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Part of the Value Pawn & Jewelry chain · locations
Value Pawn & Jewelry in Lakeland, FL
Lakeland, FL: Value Pawn & Jewelry at 2942 US Hwy 98 N offers pawn loans, jewelry sales, and quick cash for valuables.
Data compiled from public sources · Rating from CreditDoc methodology
Value Pawn & Jewelry Review
Value Pawn & Jewelry in Lakeland, FL is located at 2942 US Hwy 98 N, a convenient Highway 98 location serving the Lakeland area. The shop operates Monday through Friday from 9 AM to 7 PM, Saturday from 9 AM to 6 PM, and Sunday from 12 PM to 5 PM.
At this Lakeland location, you can sell items for cash, get pawn loans, or browse a selection of jewelry and valuables. Contact the shop at 863-802-0245 to ask about specific items or for quick answers about bringing in watches, gold, electronics, or other merchandise.
If you need quick cash or want to sell jewelry in Lakeland, bring your ID and the items you want to sell or pawn. Value Pawn & Jewelry at 2942 US Hwy 98 N is an independent pawn shop serving your community.
Services & Features
Auto loans
EZ+ Rewards Program (points on pawns, sales, purchases, redemptions)
Firearms sales
Gold and diamond buying with expert testing
Instant Quote online tool for electronics valuation
Jewelry VIP Program (guaranteed loan amounts, trade-ups, free cleaning/repairs)
Layaway programs (10% down, monthly payments)
Online shop with daily inventory updates
Pawn loans (collateral-based lending with cash in pocket)
Product Protection Plans (covers computers, audio/video equipment)
Retail sales of pre-owned brand-name merchandise
Third-party financing (up to 12 months on eligible purchases)
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Instant Quote tool provides estimated values online for electronics without store visit
- Extended store hours (9am-7pm weekdays) accommodate working schedules
- EZ+ Rewards Program awards points on pawns, sales, and purchases for loyalty benefits
- Jewelry VIP Program offers guaranteed loan amounts, 100% trade-up values, and free cleaning/repairs
- Layaway option requires only 10% down with affordable monthly payments
- Third-party financing available for purchases up to 12 months depending on credit eligibility
- Large inventory with daily new merchandise arrivals across jewelry, electronics, tools, and gaming
Cons
- Pawn loans involve losing personal property if not repaid on time, creating financial risk
- Website lacks specific information about interest rates, fees, or typical loan terms
- Not all services available in all areas (online payments specifically excluded in Arizona, Oregon, Pennsylvania)
- All merchandise is pre-owned; no new items available despite discount marketing language
- Protection plans and rewards program details are vague regarding actual cost-benefit
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 2942 US Hwy 98 N, Lakeland, FL 33805.
Quick Facts
- Headquarters
- 2942 US Hwy 98 N, Lakeland, FL 33805
- 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 for Miami residents needing quick cash against collateral or seeking steeply discounted pre-owned merchandise. The critical caveat is that pawn loans require surrendering personal property and involve fees—this is a short-term liquidity tool, not a sustainable financial solution, and borrowers risk losing items if unable to repay.
Best For
- Consumers needing immediate cash and willing to pledge collateral
- Bargain shoppers seeking 25-70% discounts on pre-owned brand-name electronics and jewelry
- Individuals with gold, diamonds, or other valuables to sell for quick cash
- Layaway shoppers who want to lock in prices with 10% down and monthly payments
Updated 2026-04-29
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