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Cashirulo Joyeria is a pawn shop located in Miami, FL specializing in jewelry and collateral-based lending services.
Data compiled from public sources
Cashirulo Joyeria operates as a pawn shop in the Little Havana neighborhood of Miami, Florida, serving the local community since establishment at 3448 SW 8th Street. The business model centers on collateral-based lending, a financial service that allows customers to borrow money by pledging personal items—particularly jewelry and gold—as security. This traditional form of consumer finance predates modern credit systems and remains widely used among consumers who need quick access to cash with eligibility claims to verify or extensive underwriting.
Pawn shops like Cashirulo Joyeria fill a niche in the financial services landscape for individuals who may not qualify for traditional bank loans or prefer expedited transactions. The company offers the ability to sell jewelry outright or leverage it for short-term loans, with customers having the option to reclaim their items by repaying the loan amount plus interest and fees within a specified period. Cashirulo Joyeria's location on SW 8th Street places it in a densely populated, culturally diverse area of Miami with significant foot traffic and local clientele.
The business maintains basic operational transparency through its listed contact information and physical storefront presence. However, like all pawn operations, the company operates in a heavily regulated industry with varying state and local compliance requirements. Customers should understand that pawn loans typically carry higher interest rates than bank loans, and failure to repay results in permanent loss of pledged items.
The lack of detailed service descriptions on their directory listing limits visibility into specific loan terms, rates, redemption periods, or inventory. Prospective customers would need to visit in person or call to understand exact terms, fees, and available services.
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 loans using jewelry as security, Gold buying and jewelry purchases, Pawn loans with redemption options, Short-term cash advances against personal valuables, Jewelry appraisal and valuation services, and 3 more.
Cashirulo Joyeria has profile signals associated with Individuals researching short-term cash access with eligibility claims to verify or bank approval, People with jewelry or gold items they're willing to pledge as collateral, Customers in the Miami area seeking immediate liquidity without loan applications.
Key strengths: Physical storefront location in Miami with established presence on SW 8th Street; Direct phone line (305) 569-7654 available for customer inquiries; eligibility claim to verify for collateral-based loans. Areas to consider: Limited online presence and no detailed service information on their directory listing; No transparency regarding interest rates, fees, or loan terms on available platforms.
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
Cashirulo Joyeria is profile signals for Miami-area residents who are researching short-term cash access and have jewelry or gold items they can pledge as collateral, particularly those unable to access traditional bank loans. The main caveat is that pawn loans carry high interest rates and you forfeit your item if you cannot repay by the deadline; customers should only use this service when they understand and accept these terms.
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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