Pawn-Shops · Florida
Rating: 3.9/5
Licensed South Florida pawnbroker offering collateral-based loans, buy/sell of jewelry, electronics, firearms, and vehicles across 4 locations since 2005.
Lucky Pawn & Jewelry is a family-owned pawnbroker founded in 2005 and headquartered in Miami, FL, operating under the legal entity Sunoma Inc. Over more than two decades, the business has grown to four South Florida locations — Miami, Opa-Locka, Oakland Park, and Fort Lauderdale — serving a broad regional customer base. The company holds all required Florida state and municipal pawnbroker licenses, and also carries a Federal Firearms License (FFL #1-59-086-02-1A-31846) issued by the ATF, authorizing it to legally broker firearm sales and transfers.
The business is led by president and owner Igor Melomed.
The core offering is collateral-based pawn loans: customers bring in an item of value, receive a same-day cash loan against it, and have 30 days plus a 30-day grace period to repay and reclaim their property. Renewals are available by paying accrued interest and resetting the principal. No credit check is required at any stage.
Beyond lending, the shop actively buys and sells gold and diamond jewelry, electronics, musical instruments, tools, and vehicles including cars, trucks, and motorcycles. The firearms division adds meaningful depth — Lucky Pawn handles handgun and long-gun transactions and provides NFA (National Firearms Act) item transfers for $50 per firearm. In-store jewelry repair rounds out the service menu.
Few South Florida pawnbrokers operate at this scale or with this range. The FFL and NFA transfer capabilities attract gun owners who purchase firearms online and need a licensed local dealer to complete the legal transfer — a niche most competitors cannot serve. The family-owned structure allows deal flexibility that corporate chains often cannot match. Customer satisfaction is notably strong: a self-reported 4.9/5 rating across locations and a 5.0/5 score from 940 Google reviews at the Opa-Locka location — an unusually high mark for the pawn sector.
Lucky Pawn is a legitimate, well-reviewed operation for customers who need fast, no-credit-check liquidity in the South Florida area. That said, important limitations exist. Specific interest rates and fees are not publicly disclosed — borrowers must visit in-store to understand the full cost before committing.
There is no online portal or mobile app; all transactions are in-person. No BBB rating or accreditation has been confirmed through public records. Most critically, pawn loans carry inherent forfeiture risk: any item not reclaimed within the 60-day window is permanently retained and resold by the shop, with no recovery path for the borrower.
Pledging irreplaceable or high-sentimental-value items without a firm repayment plan is a meaningful financial risk.
Reader-focused summary of the strongest reasons to consider Lucky Pawn & Jewelry and the factors most worth weighing before contracting. Individual outcomes depend on your credit situation and goals.
Lucky Pawn & Jewelry works best for consumers who value no credit check required — pawn loans accessible regardless of credit history and can accept the tradeoff of interest rates and loan fees not publicly disclosed — must inquire in-store befo. 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 Lucky 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
Lucky Pawn & Jewelry offers 12 services including Collateral-based pawn loans (no credit check required), Same-day cash advances against personal property, Gold and diamond jewelry buying and selling, Electronics buying and selling, Musical instruments buying and selling, and 7 more. Confirm current service list directly with the provider before contracting.
Lucky Pawn & Jewelry's profile signals suggest it may fit: South Florida residents needing fast, same-day cash without a credit check; Gun owners needing a licensed FFL dealer to complete online firearm or NFA item transfers; Buyers seeking below-retail secondhand jewelry, electronics, tools, or vehicles; Vehicle owners willing to use a car, truck, or motorcycle as loan collateral. Individual outcomes vary based on your specific situation.
Key strengths: No credit check required — pawn loans accessible regardless of credit history; Same-day cash disbursement on approved collateral; Licensed FFL dealer (ATF #1-59-086-02-1A-31846) enabling legal firearm and NFA item transfers. Areas to consider: Interest rates and loan fees not publicly disclosed — must inquire in-store before committing; No online portal or mobile app — all transactions require a physical visit.
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.
Lucky Pawn & Jewelry serves customers in 1 states including Florida. Confirm current service availability in your state directly with the provider.
Listed pricing for Lucky 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 Lucky 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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Lucky Pawn & Jewelry — Pawn Shops in Florida.
Overall rating: 3.9/5
Licensed South Florida pawnbroker offering collateral-based loans, buy/sell of jewelry, electronics, firearms, and vehicles across 4 locations since 2005.
Common terms that come up when comparing Pawn Shops providers. Full glossary at creditdoc.co/glossary/.