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Pawn Shops vs Payday Loans in Saint Augustine, FL
6 pawn shops in and around Saint Augustine — 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. Saint Augustine ranks #57 of 86 Florida cities with pawn shops by shops per resident.
- Pawn shops
- 6
- Pawn shops per 100k
- 3.8
- Florida: 4.5
- Big-chain shops
- 1
- Payday & loan stores
- 3
- Population
- 159,928
Pawn shops in Saint Augustine: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| 312 Pawn | 1955 A1A S St Augustine, FL 32080 | (904) 217-3862 | 312pawn.com |
| B & K Pawn, Guns and Gold | 125 State Road 207 St Augustine, FL 32084 | (904) 826-4300 | facebook.com |
| Florida Cash Inc. | 181 King St St Augustine, FL 32084 | (904) 823-8704 | staugustinepawnshops.com |
| Lending BearChain | 125 SR 207, Ste 1 St. Augustine, FL 32084 | (904) 824-8424 | lendingbear.com |
| Olde City Jewelry & Pawn | 2590 Us-1 S St Augustine, FL 32086 | (904) 797-7296 | etsy.com |
| Usa Jewelry & Pawn Inc | 2501 N Ponce De Leon Blvd Saint Augustine, FL 32084 | (904) 823-8888 | staugustinepawnshops.com |
Pawn shops vs payday loan stores in Saint Augustine
Saint Augustine has 6 pawn shops and 3 payday, installment and title loan stores.
Pawn shops
6
3.8 per 100k residents
Payday & loan stores
3
1.9 per 100k residents
3 store chains
Biggest loan store chains in Saint Augustine: Advance America (1), Lendmark Financial Services (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 Saint Augustine
- 1.4%
- Pawn cost, share of monthly household income in Saint Augustine
- 1.2%
- A $400 emergency equals
- 1.5 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% |
Saint Augustine at a glance
- Median household income
- $96,842
- Florida: $75,446
- Poverty rate
- 8.7%
- Florida: 12.7%
- Households under $25,000
- 10.5%
- Florida: 15.4%
- A $400 emergency equals
- 1.5 days of income
Payday and installment loan stores in Saint Augustine
For comparison: storefront payday, installment and title lenders in Saint Augustine with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 188 State Road 312 Saint Augustine, FL 32086 | (904) 823-8990 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 2730 FL-16 #108 St. Augustine, FL 32092 | (904) 599-6970 | — | 4.6 |
| 204 State Rte 312 Unit 12 St. Augustine, FL 32086 | (904) 829-5532 | — | 4.6 |
Pawn shops near Saint Augustine
More about Saint Augustine
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.