Part of the Value Pawn & Jewelry chain · locations
Value Pawn & Jewelry logo

Value Pawn & Jewelry in Kissimmee, FL

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Kissimmee, FL's Value Pawn & Jewelry at 4770 W Irlo Bronson Memorial Hwy provides pawn loans, jewelry buying, and quick cash services.

Data compiled from public sources

Value Pawn & Jewelry Review

Located at 4770 W Irlo Bronson Memorial Highway in Kissimmee, FL, Value Pawn & Jewelry is a standalone pawn shop serving the Kissimmee area. The store is open Monday through Friday from 9AM to 7PM, Saturday 9AM to 6PM, and Sunday 12PM to 5PM, giving you flexible hours to visit.

At this Kissimmee location, you can get fast pawn loans using jewelry, electronics, tools, or other items as collateral. The shop also buys jewelry outright and offers short-term cash access for items you no longer need. For details about current rates or to discuss your specific items, call 407-396-1880.

If you are researching short-term cash access in Kissimmee, FL, bring a valid ID and your item. Value Pawn & Jewelry has been serving the local community with listed, fair pricing and professional service.

Services & Features

Auto Loans (specialty service at this location)
EZ+ Rewards loyalty program with points on eligible transactions
Firearms sales (specialty service at this location)
Gold and diamond jewelry buying with on-site precious metal testing
Instant Quote tool for online electronics valuation
Jewelry VIP Program (guaranteed loan value, trade-up credits, stone replacement, cleaning)
Layaway (10% down, monthly payment plan)
Online shop with daily new inventory arrivals
Pawn loans (collateral-based short-term loans)
Pre-owned retail merchandise sales at 25–70% off retail prices
Product Protection Plan for electronics and merchandise
Take Today flexible payment financing via third-party partners

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • Part of EZPAWN chain with a functioning online shop — browse and purchase inventory remotely
  • EZ+ Rewards program earns points on pawn, redemption, sell, and purchase transactions
  • Instant Quote tool lets customers estimate electronics value online before visiting the store
  • Layaway available year-round with only 10% down and affordable monthly payments
  • Jewelry VIP Program offers guaranteed loan amounts, 100% trade-up credits, free stone replacement, and free cleaning
  • Specialty services at this location include Firearms and Auto Loans — not offered at all EZPAWN stores
  • Sunday hours available (12–5pm), accommodating customers who cannot visit on weekdays

Cons

  • Pawn loan fees and APR are not disclosed on the website — customers must inquire in-store for full cost of borrowing
  • 'Take Today' financing requires third-party credit approval and is not guaranteed for all applicants
  • Items not redeemed within the loan period are forfeited permanently with no recovery option
  • Not all services are available in all areas; online payments are restricted in certain states
  • No information on maximum loan amounts, loan terms, or interest rate ranges is provided publicly

State Consumer Finance Context

This is state-level context for Pawn Shops consumers in Kissimmee, FL. It does not confirm that Value Pawn & Jewelry or this specific location is licensed.

State regulator

Florida Office of Financial Regulation

Money services context in Florida

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.

Key state rules to check

  • Payday loans (deferred presentment) capped at $500 with maximum fee of $10 per $100 ($300) or $15 per $100 ($300-$500).
  • Borrowers can have only one outstanding payday loan at a time, tracked via a statewide database.
  • A mandatory 24-hour cooling-off period is required between payday loans.

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Frequently Asked Questions

What services does Value Pawn & Jewelry offer?

Value Pawn & Jewelry offers 12 services including Pawn loans (collateral-based short-term loans), Gold and diamond jewelry buying with on-site precious metal testing, Pre-owned retail merchandise sales at 25–70% off retail prices, Instant Quote tool for online electronics valuation, EZ+ Rewards loyalty program with points on eligible transactions, and 7 more.

What profile signals are listed for Value Pawn & Jewelry?

Value Pawn & Jewelry has profile signals associated with Miami residents who are researching short-term cash access and can collateralize electronics, jewelry, tools, or other valuables, Bargain shoppers seeking pre-owned brand-name electronics, jewelry, and gear at 25–70% off retail, Consumers with gold or diamond jewelry to sell who want on-site testing and same-day payment, Shoppers who need flexible payment options like layaway but do not qualify for traditional credit financing.

What are the strengths and weaknesses of Value Pawn & Jewelry?

Key strengths: Part of EZPAWN chain with a functioning online shop — browse and purchase inventory remotely; EZ+ Rewards program earns points on pawn, redemption, sell, and purchase transactions; Instant Quote tool lets customers estimate electronics value online before visiting the store. Areas to consider: Pawn loan fees and APR are not disclosed on the website — customers must inquire in-store for full cost of borrowing; 'Take Today' financing requires third-party credit approval and is not guaranteed for all applicants.

How does Value Pawn & Jewelry compare to similar companies?

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.

Quick Facts

Headquarters
4770 W Irlo Bronson Memorial Hwy, Kissimmee, FL 34746
BBB Accredited
No
Visit Value Pawn & Jewelry

CreditDoc Profile Note

Research Note on Value Pawn & Jewelry

Value Pawn & Jewelry is best suited for Miami residents who are researching short-term cash access against personal property or who want deeply discounted pre-owned goods with flexible payment options. The primary caveat is that pawn loan costs — including fees and forfeiture risk — are not disclosed online, making it essential to review full terms in-store before agreeing to any loan transaction.

Profile Signals

  • Miami residents who are researching short-term cash access and can collateralize electronics, jewelry, tools, or other valuables
  • Bargain shoppers seeking pre-owned brand-name electronics, jewelry, and gear at 25–70% off retail
  • Consumers with gold or diamond jewelry to sell who want on-site testing and same-day payment
  • Shoppers who need flexible payment options like layaway but do not qualify for traditional credit financing
Updated 2026-05-08

Similar Companies

InstaLoan logo

InstaLoan

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.

BBB: A+

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

Pawn Jewelry - Orlando, FL logo

Pawn Jewelry - Orlando, FL

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.

BBB: A+

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

Pawn Jewelry - Tampa, FL logo

Pawn Jewelry - Tampa, FL

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.

BBB: A+

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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Quick Summary

  • Value Pawn & Jewelry is listed as a Pawn Shops provider in Kissimmee, FL on CreditDoc.
  • Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
  • If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
  • For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.

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