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A-Universal Pawn is a pawn shop located in Tampa, Florida offering collateral-based loans and merchandise sales at 3911 W Waters Ave.
Data compiled from public sources
A-Universal Pawn operates as a traditional pawn shop in Tampa, Florida, serving the local community from its location on W Waters Avenue. The business model centers on providing quick access to cash by accepting personal items of value as collateral, a common service among pawn shops that serves consumers needing immediate liquidity with eligibility claims to verify or lengthy approval processes. A-Universal Pawn maintains consistent business hours Tuesday through Saturday from 10:00 AM to 5:00 PM, indicating a stable brick-and-mortar operation.
org and can be reached by phone at (813) 933-8644 for inquiries. Customers can bring in items of value such as jewelry, electronics, musical instruments, or other valuables to receive cash loans or direct purchases. The pawn model offers speed and accessibility compared to traditional lenders, as transactions can often be completed quickly without extensive credit verification or income documentation.
The company's presence in the Tampa market near major landmarks and facilities suggests it serves both residential and transient populations. A-Universal Pawn's consistent operating hours and maintained website indicate professional business operations within the pawn industry. The business operates within Florida's pawn shop regulatory framework, which includes specific requirements for documentation and holding periods.
Prospective customers should understand that pawn transactions involve interest charges and storage fees, and failure to reclaim pawned items results in the loss of that collateral. While pawn shops provide short-term cash access, the total cost of borrowing through pawning is typically higher than traditional loans due to these accumulated fees. This service is most appropriate for those with items of genuine value and those who prefer asset-based lending without credit inquiries.
This is state-level context for Pawn Shops consumers in Tampa, FL. It does not confirm that A-Universal Pawn or this specific location is licensed.
State regulator
Florida Office of Financial Regulation
Consumer protection
Short-term lending status: Legal
General rate context: 18% for loans under $500,000; 25% criminal usury threshold; payday loans regulated separately
Florida allows payday lending with notable consumer protections 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.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
A-Universal Pawn offers 8 services including Pawn loans (short-term loans using personal items as collateral), Item purchase (buying used merchandise outright), Used merchandise sales, Jewelry transactions, Electronics trading/selling, and 3 more.
A-Universal Pawn has profile signals associated with Consumers researching short-term cash access with eligibility claims to verify who have items of value, Individuals seeking collateral-based loans as alternative to traditional lending, Those with unused jewelry, electronics, or other valuables to sell or use as loan collateral.
Key strengths: short-term cash access with eligibility claims to verify or lengthy approval processes; Located in accessible Tampa area near major transit and landmarks; Consistent business hours Tuesday-Saturday for customer convenience. Areas to consider: Limited factual service details available through Waze listing; full service menu not documented in source material; Pawn transactions carry interest and storage fees that accumulate over the loan period, making total cost of borrowing high.
In the Pawn Shops category, comparable providers include InstaLoan, Pawn Jewelry - Orlando, FL, Pawn Jewelry - Tampa, FL. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
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CreditDoc Profile Note
A-Universal Pawn is profile signals for consumers in the Tampa area who own items of value and are researching short-term cash access without credit verification or bank approval. The main caveat is that pawn lending carries cumulative interest and storage fees, making it an expensive borrowing method compared to traditional loans—use only when speed is critical and you have valuable collateral you can afford to lose.
Brandon, FL is served by InstaLoan's pawn shop at 1403 W Brandon Blvd, open Mon-Sat for short-term cash access loans and asset sales.
Profile signals: Florida or Georgia residents with bad or no credit who need cash within the same day, Vehicle owners with a clear title (no active financing) who need to borrow against it without surrendering the car
Diamond Banc Orlando offers collateral loans and outright purchases for fine jewelry, diamonds, and luxury watches, charging 2.5%/month with no setup fees or prepayment penalties.
Profile signals: Luxury jewelry owners who need fast liquidity without permanently selling their pieces, Rolex or designer watch owners seeking higher loan amounts than traditional pawn shops offer
Diamond Banc Tampa offers collateral-based equity loans and outright purchases of fine jewelry, diamonds, and luxury watches — a premium alternative to traditional pawn shops.
Profile signals: Owners of high-value fine jewelry or luxury watches ($50,000+) who need fast short-term liquidity, Borrowers who cannot or prefer not to use their credit profile to qualify for a loan
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