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Pawn Shops vs Payday Loans in Port Charlotte, FL
7 pawn shops in and around Port Charlotte — 8.2 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. Port Charlotte ranks #6 of 86 Florida cities with pawn shops by shops per resident.
- Pawn shops
- 7
- Pawn shops per 100k
- 8.2
- Florida: 4.5
- Big-chain shops
- 0
- Payday & loan stores
- 3
- Population
- 85,813
Pawn shops in Port Charlotte: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Ambassador Estate Jewelry | 2756 Tamiami Trl Port Charlotte, FL 33952 | (941) 743-4484 | ambassador-estate-jewelry.business.site |
| American Gun And Pawn Florida | 3702 Tamiami Trl Port Charlotte, FL 33952 | (941) 764-8792 | — |
| County Line Pawn LLC | 119 Tamiami Trl Port Charlotte, FL 33953 | (941) 235-8777 | countylinepawn.net |
| Legacy Guns & Gold Pawn, LLC | 3265 S Tamiami Trl d Port Charlotte, FL 33952 | (941) 391-6379 | legacygunsandgold.com |
| Loan Star Pawn | 3651 S Tamiami Trl b Port Charlotte, FL 33952 | (941) 889-7528 | loanstarpawnllc.com |
| Port Charlotte Gold and Pawn | 3358 Tamiami Trl Port Charlotte, FL 33952 | (941) 979-5523 | pcgoldandpawn.com |
| Tim's Pawn Shop | 2395 Tamiami Trl Unit 101 Port Charlotte, FL 33952 | (941) 764-7296 | timspawn.com |
Pawn shops vs payday loan stores in Port Charlotte
Port Charlotte has 7 pawn shops and 3 payday, installment and title loan stores.
Pawn shops
7
8.2 per 100k residents
Payday & loan stores
3
3.5 per 100k residents
3 store chains
Biggest loan store chains in Port Charlotte: Advance America (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 Port Charlotte
- 2.0%
- Pawn cost, share of monthly household income in Port Charlotte
- 1.8%
- A $400 emergency equals
- 2.2 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% |
Port Charlotte at a glance
- Median household income
- $65,063
- Florida: $75,446
- Poverty rate
- 10.4%
- Florida: 12.7%
- Households under $25,000
- 15.9%
- Florida: 15.4%
- A $400 emergency equals
- 2.2 days of income
Payday and installment loan stores in Port Charlotte
For comparison: storefront payday, installment and title lenders in Port Charlotte with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 2150 Tamiami Trail, Unit 15 Port Charlotte, FL 33948 | (941) 764-0082 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 2150 S Tamiami Trl #14 Port Charlotte, FL 33948 | (941) 451-6094 | — | 2.9 |
| 18501 Murdock Cir #503 Port Charlotte, FL 33948 | (941) 883-7150 | — | 3.7 |
Pawn shops near Port Charlotte
More about Port Charlotte
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.