Pawn-Shops · Florida
Rating: 3.9/5
King Cash Pawn & Jewelry Miami Gardens, Florida — King Cash Pawn & Jewelry operates 8 South Florida locations offering pawn loans, gold buying at 95% of...
King Cash Pawn & Jewelry is a regional pawn chain with eight stores across South Florida, marketing itself as the friendliest pawn shop in the communities it serves. The company holds an A+ rating from the Better Business Bureau and employs multilingual staff fluent in English, Spanish, and Haitian Creole — a practical differentiator in South Florida's diverse demographic market. With eight physical locations, its footprint is notably larger than the typical single-store pawn operation.
The company offers three core services. Pawn loans allow customers to borrow cash against personal property held as collateral, with a minimum repayment period of 61 days and no stated maximum. Interest starts at 3% per month (36% APR minimum) — a $100 pawn held for three months costs $109 to redeem, and loans can be extended by paying accrued interest.
Outright sales let customers sell unwanted items for immediate cash, with gold purchased at 95% of current spot value. A retail financing program offers 0% interest for up to 6 months on store purchases, though applicants must have a job and a bank account. Accepted items include gold, diamonds, watches, musical instruments, electronics, and tools.
Several features distinguish King Cash from typical pawn operators. The 95% gold value claim is specific and verifiable — industry norms are typically lower. The MobilePawn iPad app lets active borrowers make payments and extend or renew loans remotely, an uncommon convenience for a regional chain. Free appraisals are available both in-store and via an online submission form, allowing customers to get a value estimate before committing. The multilingual service in Spanish and Creole is a genuine operational capability, not a marketing add-on.
Pawn loans are expensive by any conventional lending standard. At 36% APR minimum, the cost of borrowing exceeds most personal loans and many credit cards. Failing to repay means forfeiting the collateral item — not a credit penalty, but a tangible asset loss that may be significant.
The 0% financing offer is a better deal for retail shoppers but requires steady employment and a bank account, narrowing who can qualify. King Cash fills a legitimate role for consumers who need immediate cash, have valuables to secure against a loan, and lack access to lower-cost credit alternatives — but it is not appropriate for recurring or long-term borrowing.
Reader-focused summary of the strongest reasons to consider King Cash Pawn & Jewelry and the factors most worth weighing before contracting. Individual outcomes depend on your credit situation and goals.
King Cash Pawn & Jewelry works best for consumers who value pays 95% of gold spot value — a specific, above-average rate for gold sellers and can accept the tradeoff of pawn loan interest starts at 36% apr — expensive compared to personal loans or c. Compare against similar providers below before signing any contract.
Before signing up with any Pawn Shops provider, review these safeguards:
Match these decision factors against King Cash Pawn & Jewelry's profile before committing. This rubric mirrors what independent consumer-finance research typically checks for Pawn Shops providers.
Pawn Shops
12 services listed
1 states
King Cash Pawn & Jewelry offers 12 services including Collateral pawn loans (minimum 61-day term, 3%/month interest), Pawn loan extensions by paying accrued interest, Outright purchase of gold and diamonds at 95% of spot value, Outright purchase of watches, Outright purchase of musical instruments, and 7 more. Confirm current service list directly with the provider before contracting.
King Cash Pawn & Jewelry's profile signals suggest it may fit: South Florida residents needing same-day cash and willing to put up valuables as collateral; Gold and jewelry owners seeking a competitive sale price without going to a dealer; Spanish or Haitian Creole speakers who need bilingual financial service; In-store shoppers wanting short-term 0% financing with minimal credit requirements. Individual outcomes vary based on your specific situation.
Key strengths: Pays 95% of gold spot value — a specific, above-average rate for gold sellers; Free appraisals available both in-store and via online submission form; 8 physical locations across South Florida for convenient access. Areas to consider: Pawn loan interest starts at 36% APR — expensive compared to personal loans or credit unions; Failure to repay means permanent loss of the pawned item, not just a credit ding.
In the Pawn Shops category, comparable providers include 14k Pawn, A Plus a Pawn Shop, A-Wise Loan & Jewelry. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
King Cash Pawn & Jewelry serves customers in 1 states including Florida. Confirm current service availability in your state directly with the provider.
Listed pricing for King Cash Pawn & Jewelry: monthly price: 0; setup fee: 0; money back guarantee: False. Pricing may change — verify current fees directly with the provider before signing any contract.
This is state-level context for Pawn Shops consumers in Florida. It does not confirm that King Cash Pawn & Jewelry or this specific location is licensed.
Payday lending in Florida: Legal (max $500)
Usury cap: 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.
Comparable Pawn Shops providers with similar service scope. Ratings reflect stored review context; verify current licensing and pricing directly before contracting.
14K Pawn is a pawn shop and jewelry buyer located in Highland Park, MI, offering collateral-based loans and precious metals purchasing services.
Rating 4.1/5
Notable: No credit check required—immediate access to cash based on collateral value
A Plus A Pawn Shop offers collateral-based loans at their Los Angeles location on S Alvarado Street, with extended hours and accessible phone contact.
Rating 4.4/5
Notable: Extended hours including Sundays (8 AM - 6 PM) provide accessibility for working customers
Nashville-based pawn shop offering collateral-based loans on jewelry, electronics, instruments, and vehicles with no credit check required. Also buys items o...
Rating 4.4/5
Notable: No credit check required—accessible to those with poor or no credit history
Family-owned pawn shop in Kirkland, WA with locations in Las Vegas, buying gold, jewelry, electronics, and offering collateral-based loans since 2010.
Rating 4.4/5
Notable: GIA-trained appraisers on staff for accurate precious metals and jewelry evaluation
AAA Pawnbrokers of North Miami buys, sells, and pawns gold, jewelry, firearms, and general merchandise. Multi-award-winning shop open 6 days weekly with on-s...
Rating 4.5/5
Notable: Specialized expertise in firearms buying, selling, pawning, and trading with diverse inventory
Memphis-based retailer specializing in firearms, ammunition, and accessories, plus collateral-based loans on items of value with no credit checks required.
Rating 2.5/5
Notable: No credit checks required for loans—accessible to consumers with poor or no credit history
Ace Pawn Shop is a collateral-based lending business located in Columbus, OH's Lincoln Village Shopping Center, offering pawn loans and related financial services.
Rating 4.2/5
Notable: Conveniently located in Lincoln Village Shopping Center with dedicated storefront access
FirstCash is the leading international operator of pawn stores with 3,300+ locations across 29 U.S. states, D.C., UK, and Latin America. They provide pawn lo...
Rating 4.2/5
Notable: Massive network of 3,300+ locations across 29 U.S. states, D.C., UK, and Latin America for convenient access
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King Cash Pawn & Jewelry — Pawn Shops in Florida.
Overall rating: 3.9/5
King Cash Pawn & Jewelry Miami Gardens, Florida — King Cash Pawn & Jewelry operates 8 South Florida locations offering pawn loans, gold buying at 95% of...
Common terms that come up when comparing Pawn Shops providers. Full glossary at creditdoc.co/glossary/.