Opa-locka, FL

Credit Repair & Financial Services in Opa-locka

Review 6 credit repair companies, personal lenders, and financial services in Opa-locka, Florida. Profiles include stored ratings, BBB context, pricing fields, maps, and local rules where available.

Florida avg credit score: 706 Median income: $71,711 Poverty rate: 11.4% Payday loans: Legal Florida overview →

Featured Provider Profiles in Opa-locka

6 companies
AAA Pawnbrokers of Opa Locka logo

AAA Pawnbrokers of Opa Locka

AAA Pawnbrokers of Opa Locka offers short-term cash access for personal property through pawn loans or outright sales, including gold, jewelry, and firearms in Opa Locka, Florida.

BBB: NR

Profile signals: Customers researching short-term cash access ($100-$5,000+) with eligibility claims to verify or bank approval, People with valuable items (gold, jewelry, electronics) they can temporarily part with for short-term loans

Community Fund of North Miami Dade logo

Community Fund of North Miami Dade

Community Fund of North Miami Dade is a non-profit organization offering free financial counseling and assistance to residents in the North Miami Dade area.

BBB: NR

Profile signals: North Miami Dade residents seeking free financial counseling, Small business owners in the local area needing advisory support

King Cash Pawn & Jewelry logo

King Cash Pawn & Jewelry

King Cash Pawn & Jewelry Opa-locka, Florida — King Cash Pawn & Jewelry operates eight locations across South Florida, offering pawn loans, item sales, a...

BBB: NR

Profile signals: South Florida residents researching short-term cash access for collateral they own (jewelry, electronics, instruments, tools), Individuals with urgent short-term liquidity needs who may not meet traditional credit criteria

Lucky Pawn & Jewelry logo

Lucky Pawn & Jewelry

Licensed South Florida pawnbroker offering collateral-based loans, buy/sell of jewelry, electronics, firearms, and vehicles across 4 locations since 2005.

BBB: NR

Profile signals: South Florida residents needing fast, same-day cash with eligibility claims to verify, Gun owners needing a licensed FFL dealer to complete online firearm or NFA item transfers

Miami Gardens Jewelry & Loans Inc logo

Miami Gardens Jewelry & Loans Inc

Pawn shop in Opa-locka, Florida offering collateral-based loans on jewelry, electronics, and valuables with rapid funding and eligibility claims to verify.

BBB: NR

Profile signals: Individuals with bad credit or no credit history researching emergency-cash options, People seeking provider-stated funding timing without lengthy application processes

MONEY TREE PAWN SHOP logo

MONEY TREE PAWN SHOP

Money Tree Pawn Shop in Opa-Locka, FL offers collateral-based cash loans and merchandise sales with over 25 years of operation. They accept jewelry, electronics, tools, firearms, and other valuables.

BBB: NR

Profile signals: People researching short-term cash access who own valuable items they're willing to temporarily pledge, Bargain hunters seeking discounted merchandise across jewelry, electronics, and tools

Pawn Shops in Opa-locka

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AAA Pawnbrokers of Opa Locka logo

AAA Pawnbrokers of Opa Locka

AAA Pawnbrokers of Opa Locka offers short-term cash access for personal property through pawn loans or outright sales, including gold, jewelry, and firearms in Opa Locka, Florida.

BBB: NR

Profile signals: Customers researching short-term cash access ($100-$5,000+) with eligibility claims to verify or bank approval, People with valuable items (gold, jewelry, electronics) they can temporarily part with for short-term loans

King Cash Pawn & Jewelry logo

King Cash Pawn & Jewelry

King Cash Pawn & Jewelry Opa-locka, Florida — King Cash Pawn & Jewelry operates eight locations across South Florida, offering pawn loans, item sales, a...

BBB: NR

Profile signals: South Florida residents researching short-term cash access for collateral they own (jewelry, electronics, instruments, tools), Individuals with urgent short-term liquidity needs who may not meet traditional credit criteria

Lucky Pawn & Jewelry logo

Lucky Pawn & Jewelry

Licensed South Florida pawnbroker offering collateral-based loans, buy/sell of jewelry, electronics, firearms, and vehicles across 4 locations since 2005.

BBB: NR

Profile signals: South Florida residents needing fast, same-day cash with eligibility claims to verify, Gun owners needing a licensed FFL dealer to complete online firearm or NFA item transfers

Miami Gardens Jewelry & Loans Inc logo

Miami Gardens Jewelry & Loans Inc

Pawn shop in Opa-locka, Florida offering collateral-based loans on jewelry, electronics, and valuables with rapid funding and eligibility claims to verify.

BBB: NR

Profile signals: Individuals with bad credit or no credit history researching emergency-cash options, People seeking provider-stated funding timing without lengthy application processes

MONEY TREE PAWN SHOP logo

MONEY TREE PAWN SHOP

Money Tree Pawn Shop in Opa-Locka, FL offers collateral-based cash loans and merchandise sales with over 25 years of operation. They accept jewelry, electronics, tools, firearms, and other valuables.

BBB: NR

Profile signals: People researching short-term cash access who own valuable items they're willing to temporarily pledge, Bargain hunters seeking discounted merchandise across jewelry, electronics, and tools

Free Help in Opa-locka

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Community Fund of North Miami Dade logo

Community Fund of North Miami Dade

Community Fund of North Miami Dade is a non-profit organization offering free financial counseling and assistance to residents in the North Miami Dade area.

BBB: NR

Profile signals: North Miami Dade residents seeking free financial counseling, Small business owners in the local area needing advisory support

Your Rights in Florida

Florida Consumer Protections: Florida allows payday lending with notable consumer-protection context including a statewide database preventing multiple simultaneous loans, a $500 cap, and a 24-hour cooling-off period. The Office of Financial Regulation oversees all consumer lenders. Consumers can file complaints online through the OFR or the Attorney General.

Interest Rate Cap: Florida usury cap: 18% for loans under $500,000; 25% criminal usury threshold; payday loans regulated separately.

Key Regulations:
  • Payday loans (deferred presentment) capped at $500 with maximum fee of $10 per $100 ($300) or $15 per $100 ($300-$500).
  • Borrowers can have only one outstanding payday loan at a time, tracked via a statewide database.
  • A mandatory 24-hour cooling-off period is required between payday loans.
  • The Florida Consumer Finance Act regulates installment lenders with tiered rate caps.

Federal protections: The FCRA gives you the right to dispute inaccurate credit report information for free. Credit repair companies cannot charge before performing services (Credit Repair Organizations Act).

Free resources: Get a free credit report annually at AnnualCreditReport.com. File complaints with Florida Attorney General Consumer Protection Division.

Research Service Guides

Use these guides with local pages, state rules, and provider profiles before contacting a company.

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