Pawn Shops vs Payday Loans in Tampa, FL

54 pawn shops in and around Tampa — 6.5 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. Tampa ranks #17 of 86 Florida cities with pawn shops by shops per resident.

Pawn shops

54

Pawn shops per 100k

6.5

Florida: 4.5

Big-chain shops

27

Payday & loan stores

16

Population

826,077

Pawn shops in Tampa: addresses and phone numbers

Pawn shops vs payday loan stores in Tampa

Tampa has 54 pawn shops and 16 payday, installment and title loan stores.

Biggest loan store chains in Tampa: ACE Cash Express (7), OneMain Financial (3), Mariner Finance (2), Oportun (2), Advance America (1).

Borrowing $500 for one month: payday vs pawn vs credit union

Payday cost, share of monthly household income in Tampa

1.8%

Pawn cost, share of monthly household income in Tampa

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

Tampa at a glance

Median household income

$74,796

Florida: $75,446

Poverty rate

15.7%

Florida: 12.7%

Households under $25,000

17.3%

Florida: 15.4%

A $400 emergency equals

2.0 days of income

Payday and installment loan stores in Tampa

For comparison: storefront payday, installment and title lenders in Tampa with addresses, phone numbers and hours.

Pawn shops near Tampa

• Lutz · 1
• Brandon · 7
• Valrico · 1
• Clearwater · 7
• Palm Harbor · 1