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St Cloud, FL's Value Pawn & Jewelry at 4211 13th Street offers pawn loans, jewelry buying, and quick cash for valuables.
Data compiled from public sources
Value Pawn & Jewelry is located at 4211 13th Street in St Cloud, FL, operating as a standalone pawn shop in the area. The store is open Monday through Friday from 9 AM to 7 PM, Saturday 9 AM to 6 PM, and Sunday noon to 5 PM, making it accessible for most St Cloud residents' schedules. This location serves the St Cloud community with in-person pawn lending and jewelry transactions.
At this St Cloud location, you can pawn valuables, sell jewelry outright, or trade collectibles for cash. The shop buys gold, silver, watches, rings, and other valuable items. For questions about what they accept or current rates, call 407-957-3050 to speak with the staff directly.
If you're considering pawning an item in St Cloud, bring a valid government ID and the item you wish to pawn or sell. The process is straightforward: items are evaluated, a fair cash offer is made, and funds are available immediately. Value Pawn & Jewelry provides listed pricing and quick transactions.
This is state-level context for Pawn Shops consumers in St Cloud, 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—short-term collateral-based loans on items in decent working condition, Gold and diamond jewelry buying with in-store precious metal testing, Retail merchandise sales—pre-owned brand-name items at 25-70% discounts, Layaway program with 10% down and monthly payment options, Third-party flexible payment plans—up to 12 months depending on credit eligibility, and 7 more.
Value Pawn & Jewelry has profile signals associated with Individuals researching short-term cash access with eligibility and income-verification claims to verify, People with gold, diamonds, or jewelry they want to sell quickly for fair market value, Budget-conscious shoppers seeking significant discounts on brand-name electronics, tools, and merchandise, Short-term borrowers with valuable collateral who prefer pawn loans over credit-based lending.
Key strengths: eligibility claim to verify—short-term cash access available for pawn loans on items in decent working condition; Professional gold and diamond testing in-store to ensure fair and accurate pricing; Significant discounts on pre-owned merchandise—25-70% off retail prices with daily new inventory. Areas to consider: Pawn loans involve fees beyond the principal amount, and non-repayment results in loss of collateral; Pre-owned merchandise inventory means limited availability of specific items or models.
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 individuals facing short-term cash needs who own valuable items (jewelry, electronics, tools) they can pledge as collateral, or for budget shoppers seeking steep discounts on pre-owned merchandise. The main caveat is that pawn loans are not credit-building products—non-repayment results in permanent loss of collateral, and all transactions include fees beyond the loan principal that should be clarified before committing.
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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