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 Winter Haven, FL
9 pawn shops in and around Winter Haven — 7.6 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. Winter Haven ranks #8 of 86 Florida cities with pawn shops by shops per resident.
- Pawn shops
- 9
- Pawn shops per 100k
- 7.6
- Florida: 4.5
- Big-chain shops
- 2
- Payday & loan stores
- 3
- Population
- 117,920
Pawn shops in Winter Haven: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Bay Buy & Sell | 202 Burns Ln Winter Haven, FL 33884 | (863) 585-0228 | — |
| Cash America PawnChain | 1544 3rd St SW Winter Haven, FL 33880 | (863) 294-8424 | firstcash.com |
| Cooper's Pawn Shop | 3104 Havendale Blvd NW Winter Haven, FL 33881 | (863) 777-5626 | — |
| GC Pawn Winter Haven | 595 6th St NW Winter Haven, FL 33881 | (863) 940-8788 | gcpawn.com |
| Gold Star Pawn | 1588 Havendale Blvd NW Winter Haven, FL 33881 | (863) 280-6937 | — |
| La Familia Pawn and JewelryChain | 621 Cypress Gardens Boulevard Winter Haven, FL 33880 | (863) 946-7296 | lafamiliapawn.com |
| Pawn & Gun | 2709 Havendale Blvd NW Winter Haven, FL 33881 | (863) 967-1199 | — |
| Pawn Stop Llc | 3899 Recker Hwy Winter Haven, FL 33880 | (863) 875-5615 | — |
| Trader's Pawn Shop | 2880 Havendale Blvd NW Winter Haven, FL 33881 | (863) 967-3933 | traderspawnshop.com |
Pawn shops vs payday loan stores in Winter Haven
Winter Haven has 9 pawn shops and 3 payday, installment and title loan stores.
Pawn shops
9
7.6 per 100k residents
Payday & loan stores
3
2.5 per 100k residents
3 store chains
Biggest loan store chains in Winter Haven: 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 Winter Haven
- 2.2%
- Pawn cost, share of monthly household income in Winter Haven
- 2.0%
- A $400 emergency equals
- 2.4 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% |
Winter Haven at a glance
- Median household income
- $60,060
- Florida: $75,446
- Poverty rate
- 16.0%
- Florida: 12.7%
- Households under $25,000
- 19.3%
- Florida: 15.4%
- A $400 emergency equals
- 2.4 days of income
Payday and installment loan stores in Winter Haven
For comparison: storefront payday, installment and title lenders in Winter Haven with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 327 Cypress Gardens Blvd. Winter Haven, FL 33880 | (863) 292-2016 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 5935 Cypress Gardens Blvd Ste. 500 Winter Haven, FL 33884 | (863) 401-9922 | — | 4.9 |
| 333 Cypress Gardens Blvd Winter Haven, FL 33880 | (863) 291-0809 | — | 4.5 |
Pawn shops near Winter Haven
More about Winter Haven
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.