Florida Pawn & Gun logo

Florida Pawn & Gun

3.9/5

Florida Pawn & Gun is a locally-owned pawn shop and firearms retailer in Orlando offering fast cash loans, gun sales, and buy/sell/trade services without credit checks.

Editorially reviewed by Harvey Brooks

Free to Use BBB: NR Free Consultation Visit Website

Florida Pawn & Gun Review

Florida Pawn & Gun operates as a brick-and-mortar pawn shop located at 9318 E. Colonial Drive in Orlando, Florida. The business positions itself as a one-stop shop combining traditional pawn services with a specialized focus on firearms retail, serving both first-time gun buyers and experienced shooters in the Central Florida area.

The company's core offerings include: pawn loans on valuables with no credit check required, purchase and sale of firearms (handguns and rifles), ammunition and gun accessories, buy/sell/trade transactions for items of value (jewelry, electronics, tools, collectibles), and FFL transfer services for firearm purchases. They emphasize fast cash availability, claiming loans can be obtained in minutes with the option to retrieve pawned items at any time during the repayment period.

Florida Pawn & Gun distinguishes itself through extended hours (open 7 days a week, 10am-7pm weekdays, 10am-5pm Saturday, 11am-5pm Sunday), locally-owned and operated status, knowledgeable staff guidance for firearm selection, and a blog featuring firearm education content. The business holds FFL (Federal Firearms License) credentials and provides transfer services, indicating compliance with federal gun regulations.

As a pawn shop, this business is fundamentally a collateral-based lending operation with retail gun sales as a secondary focus. Borrowers should understand that pawn loans involve surrendering physical items as collateral, not unsecured personal loans. Interest rates and loan terms are not disclosed on the website. The business targets gun owners and those needing immediate cash against valuables, but lacks transparency around lending terms that consumers should expect from any creditor.

Services & Features

Pawn loans on valuables with no credit check
Fast cash loans (minutes to funding)
Handgun sales and inventory
Rifle sales and inventory
Ammunition sales
Firearm accessories sales
Item sell services (convert items to cash)
Item trade services (exchange for other products)
Buy/sell/trade for jewelry, electronics, tools, collectibles
FFL transfer services for firearm purchases
Firearm education blog content
In-store expert staff consultation for firearm selection

Feature Checklist

Credit Education
Identity Theft Protection
Score Tracking
Mobile App
Online Portal
Personal Advisor

Pros & Cons

Pros

  • No credit check required for pawn loans, making it accessible to those with poor or no credit history
  • Fast cash availability — loans processed in minutes with same-day funding
  • Extended 7-day-a-week operating hours including weekends for convenience
  • Licensed FFL dealer providing federal compliance and legitimate firearm transfer services
  • One-stop-shop model combining pawn loans, retail gun sales, and trade-in services
  • Locally-owned business with stated commitment to personal service
  • No repayment penalty — customers can retrieve pawned items at any time without pre-payment fees mentioned

Cons

  • No interest rates, fees, or loan terms disclosed on website — borrowers cannot comparison shop or understand true cost
  • Pawning items means surrendering collateral; if unredeemed, items are sold, creating risk of permanent loss
  • No information about APR, grace periods, or renewal terms for loans
  • Firearms focus may alienate consumers seeking general-purpose pawn services for non-gun items
  • Limited transparency on valuation methodology or what determines loan amounts offered for items

Rating Breakdown

Value
5.0
Effectiveness
3.5
Customer Service
3.7
Transparency
3.5
Ease of Use
3.9

Frequently Asked Questions

Is Florida Pawn & Gun legitimate?

Yes. Florida Pawn & Gun is a registered company headquartered in 9318 E Colonial Dr, Orlando, FL 32817. They hold a NR rating with the Better Business Bureau.

Quick Facts

Headquarters
9318 E Colonial Dr, Orlando, FL 32817
BBB Rating
NR
BBB Accredited
No
Starting Price
Free to Use
Setup Fee
None
Free Consultation
Yes
Money-Back Guarantee
No
Visit Florida Pawn & Gun

CreditDoc Diagnosis

Doctor's Verdict on Florida Pawn & Gun

Florida Pawn & Gun is best for gun owners and consumers needing immediate collateral-based loans without credit checks. The critical caveat is that pawn loans require surrendering physical items as collateral; borrowers who cannot repay within the loan period will lose their items, and the website provides no disclosure of interest rates, fees, or terms needed to make an informed borrowing decision.

Best For

  • Gun owners needing immediate short-term cash against valuable items with no credit requirements
  • First-time firearm buyers seeking expert guidance and FFL-compliant purchases
  • Consumers with poor credit or no credit history unable to qualify for traditional loans
  • People looking to sell, trade, or liquidate collectibles, jewelry, or electronics quickly
Updated 2026-04-01

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