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Pawn Shops vs Payday Loans in Spring Hill, FL
8 pawn shops in and around Spring Hill — 5.9 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. Spring Hill ranks #24 of 86 Florida cities with pawn shops by shops per resident.
- Pawn shops
- 8
- Pawn shops per 100k
- 5.9
- Florida: 4.5
- Big-chain shops
- 0
- Payday & loan stores
- 1
- Population
- 136,376
Pawn shops in Spring Hill: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Florida Pawn Brokers | 5556 Commercial Way Spring Hill, FL 34606 | (352) 688-0796 | tampa.craigslist.org |
| Gnp Outfitters (gold-n-pawnd Ii Inc)- Gun Shop & Gun Range | 5224 Mariner Blvd Spring Hill, FL 34609 | (352) 835-7988 | goldnpawnd.com |
| Gold-n-pawnd | 10215 County Line Rd Spring Hill, FL 34608 | (352) 686-7418 | goldnpawnd.com |
| Master Class Pawn | 3484 Commercial Way Spring Hill, FL 34606 | (352) 610-4543 | masterclasspawn.com |
| Phoenix Gold and Silver Company | 136 Commercial Way Spring Hill, FL 34606 | (727) 863-1213 | phoenix-gold-and-silver.com |
| Prestige Pawn & Jewelry | 5115 Commercial Way Spring Hill, FL 34606 | (352) 515-0064 | cashprestige.com |
| Steady Rollin Pawn | 10480 Northcliffe Blvd Spring Hill, FL 34608 | (352) 600-7034 | — |
| Timeless Jewelry & Pawn | 2135 Mariner Blvd Spring Hill, FL 34609 | (352) 293-4307 | timeless-jewelry.com |
Pawn shops vs payday loan stores in Spring Hill
Spring Hill has 8 pawn shops and 1 payday, installment and title loan stores.
Pawn shops
8
5.9 per 100k residents
Payday & loan stores
1
0.7 per 100k residents
1 store chain
Biggest loan store chains in Spring Hill: ACE Cash Express (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 Spring Hill
- 1.9%
- Pawn cost, share of monthly household income in Spring Hill
- 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% |
Spring Hill at a glance
- Median household income
- $67,779
- Florida: $75,446
- Poverty rate
- 11.9%
- Florida: 12.7%
- Households under $25,000
- 15.2%
- Florida: 15.4%
- A $400 emergency equals
- 2.2 days of income
Payday and installment loan stores in Spring Hill
For comparison: storefront payday, installment and title lenders in Spring Hill with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 7403 Spring Hill Dr Spring Hill, FL 34606 | (352) 684-1471 | — | 4.8 |
Pawn shops near Spring Hill
More about Spring Hill
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.