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Money Tree Pawn Shop in Opa-Locka, FL offers collateral-based cash loans and merchandise sales with over 25 years of operation. They accept jewelry, electronics, tools, firearms, and other valuables.
Data compiled from public sources
Money Tree Pawn Shop has operated in Opa-Locka, Florida for over 25 years, establishing itself as a neighborhood pawn operation focused on customer relationships and accessibility. The business functions as a traditional pawn shop, accepting valuable items as collateral for short-term cash loans and reselling merchandise to bargain buyers.
The shop accepts a wide range of collateral including gold and diamond jewelry, tools, electronics, musical instruments, firearms, and power equipment. For customers seeking loans, they advertise competitive interest rates on cash advances. For buyers, they offer merchandise purchases with flexible payment options including cash, debit, credit, and interest-free layaway arrangements. The business operates seven days a week with extended hours most weekdays (8:30 AM–7:00 PM).
Money Tree differentiates itself through emphasis on customer service and personal relationships, explicitly stating they "treat everyone like family" and "care about customers getting back their priceless merchandise." This suggests a philosophy prioritizing customer redemption of pawned items rather than aggressive inventory acquisition. The shop maintains accessibility features and positions itself as family-friendly.
Limited public data exists about this operation—only one review is visible on the listing (5 stars, praising employee "Sly" for friendly and quick service). The business lacks detailed transparency about specific loan terms, APR rates, redemption periods, or fee structures beyond the claim of "lowest interest rates." As with all pawn shops, this model involves temporary surrender of personal property, and actual terms should be verified directly.
This is state-level context for Pawn Shops consumers in Opa-locka, FL. It does not confirm that MONEY TREE 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.
MONEY TREE PAWN SHOP offers 9 services including Cash loans against jewelry collateral, Cash loans against electronics collateral, Cash loans against tools and power equipment, Cash loans against firearms, Cash loans against musical instruments, and 4 more.
MONEY TREE PAWN SHOP has profile signals associated with People researching short-term cash access who own valuable items they're willing to temporarily pledge, Bargain hunters seeking discounted merchandise across jewelry, electronics, and tools, Buyers interested in interest-free payment plans through layaway.
Key strengths: Over 25 years of operating history in the community; Wide range of accepted collateral including jewelry, electronics, firearms, and tools; Seven days a week operating schedule with extended weekday hours. Areas to consider: No specific APR rates, fees, or loan terms disclosed on listing; Requires surrender of personal property as collateral, creating retrieval risk.
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
Money Tree Pawn Shop is suitable for individuals who own valuable items and are researching short-term cash access, or buyers seeking discounted merchandise. The primary caveat is that pawn loans require surrendering personal property, and specific terms (APR, redemption periods, fees) must be confirmed directly by phone at (305) 685-9663 rather than relying on promotional claims.
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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