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 West Palm Beach, FL
20 pawn shops in and around West Palm Beach — 5.1 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. West Palm Beach ranks #34 of 86 Florida cities with pawn shops by shops per resident.
- Pawn shops
- 20
- Pawn shops per 100k
- 5.1
- Florida: 4.5
- Big-chain shops
- 10
- Payday & loan stores
- 8
- Population
- 388,455
Pawn shops in West Palm Beach: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| American Pawn Jewelry and Gun | 150 N Military Trl West Palm Beach, FL 33415 | (561) 471-8303 | americanpawnjewelryandgun.com |
| Cash America PawnChain | 1640 S Military Trl West Palm Beach, FL 33415 | (561) 968-7296 | firstcash.com |
| Cash America PawnChain | 1810 45th St Ste 8 Mangonia Park, FL 33407 | (561) 841-7305 | cashamerica.com |
| Cash America PawnChain | 2623 Broadway Riviera Beach, FL 33404 | (561) 842-3300 | firstcash.com |
| Cash America PawnChain | 516 Northlake Boulevard Lake Park, FL 33403 | (561) 840-0900 | cashamerica.com |
| Cash America PawnChain | 5178 Okeechobee Blvd West Palm Beach, FL 33417 | (561) 686-1777 | firstcash.com |
| Gator Guns & Pawn | 2489 N Military Trl West Palm Beach, FL 33409 | (561) 689-0065 | gatorgunsandpawn.com |
| Gold Pawn City | 5335 N Military Trl West Palm Beach, FL 33407 | (561) 683-5040 | goldpawncity.com |
| La Familia Pawn and JewelryChain | 2304 S Military Trl West Palm Beach, FL 33415 | (561) 965-5494 | lafamiliapawn.com |
| Palm Beach Pawn Inc | 2750 Okeechobee Blvd West Palm Beach, FL 33409 | (561) 640-0660 | palmbeachpawnking.com |
| Queen Of Pawns | 1180 S Military Trl West Palm Beach, FL 33415 | (561) 434-4149 | queenofpawns.com |
| Queen Of Pawns | 4900 Broadway West Palm Beach, FL 33407 | (561) 842-5892 | queenofpawns.com |
| Queen of Pawns | 6080 Okeechobee Blvd West Palm Beach, FL 33417 | (561) 656-4149 | queenofpawns.com |
| Queen of Pawns | 821 N Military Trl West Palm Beach, FL 33415 | (561) 697-3111 | kingofgoldbuyers.com |
| Riviera Beach Pawn | 1901 Broadway Riviera Beach, FL 33404 | (561) 844-6152 | — |
| Royal Pawn & Jewelry Inc | 9852 Southern Blvd Royal Palm Beach, FL 33411 | (561) 795-5778 | royalpawnnow.com |
| Value Pawn & JewelryChain | 10045 Belvedere Road Royal Palm Beach, FL 33411 | (561) 793-7798 | valuepawnandjewelry.com |
| Value Pawn & JewelryChain | 1401 S Military Trl West Palm Beach, FL 33415 | (561) 642-9033 | valuepawnandjewelry.com |
| Value Pawn & JewelryChain | 4606 N Australian Ave Mangonia Park, FL 33407 | (561) 863-8588 | valuepawnandjewelry.com |
| Value Pawn & JewelryChain | 4764 Okeechobee Blvd West Palm Beach, FL 33417 | (561) 697-4333 | valuepawnandjewelry.com |
Pawn shops vs payday loan stores in West Palm Beach
West Palm Beach has 20 pawn shops and 8 payday, installment and title loan stores.
Pawn shops
20
5.1 per 100k residents
Payday & loan stores
8
2.1 per 100k residents
4 store chains
Biggest loan store chains in West Palm Beach: Advance America (4), OneMain Financial (2), Mariner Finance (1), Oportun (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 West Palm Beach
- 1.8%
- Pawn cost, share of monthly household income in West Palm Beach
- 1.7%
- 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% |
West Palm Beach at a glance
- Median household income
- $71,371
- Florida: $75,446
- Poverty rate
- 14.2%
- Florida: 12.7%
- Households under $25,000
- 16.6%
- Florida: 15.4%
- A $400 emergency equals
- 2.0 days of income
Payday and installment loan stores in West Palm Beach
For comparison: storefront payday, installment and title lenders in West Palm Beach with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 2905 N. Military Trail, Ste C West Palm Beach, FL 33409 | (561) 656-6197 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 5932 Okeechobee Blvd. West Palm Beach, FL 33417 | (561) 615-3199 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 6308 Forest Hill Blvd. West Palm Beach, FL 33415 | (561) 433-0226 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 960 Northlake Blvd. Lake Park, FL 33403 | (561) 840-9950 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 11021 Southern Blvd #190 Royal Palm Beach, FL 33411 | (561) 570-2457 | — | 4.8 |
| 1937 N Military Trl O West Palm Beach, FL 33409 | (561) 684-5440 | — | 4.1 |
| 2905 N Military Trl Ste. A West Palm Beach, FL 33409 | (561) 682-3678 | — | 4.8 |
| 830A S Military Trl West Palm Beach, FL 33415 | (561) 509-5116 | — | 5.0 |
Pawn shops near West Palm Beach
More about West Palm Beach
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.