All states›Pawn Shops›Florida›Panama City

Pawn Shops in Panama City, FL

8 of the 13 pawn shops, check cashing and loan stores we list in Panama City 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. E-z Cash Pawnshop Of Panama City

    807 E 15th St, Panama City, FL 32405-6101

    Mon-Fri 8am-5pm, Sat 9am-2pm, Sun Closed

    JewelryElectronicsFirearmsLayaway
    Call Website Directions

  2. Money Mizer Pawns and Jewelers

    2424 W 23rd St, Panama City, FL 32405-2347

    Buys goldJewelryFirearms
    Call Website Directions

  3. Dans Pawn - St. Andrews

    1315 Beck Ave, Panama City, FL 32401-1340

    Mon-Sat 9am-6pm

    Buys goldJewelryElectronics
    Call Directions

  4. Panhandle Gun & Pawn

    1040 W 15th St, Panama City, FL 32401-2044

    Mon-Fri 9am-6pm, Sat 9am-2pm, Sun Closed

    Firearms
    Call Website Directions

  5. Lending Bear

    609 E 23rd St, Panama City, FL 32405

    Call Website Directions

  6. Alamo Pawn Shop

    2312 Transmitter Rd, Panama City, FL 32404-2070

    Call Directions

  7. Pawn Depot

    1040 W 15th St, Panama City, FL 32401

    Call Directions

  8. 98 Pawn & Jewelry

    128 N Tyndall Pkwy, Panama City, FL 32404-6451

    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.

Also in Panama City

More in Panama City and Florida

Pawn Shops near Panama City

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.