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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
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 are researching short-term cash access 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.
This is state-level context for Pawn Shops consumers in Lakeland, 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 lending with cash in pocket), Gold and diamond buying with expert testing, Auto loans, Firearms sales, Retail sales of pre-owned brand-name merchandise, and 7 more.
Value Pawn & Jewelry has profile signals associated with Consumers researching short-term cash access 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 short-term cash access, Layaway shoppers who want to lock in prices with 10% down and monthly payments.
Key strengths: 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. Areas to consider: 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.
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 profile signals for Miami residents researching short-term cash access 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.
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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