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Pawn Shops vs Payday Loans in Saint Petersburg, FL
14 pawn shops in and around Saint Petersburg — 3.9 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 Petersburg ranks #51 of 86 Florida cities with pawn shops by shops per resident.
- Pawn shops
- 14
- Pawn shops per 100k
- 3.9
- Florida: 4.5
- Big-chain shops
- 7
- Payday & loan stores
- 9
- Population
- 357,666
Pawn shops in Saint Petersburg: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| A ACE WHIPPLE'S PAWN SHOP | 927 Central Ave Saint Petersburg, FL 33705 | (727) 822-3677 | aacewhipplespawn.com |
| All American Pawn | 5903 54th Ave N St Petersburg, FL 33709 | (727) 548-8181 | allamericanpawn.placeweb.site |
| Cash America PawnChain | 1291 34th St N St Petersburg, FL 33713 | (727) 328-7712 | firstcash.com |
| Cash America PawnChain | 1601 34Th Street St. Petersburg, FL 33711 | — | — |
| Cash America PawnChain | 3805 34th St S St Petersburg, FL 33711 | (727) 866-7601 | firstcash.com |
| Cash America PawnChain | 5499 34th St N St Petersburg, FL 33714 | (727) 521-3400 | firstcash.com |
| Cash America PawnChain | 5515 4th St N St Petersburg, FL 33703 | (727) 525-4119 | find.cashamerica.us |
| Fine Jewelry & Pawn | 330 62nd Ave N St Petersburg, FL 33702 | (727) 954-8867 | finejewelryandpawn.com |
| Pawn Depot | 5198 34th St N St Petersburg, FL 33714 | (727) 525-6551 | pawndepotnu2u.com |
| Pawn Max II | 4545 4th St N St Petersburg, FL 33703 | (727) 520-8631 | 866pawn.com |
| Saint Petersburg Jewelry and Coins | 9601 Bay Pines Blvd St Petersburg, FL 33708 | (727) 547-3553 | youtube.com |
| The Money Tree | 7223 Central Ave St Petersburg, FL 33710 | (727) 828-9223 | moneytreequickcash.com |
| Value Pawn & JewelryChain | 301 34th St S St Petersburg, FL 33711 | (727) 321-2289 | valuepawnandjewelry.com |
| Value Pawn & JewelryChain | 3600 34th St N St Petersburg, FL 33713 | (727) 522-8989 | valuepawnandjewelry.com |
Pawn shops vs payday loan stores in Saint Petersburg
Saint Petersburg has 14 pawn shops and 9 payday, installment and title loan stores.
Pawn shops
14
3.9 per 100k residents
Payday & loan stores
9
2.5 per 100k residents
6 store chains
Biggest loan store chains in Saint Petersburg: ACE Cash Express (4), Advance America (1), Check 'n Go (1), Mariner Finance (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 Petersburg
- 1.8%
- Pawn cost, share of monthly household income in Saint Petersburg
- 1.6%
- A $400 emergency equals
- 2.0 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 Petersburg at a glance
- Median household income
- $72,848
- Florida: $75,446
- Poverty rate
- 11.8%
- Florida: 12.7%
- Households under $25,000
- 16.0%
- Florida: 15.4%
- A $400 emergency equals
- 2.0 days of income
Payday and installment loan stores in Saint Petersburg
For comparison: storefront payday, installment and title lenders in Saint Petersburg with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 2705 54th Ave N #18 St. Petersburg, FL 33714 | (727) 527-3314 | — | 4.9 |
| 3254 Central Ave St. Petersburg, FL 33712 | (727) 327-1105 | — | 4.8 |
| 500 34th St S St. Petersburg, FL 33711 | (727) 323-0252 | — | 4.8 |
| 870 3rd Ave S St. Petersburg, FL 33701 | (727) 821-4041 | — | 4.9 |
| 2840 34th St. N Saint Petersburg, FL 33713 | (727) 522-4047 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 3008 54th Ave S St. Petersburg, FL 33712 | (727) 865-0700 | — | 4.8 |
| 1454 66th St N St. Petersburg, FL 33710 | (727) 547-8061 | — | 4.8 |
| 3717 49th Street N St. Petersburg, FL 33710 | (727) 390-5785 | — | 2.8 |
| 360 Central Ave Ste 800 St. Petersburg, FL 33701 | (727) 325-8560 | — | 1.0 |
Pawn shops near Saint Petersburg
More about Saint Petersburg
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.