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Pawn Shops vs Payday Loans in Port Saint Lucie, FL
9 pawn shops in and around Port Saint Lucie — 3.8 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 Saint Lucie ranks #56 of 86 Florida cities with pawn shops by shops per resident.
- Pawn shops
- 9
- Pawn shops per 100k
- 3.8
- Florida: 4.5
- Big-chain shops
- 1
- Payday & loan stores
- 3
- Population
- 238,962
Pawn shops in Port Saint Lucie: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Barons Arms | 10796 S Us-1 Port St Lucie, FL 34952 | (772) 546-9300 | baronsarms.com |
| Bayshore Pawn | 1812 SW Bayshore Blvd Port St Lucie, FL 34984 | (772) 336-2244 | bayshorepawn.com |
| Cash America PawnChain | 8429 S U.S. Hwy 1 Port St Lucie, FL 34952 | (772) 878-1044 | find.cashamerica.us |
| Cellular Pawn - We Buy Phones | 10546 S US Highway 1 Port Saint Lucie, FL 34952 | (772) 539-7177 | cellularpawn.com |
| Colorado Pawn and Jewelry | 1168 SE Port St Lucie Blvd Port St Lucie, FL 34952 | (772) 335-1896 | coloradopawnjewelry.com |
| Elite Pawn & Jewelry | 910 SW Gatlin Blvd Port St Lucie, FL 34953 | (772) 777-2488 | elitepawn.com |
| Paramount Pawn and Jewelry | 10660 Us-1 Port St Lucie, FL 34952 | (772) 777-2619 | paramountpawn.com |
| Queen of Pawns | 1676 SE Port Saint Lucie Blvd Port Saint Lucie, FL 34952 | (772) 237-5044 | queenofpawns.com |
| Wild Side Pawn and Jewelry | 8715 S Federal Hwy Port Saint Lucie, FL 34952 | (772) 301-1036 | wildsidepawnandjewelry.com |
Pawn shops vs payday loan stores in Port Saint Lucie
Port Saint Lucie has 9 pawn shops and 3 payday, installment and title loan stores.
Pawn shops
9
3.8 per 100k residents
Payday & loan stores
3
1.3 per 100k residents
2 store chains
Biggest loan store chains in Port Saint Lucie: Advance America (2), 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 Port Saint Lucie
- 1.7%
- Pawn cost, share of monthly household income in Port Saint Lucie
- 1.6%
- A $400 emergency equals
- 1.9 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 Saint Lucie at a glance
- Median household income
- $76,114
- Florida: $75,446
- Poverty rate
- 8.5%
- Florida: 12.7%
- Households under $25,000
- 11.1%
- Florida: 15.4%
- A $400 emergency equals
- 1.9 days of income
Payday and installment loan stores in Port Saint Lucie
For comparison: storefront payday, installment and title lenders in Port Saint Lucie with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1149 SE Port Saint Lucie Blvd. Port Saint Lucie, FL 34952 | (772) 335-0220 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 7540 S. US Hwy. 1 Port Saint Lucie, FL 34952 | (772) 621-4433 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 1393 NW Saint Lucie West Blvd Port St. Lucie, FL 34986 | (772) 343-7483 | — | 3.9 |
Pawn shops near Port Saint Lucie
More about Port Saint Lucie
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.