per 100k residents
Payday & loan stores
8
2.9 per 100k residents
4 store chains
Biggest loan store chains in Pensacola: Advance America (4), OneMain Financial (2), Lendmark Financial Services (1), 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 Pensacola
- 2.1%
- Pawn cost, share of monthly household income in Pensacola
- 1.9%
- A $400 emergency equals
- 2.3 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% |
Pensacola at a glance
- Median household income
- $63,536
- Florida: $75,446
- Poverty rate
- 15.2%
- Florida: 12.7%
- Households under $25,000
- 17.3%
- Florida: 15.4%
- A $400 emergency equals
- 2.3 days of income
Payday and installment loan stores in Pensacola
For comparison: storefront payday, installment and title lenders in Pensacola with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 15 E. Brent Lane, #4 Pensacola, FL 32503 | (850) 432-1210 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 2620 Creighton Rd., Ste. 201 Pensacola, FL 32504 | (850) 474-0922 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 400 N. Navy Blvd., Unit 9 Pensacola, FL 32507 | (850) 455-8873 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 8934 Pensacola Blvd. Pensacola, FL 32534 | (850) 857-0886 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 1765 E 9 Mile Rd Ste 7 Pensacola, FL 32514 | (850) 477-6333 | — | 4.3 |
| 6235 N Davis Hwy Ste 103 Pensacola, FL 32504 | (850) 484-3508 | — | 4.2 |
| 4761 Bayou Blvd Suite B-5 Pensacola, FL 32503 | (850) 479-8397 | — | 3.5 |
| 7145A N 9th Ave Pensacola, FL 32504 | (850) 484-8711 | — | 4.8 |
Pawn shops near Pensacola
More about Pensacola
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.