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Pawn Shops in Lakeland, FL

16 of the 25 pawn shops, check cashing and loan stores we list in Lakeland are pawn shops.

Pawn shops vary significantly in the inventory they carry, with some focusing on high-end jewelry and electronics while others stock tools, firearms, or musical instruments. Loan terms, interest rates, and retail pricing also differ based on location and corporate or independent ownership. A map pin confirms a store is open, but it will not show you their current valuation policies or what items they accept for collateral.

  1. Value Pawn and Jewelry

    2942 US Highway 98 N, Lakeland, FL 33805-2406

    Monday - Friday: 9:00 am

    Buys goldJewelryElectronicsFirearmsLayaway
    Call Website Directions

  2. Value Pawn and Jewelry

    606 E Memorial Blvd, Lakeland, FL 33801-1846

    Monday - Friday: 9:00 am

    Buys goldJewelryElectronicsFirearmsLayaway
    Call Website Directions

  3. La Familia Pawn and Jewelry

    5359 S Florida Ave, Lakeland, FL 33813-4913

    Buys goldJewelryElectronicsFirearmsLayaway
    Call Website Directions

  4. Cash America Pawn

    4694 US Highway 98 N, Lakeland, FL 33809-3603

    Buys goldJewelryElectronicsLayaway
    Call Website Directions

  5. West Coast Pawn & Gun

    5619 US Highway 98 N, Lakeland, FL 33809-3115

    Mon-Fri 10am

    Buys goldFirearmsLayaway
    Call Website Directions

  6. MFD Pawn and Jewelry

    3250 Kathleen Rd, Lakeland, FL 33810

    Buys goldJewelryElectronics
    Call Website Directions

  7. GC Pawn Lakeland

    1555 S Combee Rd, Lakeland, FL 33801-7134

    Buys goldElectronicsFirearms
    Call Website Directions

  8. Cash America Pawn

    915 E Memorial Blvd, Lakeland, FL 33801-1919

    Buys goldElectronicsLayaway
    Call Website Directions

  9. Quick Cash Liquidators

    106 S Fern Rd, Lakeland, FL 33801

    Buys goldJewelry
    Call Website Directions

  10. MaxPay Pawn

    646 N Combee Rd, Lakeland, FL 33801-2622

    Call Website Directions

  11. Absolute Pawn

    1003 N Combee Rd, Lakeland, FL 33801

    Call Directions

  12. South Florida Gun and Pawn

    844 S Florida Ave, Lakeland, FL 33801-5273

    Call Directions

  13. Absolute Pawn

    834 N Wabash Ave, Lakeland, FL 33815-1164

    Call Directions

  14. Family Pawn & Jewelry

    4217 S Florida Ave, Lakeland, FL 33813-1630

    Call Directions

  15. South Combee Pawn

    1710 S Combee Rd, Lakeland, FL 33801-6896

    Call Directions

  16. Cash Money Records

    915 E Memorial Blvd, Lakeland, FL 33801-1919

    Call Directions
Bring valid photo ID. State regulations require a government-issued ID for all pawn loans and outright sales, and most stores require items to be clean and fully functional before making an offer.

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Good to know

What is the difference between pawning an item and selling it?

Pawning an item means using it as collateral for a short-term cash loan, which you can reclaim after repaying the principal plus interest and fees. Selling is a final transaction where you relinquish ownership of the item in exchange for immediate cash. Pawn offers are typically lower than outright sale offers because the shop must store and hold the item.

How long do I have to pay back a pawn loan?

Standard pawn loan terms are typically 30 days, though exact timeframes are set by state and local laws. Most shops allow you to extend or renew the loan by paying the interest accrued for that period. If you do not repay or extend the loan, the shop takes ownership of the item to resell, which does not affect your credit score.

How do pawn shops determine how much money to offer?

Appraisers look at the item's current secondary market value, condition, brand, and likelihood of reselling if the loan defaults. For precious metals and jewelry, valuation relies on the current spot price of gold or silver alongside stone quality. Expect offers to be a percentage of the item's resale value rather than its original retail price.