No stored Google rating available.
American Pawn in North Miami offers fast cash loans using personal items as collateral. Open weekdays and Saturday mornings with convenient SR-7 location.
Data compiled from public sources
American Pawn operates as a pawn shop located in North Miami, Florida, at 13007 SR-7 between NW 130th and NW 131st Streets. The business model centers on providing immediate liquidity to consumers by accepting personal goods—jewelry, electronics, musical instruments, and other valuables—as collateral for short-term loans. This traditional pawn shop approach has served as an alternative financial access point for decades, particularly for unbanked or underbanked consumers researching short-term cash access with eligibility claims to verify.
American Pawn's core service is straightforward: customers can bring in quality goods and receive short-term cash access loans based on the assessed value of those items. The business advertises this as "short-term cash access for quality goods," indicating their focus on rapid transaction processing and selective acceptance of merchandise. The pawn model allows customers to reclaim their items by repaying the loan plus interest within a specified timeframe, or the shop retains ownership and sells the items if the loan goes unpaid.
The business distinguishes itself through convenient operating hours—open 9 AM to 6 PM Monday through Friday, 10 AM to 2 PM Saturday, and closed Sunday. The mid-range pricing tier ($$) suggests moderate loan amounts and reasonable terms compared to some competitors. Their North Miami location provides accessibility to the local community, and the direct phone line (305) 769-1501 enables quick inquiries about item valuations.
However, pawn shops carry inherent limitations. Interest rates on pawn loans, while typically lower than payday loans, still represent a cost to borrowing. Customers lose access to their items during the loan period, which can be problematic if those goods have sentimental or immediate practical value. The business model also depends on accurate item appraisal and fair valuation—factors not detailed on the listing. No information is provided about their specific terms, interest rates, loan duration, or redemption policies.
This is state-level context for Pawn Shops consumers in North Miami, FL. It does not confirm that American 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.
American Pawn offers 8 services including Pawn loans against personal valuables, Fast cash advances on collateral, Item appraisal and valuation, Jewelry loans, Electronics loans, and 3 more.
American Pawn has profile signals associated with Consumers researching short-term cash access with no credit history or active credit issues, People with valuable items (jewelry, electronics, instruments) they can temporarily part with, Individuals seeking collateral-based loans without debt obligations to credit reports.
Key strengths: short-term cash access availability with eligibility and income-verification claims to verify; Convenient weekday hours (9 AM–6 PM Monday–Friday) plus Saturday morning service; Direct phone line for quick valuations and inquiries. Areas to consider: No information provided about interest rates, loan terms, or redemption periods; Customers lose access to personal items during entire loan duration.
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.
No Website Currently Available
CreditDoc Profile Note
American Pawn is profile signals for consumers facing short-term cash access shortages who own valuable items they can temporarily pledge as collateral. The primary caveat is the complete absence of disclosed terms—interest rates, loan duration, redemption fees, and valuation methodology are not provided, making it essential to call ahead or visit in person to understand exact costs and conditions before pledging items.
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
Answer 3 quick questions to review category, service, and profile context.
1. What's your primary financial goal?
A plain-English breakdown of every credit score range — what each number actually means for your loans, cards, and daily life, plus exactly what to do about yours.
Read guide →A plain-English breakdown of what credit products, loans, and cards you can realistically get at every credit score level — from deep subprime to excellent.
Read guide →Learn exactly how to check your credit score for free using legitimate sources, understand the difference between soft and hard inquiries, and know your rights under federal law.
Read guide →Affiliate Disclosure: CreditDoc may earn a commission when you click links to American Pawn and other services. These commissions help us maintain our free research. Compensation does not determine whether a provider can be covered; visible star ratings use stored Google review ratings when available. Learn more.