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Pawn Shops vs Payday Loans in Stuart, FL
5 pawn shops in and around Stuart — 6.7 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. Stuart ranks #12 of 86 Florida cities with pawn shops by shops per resident.
- Pawn shops
- 5
- Pawn shops per 100k
- 6.7
- Florida: 4.5
- Big-chain shops
- 0
- Payday & loan stores
- 3
- Population
- 75,140
Pawn shops in Stuart: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Carroll Collins Pawn II | 287 SE Monterey Rd Stuart, FL 34994 | (772) 288-6221 | carrollcollinspawn.com |
| Colorado Pawn And Jewelry | 2275 S Kanner Hwy Stuart, FL 34994 | (772) 283-3660 | coloradopawnjewelry.com |
| Pirate Firearms, Jewelry, And Pawn | 2201 Se Indian St Unit E2 Stuart, FL 34997 | (772) 247-7535 | pirategunandpawn.com |
| Salerno Pawn & Jewelry | 3176 SE Dixie Hwy Stuart, FL 34997 | (772) 266-8447 | salernopawnjewelry.com |
| Wild Side Pawn and Jewelry | 4260 SE Federal Hwy Stuart, FL 34997 | (772) 291-2753 | wildsidepawnandjewelry.com |
Pawn shops vs payday loan stores in Stuart
Stuart has 5 pawn shops and 3 payday, installment and title loan stores.
Pawn shops
5
6.7 per 100k residents
Payday & loan stores
3
4.0 per 100k residents
3 store chains
Biggest loan store chains in Stuart: Advance America (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 Stuart
- 1.8%
- Pawn cost, share of monthly household income in Stuart
- 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% |
Stuart at a glance
- Median household income
- $73,623
- Florida: $75,446
- Poverty rate
- 12.0%
- Florida: 12.7%
- Households under $25,000
- 15.1%
- Florida: 15.4%
- A $400 emergency equals
- 2.0 days of income
Payday and installment loan stores in Stuart
For comparison: storefront payday, installment and title lenders in Stuart with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 2170 SE. Federal Hwy. Stuart, FL 34994 | (772) 288-2448 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 2020 SE Federal Hwy Stuart, FL 34994 | (772) 781-5855 | — | 4.9 |
| 1519 NW Federal Hwy Stuart, FL 34994 | (772) 763-1667 | — | 4.9 |
Pawn shops near Stuart
More about Stuart
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.