Value Pawn & Jewelry is a Miami-based pawn shop offering collateral-based loans, gold/jewelry buying, retail merchandise sales, and flexible payment options on pre-owned items.
Editorially reviewed by Harvey Brooks
Value Pawn & Jewelry operates as a full-service pawn shop located at 736 NW 183rd Street in Miami, Florida. The company functions within the traditional pawn lending model, providing quick cash loans secured by personal collateral and buying precious metals and jewelry directly from customers.
The company offers multiple revenue streams and customer services: pawn loans on items in working condition, gold and diamond jewelry buying with in-house precious metals testing, retail sales of pre-owned brand-name merchandise (electronics, tools, gaming equipment, fashion, handbags, sneakers), layaway programs with 10% down payments, third-party financed "Take Today" payment plans (up to 12 months), an online shop with daily new arrivals, and an EZ+ Rewards program tied to their parent company's loyalty system. They also provide instant quote tools for electronics valuations and special protection plans for jewelry and product purchases.
Value Pawn & Jewelry distinguishes itself through specific service offerings: guaranteed loan amounts for Jewelry VIP Program members, 100% trade-up values on future jewelry purchases, freestone replacement and free jewelry cleaning for VIP members, and explicit emphasis on fair pricing through precious metals testing. Their online presence and instant quote tool modernize the traditional pawn experience, and they position seasonal promotions around tax refunds and everyday deals. The company operates as part of the "EZPAWN family of stores," suggesting regional or national chain affiliation with standardized systems.
As a pawn shop, Value Pawn & Jewelry serves customers needing immediate cash against collateral rather than traditional credit products. The business model requires customers to own valuable items and accept asset surrender risk. While they offer convenient hours (9am-7pm weekdays, weekend availability) and claim "fair and accurate" pricing, customers should understand pawn loans involve interest, fees, and potential loss of collateral if loans aren't repaid—this is fundamentally different from unsecured personal loans or credit alternatives.
Yes. Value Pawn & Jewelry is a registered company headquartered in 3102 W Hillsborough Ave, Tampa, FL 33614. They hold a NR rating with the Better Business Bureau.
CreditDoc Diagnosis
Value Pawn & Jewelry is best for people facing immediate cash needs who own valuable collateral they're willing to pledge temporarily or sell outright. The primary caveat is that pawn loans carry interest and fees with risk of permanent asset loss if unpaid—they're a short-term liquidity tool, not a sustainable credit solution, and should only be used when repayment within the loan term is realistic.
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.
Best for: 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
ACCC is a non-profit credit counseling agency offering free consultations, debt management programs, and bankruptcy counseling to help consumers escape credit card debt.
Best for: Consumers with $6K–$100K+ in credit card debt who are still current or only slightly behind, Individuals legally required to complete bankruptcy counseling (pre- or post-filing)
Family-owned Florida pawn shop since 1986 buying, selling, and trading jewelry, guns, fishing equipment, tools, and electronics across two Tampa locations.
Best for: Individuals needing immediate cash by pawning or selling tangible assets, Gun owners and fishing enthusiasts seeking to buy, sell, or trade in their categories
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