Value Pawn & Jewelry is a Miami-based pawn shop offering collateral-based loans, gold/jewelry buying, retail merchandise, and flexible payment options.
Editorially reviewed by Harvey Brooks
Value Pawn & Jewelry operates a pawn shop located at 736 Northwest 183rd Street in Miami, Florida. As a member of the EZPAWN family of stores, the company provides traditional pawn services along with retail merchandise sales to the local community. The business positions itself as a convenient source for quick cash and affordable shopping in the Miami area.
The company's core services include pawn loans (bringing items of value for short-term cash loans), gold and diamond jewelry buying with on-site testing, retail sales of pre-owned brand-name merchandise at 25-70% discounts, and specialized services like auto loans and firearms sales. They operate an online shop featuring daily new arrivals and offer an Instant Quote tool for electronics valuation. Payment flexibility is emphasized through layaway options (10% down with monthly payments), third-party financing for up to 12 months, and an EZ+ Rewards Program that awards points on eligible transactions.
Value Pawn & Jewelry differentiates itself through several service enhancements: free jewelry cleaning and freestone replacement for VIP members, guaranteed loan amounts for jewelry VIP members, 100% trade-up amounts on future jewelry purchases, Product Protection Plans for electronics and merchandise, expert gold buyer testing, and an online rewards program accessible via mobile management. The store maintains extended hours (9am-7pm weekdays, 9am-6pm Saturday, 12pm-5pm Sunday) and advertises serving customers who need "quick cash" with "service and respect."
As a pawn shop, Value Pawn & Jewelry serves customers seeking short-term collateral-based loans and discount retail merchandise, but operates within the constraints of pawn lending. The business model depends on customer ability to repay loans and retrieve items, making it situational rather than a comprehensive financial solution. Pawn loans carry fees and terms not fully detailed on the website, requiring in-store consultation. The company explicitly notes that not all services are available in all areas and certain online features are restricted in Arizona, Oregon, and Pennsylvania.
Yes. Value Pawn & Jewelry is a registered company headquartered in 8025 W Hillsborough Ave, Tampa, FL 33615. They hold a NR rating with the Better Business Bureau.
CreditDoc Diagnosis
Value Pawn & Jewelry is best for Miami-area residents who own items of value (jewelry, electronics, tools) and need immediate cash against collateral, or who seek discounted pre-owned merchandise. The primary caveat is that pawn lending requires surrendering physical items and repaying within a specific term—failure to do so results in permanent loss of the collateral—making this a short-term liquidity solution rather than a long-term financial product.
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.
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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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