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Joyeria Luanda Cash Inc 2 is a Miami-based pawn shop specializing in jewelry, watches, and gold buying with repair services and layaway plans available.
Data compiled from public sources
Joyeria Luanda Cash Inc 2 operates as a neighborhood pawn shop located in Miami, Florida at 10308 W Flagler Street. The business appears to be part of a local business directory and marketing platform (MiamiDirect.us) rather than a standalone independent operation, though it maintains its own phone line and physical storefront presence in the Miami area. The company is listed as a verified member of the MiamiDirect.us business network with an owner-published profile.
The shop offers a range of services centered on jewelry and precious metals transactions. Core services include pawn shop lending against jewelry collateral, buying and selling jewelry, gold buying, watch repair, watch battery replacement, jewelry repair, and layaway plans. They accept multiple payment methods including cash, Mastercard, and Visa. The business maintains a primary contact person listed as Mirta Berrocal and can be reached at +1 305 559 0205.
Joyeria Luanda Cash Inc 2 distinguishes itself through extended hours of operation, opening as early as 4:00 am on Saturdays and 6:00 am on weekdays, catering to customers who may are researching short-term cash access or jewelry services outside standard business hours. The business also maintains an online presence with a separate website (joyerialuandacashinc2.com) in addition to its directory listing. The shop explicitly advertises jewelry repair and watch services alongside pawn lending, positioning itself as a full-service jewelry establishment rather than a basic collateral lender.
As a pawn shop, this business serves the immediate liquidity needs of Miami residents who own jewelry or watches. However, customers should understand that pawn lending typically involves higher interest rates and shorter redemption periods than traditional loans, and jewelry offered as collateral will be sold if not redeemed within the agreed timeframe. The unusually early opening hours and specific focus on jewelry suggest the business may serve a niche customer base with particular scheduling needs or cultural preferences.
This is state-level context for Pawn Shops consumers in Miami, FL. It does not confirm that Joyeria Luanda Cash Inc 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 Luanda Cash Inc offers 8 services including Pawn shop lending against jewelry collateral, Gold buying, Jewelry buying and selling, Watch repair services, Watch battery replacement, and 3 more.
Joyeria Luanda Cash Inc has profile signals associated with Miami residents researching short-term cash access against jewelry or watch collateral, Customers seeking jewelry or watch repair services combined with pawn options, Early morning workers or shift workers who need access during non-standard business hours, Individuals with jewelry or gold items seeking buyer options with same-day transactions.
Key strengths: Extended early morning hours (opens 4:00 am Saturday, 6:00 am weekdays) for short-term cash access; Multiple payment method acceptance including cash, Visa, and Mastercard; Offers repair services (jewelry repair, watch repair, watch batteries) in addition to pawn lending. Areas to consider: Pawn lending typically carries high interest rates and short redemption periods compared to traditional loans; Website primarily functions as a directory listing rather than providing detailed terms, rates, or loan calculator.
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
Joyeria Luanda Cash Inc 2 is best suited for Miami-area customers who own jewelry or watches and need immediate liquidity, particularly those with scheduling constraints requiring early morning access. The primary caveat is that pawn lending involves collateral risk and typically higher costs than traditional loans, with jewelry subject to sale if redemption deadlines are missed; customers should verify specific terms and interest rates before pledging items.
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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