Miami-based pawn shop specializing in luxury Rolex watches, gold jewelry, and designer items with 40 years of expertise. Offers pawn loans at 10% monthly interest (120% APR) and lease-to-own financing through Acima.
Editorially reviewed by Harvey Brooks
Luanda Cash was founded in Miami, Florida in 2000 and has established itself as a specialized pawnbroker with four decades of experience in luxury watch appraisals and transactions. The company operates two physical locations—10308 W Flagler St in Miami/Sweetwater, FL and 14706 SW 56th St in Hialeah, FL—and positions itself as one of the largest buyers of gold and watches in the Miami area. The business serves customers seeking quick cash loans secured by high-value collateral.
Luanda Cash offers pawn loans secured by luxury items including Rolex and Cartier watches, gold jewelry (rings, bracelets, links, earrings, pendants, cuffs), designer handbags, and luggage. Customers bring items for professional assessment, receive a loan offer based on appraised value, and walk away with immediate cash. The company also offers an Acima lease-to-own financing option as an alternative shopping method. Pawn loans have a minimum 61-day repayment period with no maximum limit, allowing customers extended time to reclaim items.
The company differentiates itself through specialized expertise: their team claims 40 years of focused experience appraising Rolex watches specifically, which they market as providing accurate valuations and high-quality service. They emphasize curated inventory of luxury items rather than typical pawnshop merchandise, and maintain a privacy policy stating they do not disclose customer information except to affiliates as permitted by law. The dual-location convenience and stated commitment to no-loan-amount-too-small-or-large positioning suggests accessibility across customer segments.
However, Luanda Cash operates as a traditional pawnbroker with costs that merit careful consideration. The 10% monthly interest rate (120% APR, which may vary) is substantially higher than most alternative lending. Service fees apply immediately: 25% service charge for redemption within 30 days, doubled to 50% between days 30-61. The stated APR of 120% places this firmly in high-cost lending territory. Monthly payment obligations and the risk of losing collateral if unable to repay are inherent structural features. This service is best suited for customers with urgent cash needs, valuable collateral they're willing to pledge temporarily, and capacity to repay within the stated timeframe.
Yes. Luanda Cash Pawn Kendall is a registered company headquartered in 14706 SW 56th St, Miami, FL 33185. They hold a NR rating with the Better Business Bureau.
CreditDoc Diagnosis
Luanda Cash is best for customers with valuable collateral (particularly Rolex watches or gold jewelry) who need immediate cash and have capacity to repay within 61+ days. The critical caveat is the cost structure: 10% monthly interest (120% APR) plus 25-50% service fees make this a high-cost borrowing option suitable only when traditional lending is unavailable and the urgency justifies the expense. Customers must understand that failure to repay results in permanent loss of pledged items.
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