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Joyeria Jovanni & Pawn Shop is a Miami-based pawn and jewelry business offering collateral-based loans, jewelry sales, and repair services with 7-day-a-week availability.
Data compiled from public sources
Joyeria Jovanni & Pawn Shop operates as a pawn shop and jewelry retailer located at 4635 NW 7th Street in Miami, Florida's Allapattah neighborhood. The business serves the local community as both a pawn service provider and jewelry establishment, operating under a secondhand stores classification while functioning within the pawn shop vertical.
The shop offers pawn loans using jewelry and other collateral as security, jewelry sales, and jewelry repair services. They maintain extended operating hours to serve their customer base and accept multiple payment methods including cash, debit cards, credit cards (American Express, Visa, MasterCard), making transactions accessible to various customers. The business is wheelchair accessible, indicating physical accommodation for customers with mobility needs.
Joyeria Jovanni distinguishes itself through seven-day-a-week operations (9 AM to 7 PM daily), providing consistent access to pawn services without weekend closures. The location at the intersection of NW 47th Avenue and NW 45th Avenue places it within Miami's established jewelry and pawn corridor, with multiple competing pawn shops in the immediate vicinity (0.4 to 0.8 miles away), suggesting a neighborhood known for such services.
The company's online presence is minimal—no dedicated website, no email contact listed, and limited digital footprint beyond the business directory listing. Customer review data is absent from the available content, making it difficult to assess service quality or reputation. The business appears to operate primarily as a walk-in establishment reliant on local foot traffic and phone contact rather than digital engagement.
This is state-level context for Pawn Shops consumers in Miami, FL. It does not confirm that Joyeria Jovanni & Pawn Shop 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.
Joyeria Jovanni & Pawn Shop offers 8 services including Pawn loans using jewelry and collateral as security, Jewelry sales (secondhand inventory), Jewelry repair services, Cash disbursement for pawn transactions, Collateral-based lending, and 3 more.
Joyeria Jovanni & Pawn Shop has profile signals associated with Miami residents needing same-day or quick access to cash via collateral-based loans, Customers seeking to buy, sell, or repair jewelry in the Allapattah neighborhood, Individuals without credit access who can use personal items as loan collateral.
Key strengths: Seven-day-a-week operation with consistent 9 AM–7 PM hours, including weekends; Wheelchair accessible location accommodating customers with mobility needs; Multiple payment methods accepted (cash, debit, American Express, Visa, MasterCard). Areas to consider: No dedicated website or email contact, limiting digital accessibility and information gathering; Minimal online reviews or customer feedback available to assess service reputation.
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.
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CreditDoc Profile Note
Joyeria Jovanni & Pawn Shop is profile signals for Miami residents seeking quick, collateral-based cash access or jewelry buying/selling services in their local neighborhood. The main caveat is the lack of online transparency regarding loan terms, rates, and fees, requiring in-person or phone contact to understand specific lending conditions.
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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