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Part of the Value Pawn & Jewelry chain · locations
Value Pawn & Jewelry in Atlantic Beach, FL
Atlantic Beach, FL's Value Pawn & Jewelry at 1099 Atlantic Blvd offers quick cash loans, gold buying, and jewelry sales.
Data compiled from public sources · Rating from CreditDoc methodology
Value Pawn & Jewelry Review
Value Pawn & Jewelry operates at 1099 Atlantic Blvd in Atlantic Beach, FL, in a standalone storefront convenient to residents and visitors of this coastal community. The shop is open Monday through Friday from 9 AM to 7 PM, Saturday 9 AM to 6 PM, and Sunday 12 PM to 5 PM, making it accessible for those needing quick access to pawn services or jewelry purchases during the week or weekend.
This Atlantic Beach location provides full pawn shop services including collateral-based loans, gold and precious metal buying, jewelry sales, and electronics transactions. Call 904-247-7772 to inquire about current rates, items in stock, or to ask about bringing in items for evaluation or loan consideration.
For Atlantic Beach residents seeking immediate cash against jewelry or valuables, this location provides a straightforward pawn solution. Bring valid identification and be prepared to discuss the item's condition and value. Value Pawn & Jewelry focuses on fair evaluations and transparent in-person transactions.
Services & Features
"Take Today" third-party installment financing (up to 12+ months, credit-based)
Auto loans (available at this location)
EZ+ Rewards Program (points on transactions, online account management)
Firearms (available at this location)
Gold and diamond jewelry buying (any weight or karat)
Instant Quote tool for electronics (online, no visit required)
Jewelry VIP Program (guaranteed loan amounts, free cleaning, stone replacement)
Layaway (10% down, monthly payments)
Online shop with daily new arrivals
Pawn loans (collateral-based, cash on the spot)
Pre-owned brand-name retail merchandise (electronics, jewelry, tools, gaming, handbags, sneakers)
Product Protection Plan for electronics and merchandise
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Part of the EZPAWN chain — standardized pricing practices and an online account management portal
- Instant Quote tool lets customers get electronics estimates online before visiting the store
- EZ+ Rewards Program earns points on pawn, redeem, sell, and purchase transactions
- Layaway available year-round with only 10% down and monthly payments
- "Take Today" financing option for purchases, with terms up to 12+ months depending on credit
- Open seven days a week including Sundays (12–5 PM) with extended weekday hours to 7 PM
- On-site precious metal testing to help ensure accurate gold and diamond valuations
Cons
- Pawn loans are subject to fees and terms not disclosed on the website — effective APRs on pawn loans are typically very high
- "Take Today" installment financing is through unnamed third-party companies, so rates and terms are opaque until in-store
- Loan amounts are limited to the appraised value of collateral, which the store determines unilaterally
- Online payments not available in some states; limited self-service outside of EZPAWN's supported regions
- All retail merchandise is pre-owned — no manufacturer warranties unless a separate Protection Plan is purchased
Rating Breakdown
Value 5.0
Effectiveness 3.5
Customer Service 3.7
Transparency 3.5
Ease of Use 3.9
Frequently Asked Questions
Is Value Pawn & Jewelry legitimate?
Yes. Value Pawn & Jewelry is a registered company, headquartered in 1099 Atlantic Blvd, Atlantic Beach, FL 32233.
Quick Facts
- Headquarters
- 1099 Atlantic Blvd, Atlantic Beach, FL 32233
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on Value Pawn & Jewelry
Value Pawn & Jewelry is best suited for Miami-area consumers who need immediate cash against personal property or want discounted pre-owned merchandise, especially those without access to traditional credit. The main caveat is that pawn loan fees are not disclosed online and are typically equivalent to triple-digit APRs — borrowers should treat this as a last resort for short-term cash needs, not a low-cost credit product.
Best For
- Consumers who need fast cash and own electronics, jewelry, tools, or other valuables to use as collateral
- Shoppers seeking brand-name electronics, jewelry, or tools at 25–70% below retail prices
- Individuals with no bank account or poor credit who cannot qualify for conventional short-term loans
- Sellers looking to liquidate gold or diamond jewelry quickly at a tested, assessed price
Updated 2026-04-29
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