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Cachirulo Joyeria is a pawn shop located in Miami's Little Havana neighborhood specializing in jewelry and collateral-based lending services.
Data compiled from public sources
Cachirulo Joyeria operates as a pawn shop in Miami, Florida, serving the Little Havana community at 3448 SW 8th Street. The business has been established in this location, which is a hub for jewelry and precious metals trading in the area. Like traditional pawn shops, Cachirulo Joyeria provides collateral-based lending services, allowing customers to pledge jewelry and other valuables as security for short-term loans.
The business model focuses on quick access to cash for those who need immediate liquidity without undergoing traditional credit checks or lengthy loan approval processes. The business operates with extended hours to serve the local community and maintains a straightforward transaction-based model typical of pawn operations. Customers can contact the business directly via phone or visit the physical location to inquire about jewelry sales, appraisals, and loan options.
Cachirulo Joyeria's primary distinction is its location in Miami's established Little Havana neighborhood, which has a strong jewelry trading culture and community base. The business benefits from being in a densely populated area with consistent foot traffic and customer familiarity with pawn shop services. The direct phone line and physical storefront location represent the traditional, accessible approach to neighborhood pawn operations.
However, the available website information is extremely limited, containing only basic contact information and location details without substantive details about loan terms, interest rates, fees, jewelry valuation processes, or customer testimonials. This lack of transparency makes it difficult to assess the company's specific competitive advantages or operational practices compared to other pawn shops. Prospective customers should contact the business directly to obtain detailed information about lending terms, rates, and specific services before engaging.
This is state-level context for Pawn Shops consumers in Miami, FL. It does not confirm that Cashirulo 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.
Cashirulo Joyeria offers 8 services including Collateral-based lending against jewelry, Jewelry buying and sales, Precious metals trading, In-person jewelry appraisals, Short-term loans secured by valuables, and 3 more.
Cashirulo Joyeria has profile signals associated with Miami residents researching short-term cash access against jewelry or valuables, Customers seeking collateral-based loans with eligibility claims to verify, Individuals wanting to buy or sell jewelry in the Little Havana area.
Key strengths: Located in established Little Havana neighborhood with strong jewelry trading community; Direct phone contact available for customer inquiries; Physical storefront location accessible for walk-in customers. Areas to consider: Website provides minimal information about loan terms, interest rates, or fees; No online application or quote system available.
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 residents in the Little Havana area who need rapid cash access and own jewelry or precious metals to pledge as collateral. The main caveat is that the company's web presence is minimal, offering virtually no information about loan terms, rates, or fees—making direct contact essential before committing to any transaction.
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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