Compare legal limits, fees and the true cost of small loans in your state before you talk to any lender. Compare legal limits, fees and the true cost of small loans in your state.
Pawn Shops vs Payday Loans in Saint Cloud, FL
4 pawn shops in and around Saint Cloud — 4.0 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 Cloud ranks #48 of 86 Florida cities with pawn shops by shops per resident.
- Pawn shops
- 4
- Pawn shops per 100k
- 4.0
- Florida: 4.5
- Big-chain shops
- 3
- Payday & loan stores
- 0
- Population
- 99,652
Pawn shops in Saint Cloud: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| La Familia Pawn and JewelryChain | 340 E 13th St St Cloud, FL 34769 | (407) 593-8405 | simplepawnshop.com |
| La Familia Pawn and JewelryChain | 924 13th St St Cloud, FL 34769 | (407) 891-4900 | lafamiliapawn.com |
| Simple Armory | 340 E 13th St St Cloud, FL 34769 | (407) 891-3805 | — |
| Value Pawn & JewelryChain | 4211 13th St St Cloud, FL 34769 | (407) 957-3050 | valuepawnandjewelry.com |
Pawn shops vs payday loan stores in Saint Cloud
Saint Cloud has 4 pawn shops, and we found no storefront payday loan chains.
Pawn shops
4
4.0 per 100k residents
Payday & loan stores
0
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 Cloud
- 1.6%
- Pawn cost, share of monthly household income in Saint Cloud
- 1.5%
- A $400 emergency equals
- 1.8 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 Cloud at a glance
- Median household income
- $81,982
- Florida: $75,446
- Poverty rate
- 8.8%
- Florida: 12.7%
- Households under $25,000
- 11.6%
- Florida: 15.4%
- A $400 emergency equals
- 1.8 days of income
Pawn shops near Saint Cloud
More about Saint Cloud
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.