No stored Google rating available.
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
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 short-term cash access 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 listed in-person transactions.
This is state-level context for Pawn Shops consumers in Atlantic Beach, FL. It does not confirm that Value Pawn & Jewelry 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.
Value Pawn & Jewelry offers 12 services including Pawn loans (collateral-based, cash on the spot), Gold and diamond jewelry buying (any weight or karat), Pre-owned brand-name retail merchandise (electronics, jewelry, tools, gaming, handbags, sneakers), Online shop with daily new arrivals, Instant Quote tool for electronics (online, no visit required), and 7 more.
Value Pawn & Jewelry has profile signals associated with Consumers who are researching short-term cash access 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.
Key strengths: 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. Areas to consider: 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.
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
Value Pawn & Jewelry is best suited for Miami-area consumers who are researching short-term cash access 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.
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
Answer 3 quick questions to review category, service, and profile context.
1. What's your primary financial goal?
Learn exactly how credit score tiers work, what range you fall into, and the specific steps to move up to the next tier where better rates and approvals wait.
Read guide →Learn exactly how to check your credit score for free using legitimate sources, understand the difference between soft and hard inquiries, and know your rights under federal law.
Read guide →A plain-language breakdown of every factor that goes into your credit score, with specific steps to improve each one even if you're starting from a tough spot.
Read guide →Affiliate Disclosure: CreditDoc may earn a commission when you click links to Value Pawn & Jewelry and other services. These commissions help us maintain our free research. Compensation does not determine whether a provider can be covered; visible star ratings use stored Google review ratings when available. Learn more.