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Cachirulo Joyeria is a pawn shop located in Miami, FL specializing in jewelry and collateral-based lending services.
Data compiled from public sources
Cachirulo Joyeria operates as a pawn shop in the Allapattah neighborhood of Miami, Florida, serving the local community with jewelry-related financial services. The business is established at 3448 SW 8th Street and has been operating in this location for several years, becoming a recognizable establishment in the area. Like traditional pawn shops, Cachirulo Joyeria functions as a collateral-based lending institution that accepts jewelry and other items of value as security for loans.
The shop maintains regular business hours and can be contacted directly via phone for inquiries about their services and current inventory. Operating within the pawn shop category, Cachirulo Joyeria provides an alternative financial solution for individuals who need quick access to cash without undergoing traditional credit checks or loan applications. Their specialization in jewelry suggests they have experience context in assessing the value of gold, silver, diamonds, and other precious items commonly pawned or sold.
The business model allows customers to either pawn items temporarily with the intention of repayment or sell jewelry outright for short-term cash access. Cachirulo Joyeria's physical storefront location makes it accessible to walk-in customers in the Miami community who may need immediate financial assistance. The company's focus on jewelry specifically positions them as a listed pawn operation rather than a general merchandise pawn shop.
However, the available website content is minimal and does not provide detailed information about loan terms, interest rates, redemption periods, or specific jewelry evaluation processes. The listing appears to be a basic directory entry rather than a comprehensive business website with detailed service information. For consumers considering using this service, the lack of listed online information about terms and conditions represents a limitation in evaluating their offerings.
This is state-level context for Pawn Shops consumers in Miami, FL. It does not confirm that Cachirulo Joyeria 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.
Cachirulo Joyeria offers 8 services including Pawn loans using jewelry as collateral, Jewelry appraisal and valuation, Gold buying and selling, Jewelry purchase services, Collateral-based lending, and 3 more.
Cachirulo Joyeria has profile signals associated with Miami residents researching short-term cash access for jewelry or collateral they own, Individuals without access to traditional bank lending or credit, People seeking quick short-term loans secured by jewelry items, Customers in the Allapattah neighborhood looking for local pawn services.
Key strengths: Physical storefront location in Miami accessible for walk-in customers; Direct phone contact available (305) 569-7654 for immediate inquiries; Established local business with recognition in the Allapattah neighborhood. Areas to consider: Minimal online presence with no detailed website providing service terms or rates; No published information about loan interest rates, fees, or redemption periods.
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.
CreditDoc Profile Note
Cachirulo Joyeria is profile signals for Miami-area residents who own jewelry and are researching short-term cash access without traditional credit approval. The primary caveat is the complete lack of listed online information about loan terms, interest rates, redemption periods, or fees—making it essential to visit in person or call directly to understand their specific offerings and costs before engaging their services.
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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