A-Universal Pawn is a pawn shop located in Tampa, Florida offering collateral-based loans and merchandise sales at 3911 W Waters Ave.
Editorially reviewed by Harvey Brooks
A-Universal Pawn operates as a traditional pawn shop in Tampa, Florida, serving the local community from its location on W Waters Avenue. The business model centers on providing quick access to cash by accepting personal items of value as collateral, a common service among pawn shops that serves consumers needing immediate liquidity without credit checks or lengthy approval processes. A-Universal Pawn maintains consistent business hours Tuesday through Saturday from 10:00 AM to 5:00 PM, indicating a stable brick-and-mortar operation. The company maintains an online presence through their website universalpawn.org and can be reached by phone at (813) 933-8644 for inquiries.
Based on the available information, A-Universal Pawn operates within the standard pawn shop service model, which typically includes accepting items as collateral for short-term loans, buying used merchandise outright, and selling pre-owned goods. Customers can bring in items of value such as jewelry, electronics, musical instruments, or other valuables to receive cash loans or direct purchases. The pawn model offers speed and accessibility compared to traditional lenders, as transactions can often be completed quickly without extensive credit verification or income documentation.
The company's presence in the Tampa market near major landmarks and facilities suggests it serves both residential and transient populations. A-Universal Pawn's consistent operating hours and maintained website indicate professional business operations within the pawn industry. The business operates within Florida's pawn shop regulatory framework, which includes specific requirements for documentation and holding periods.
Prospective customers should understand that pawn transactions involve interest charges and storage fees, and failure to reclaim pawned items results in the loss of that collateral. While pawn shops provide immediate cash access, the total cost of borrowing through pawning is typically higher than traditional loans due to these accumulated fees. This service is most appropriate for those with items of genuine value and those who prefer asset-based lending without credit inquiries.
Yes. A-Universal Pawn is a registered company headquartered in 3911 W Waters Ave UNIT 16, Tampa, FL 33614. They hold a NR rating with the Better Business Bureau.
CreditDoc Diagnosis
A-Universal Pawn is best for consumers in the Tampa area who own items of value and need immediate cash without credit verification or bank approval. The main caveat is that pawn lending carries cumulative interest and storage fees, making it an expensive borrowing method compared to traditional loans—use only when speed is critical and you have valuable collateral you can afford to lose.
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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