Florida (FL) lender directory
Pawn Shops in Florida
Looking for a pawn shop near you in Florida? Pick your city below. We list 1 store in 1 Florida city, built from state license records and lenders' own store pages. Data last checked October 8, 2026.
Pawn shops by city
Pawn shops in Florida: the rules
- A pawnbroker's service charge, interest included, cannot exceed 25 percent of the amount lent for each 30-day period. Source: Fla. Stat. § 539.001(11)(a) · verified Oct 8, 2026
- A pawnbroker may charge a minimum service charge of $5 for each 30-day period. Source: Fla. Stat. § 539.001(11)(a) · verified Oct 8, 2026
- A pawnbroker must hold unredeemed goods for at least 30 days after the maturity date before they are forfeited. Source: Fla. Stat. § 539.001(10) · verified Oct 8, 2026
- Pawnbrokers are licensed by the Department of Agriculture and Consumer Services (FDACS), with a separate license for each pawnshop. Source: Fla. Stat. § 539.001(2)(a), (3)(a) · verified Oct 8, 2026
- Cities and counties may pass pawn ordinances only if they are not more restrictive than state law, and cannot restrict hours except between midnight and 6 a.m. Source: Fla. Stat. § 539.001(20) · verified Oct 8, 2026
Lenders in Florida are licensed by the Florida Office of Financial Regulation (OFR). You can look up any license in its license search. See also online lenders and apps in Florida.
Florida lending statistics
Official figures, grouped by the report they come from. Older reports are the latest published for that measure.
Florida House staff analysis CS/CS/HB 857 (2018), citing OFR deferred presentment data (2016-07/2017-06)
| Loan | Measure | Value |
|---|---|---|
| Payday (deferred presentment) | Average fee, as a share of the loan | 9.9% |
| Payday (deferred presentment) | Average loan | $400.77 |
| Payday (deferred presentment) | Average verification fee | $3.09 |
| Payday (deferred presentment) | Borrowers with 10 or more loans a year | 37.6% |
| Payday (deferred presentment) | Loans that used the grace period | 0.71% |
| Payday (deferred presentment) | Loans not repaid (loss rate) | 1.8% |
| Payday (deferred presentment) | Total fees paid | $306,000,000 |
| Payday (deferred presentment) | Total amount lent | $3,090,000,000 |
| Payday (deferred presentment) | Loans made | 7,700,000 |
Source: Florida House staff analysis CS/CS/HB 857 (2018), citing OFR deferred presentment data · verified Oct 8, 2026
Florida House staff analysis CS/CS/HB 857 (2018), citing OFR deferred presentment data (2017-06-30)
| Loan | Measure | Value |
|---|---|---|
| Payday (deferred presentment) | Licensed locations (June 30, 2017) | 923 |
Source: Florida House staff analysis CS/CS/HB 857 (2018), citing OFR deferred presentment data · verified Oct 8, 2026
OFR registration data download (monthly licensee files) (2026-10)
| Loan | Measure | Value |
|---|---|---|
| Payday (deferred presentment) | Active branch licenses at a Florida address | 600 |
| Payday (deferred presentment) | Active company licenses at a Florida address | 30 |
| Installment loan | Active branch licenses at a Florida address | 205 |
| Installment loan | Active company licenses at a Florida address | 109 |
| Auto title loan | Active office licenses at a Florida address | 2 |
Source: OFR registration data download (monthly licensee files) · verified Oct 8, 2026
Questions people ask
Are payday loans legal in Florida?
Yes. Payday lenders operate in Florida under state rules. For example: A single-payment payday loan can have a check face amount of at most $500, not counting fees (Fla. Stat. § 560.404(5)).
How many pawn shops are in Florida?
We list 1 pawn shop in Florida, in 1 city.
How much can lenders charge in Florida?
A pawnbroker's service charge, interest included, cannot exceed 25 percent of the amount lent for each 30-day period (Fla. Stat. § 539.001(11)(a)). More limits are listed under the state rules on this page.
How do I check a lender's license in Florida?
Lenders in Florida are licensed by the Florida Office of Financial Regulation (OFR). You can look up a license in its online license search, or use NMLS Consumer Access for lenders licensed through NMLS.
Answers are generated from the listings and verified rules on this page; see Sources below.
Sources
Listings, statistics and rules on this page come from these sources, with how many locations each one supplied.
- EZPAWN store locator (Florida) · 1 location Last verified Oct 15, 2026
- Fla. Stat. § 516.02(2)(a), Fla. Stat. § 516.02(1) · General rules, Installment and consumer finance loans Last verified Oct 8, 2026 · high confidence
- Fla. Stat. § 560.403; OFR consumer page (payday lenders) · General rules Last verified Oct 8, 2026 · high confidence
- Fla. Stat. § 560.404(5), Fla. Stat. § 560.404(6)(a), Fla. Stat. § 560.404(8), Fla. Stat. § 560.404(19), Fla. Stat. § 560.404(22), Fla. Stat. § 560.404(22)(a), Fla. Stat. § 560.404(18), Fla. Stat. § 560.404(26), Fla. Stat. § 560.404(24)(a), Fla. Stat. § 560.404(24)(b) · Payday loans (deferred presentment), Statewide loan database Last verified Oct 8, 2026 · high confidence
- Fla. Stat. §§ 560.309(8), 560.404(6)(b) · Payday loans (deferred presentment) Last verified Oct 8, 2026 · high confidence
- Fla. Stat. § 560.406(1) · Payday loans (deferred presentment) Last verified Oct 8, 2026 · high confidence
- Fla. Stat. § 560.403 · Payday loans (deferred presentment) Last verified Oct 8, 2026 · high confidence
- Fla. Stat. § 537.011(1), Fla. Stat. § 537.011(3) · Title loans Last verified Oct 8, 2026 · high confidence
- Fla. Stat. § 537.004(1) · Title loans Last verified Oct 8, 2026 · high confidence
- Fla. Stat. § 516.031(1) · Installment and consumer finance loans Last verified Oct 8, 2026 · high confidence
- Fla. Stat. § 539.001(11)(a), Fla. Stat. § 539.001(10), Fla. Stat. § 539.001(2)(a), (3)(a), Fla. Stat. § 539.001(20) · Pawn loans Last verified Oct 8, 2026 · high confidence
We re-check sources regularly and show the date each was last verified. Spotted a mistake? Tell us and we'll check it against the source.
CashAdvance is not a lender and does not take applications. Listings are information only, built from public records (such as state license lists) and lenders' own published details. Confirm hours, fees and terms with the lender before you visit or borrow.