Queen of Pawns

Queen of Pawns is a second-generation, family-owned pawnshop chain that has operated in Florida since 1995. Headquartered in West Palm Beach, the company has grown to 17 locations across South, Central, and West Florida — covering Miami, Orlando, Tampa, Kissimmee, Port St. Lucie, Deerfield Beach, and the Fort Lauderdale/Davie corridor. As a licensed pawnbroker under Florida state law, the company operates under regulatory oversight governing loan terms, record-keeping, and consumer protections. It is not affiliated with CDFI, HUD, or NFCC-certified financial services programs.

Queen of Pawns provides three core services: collateral-based pawn loans, outright cash purchases of valuables, and resale of pre-owned merchandise. For pawn loans, customers bring in items — gold and diamond jewelry, Rolex and luxury watches, designer handbags (Louis Vuitton), electronics, Apple products, gaming consoles, musical instruments, power tools, cameras, and Harley-Davidson motorcycles — and receive a short-term loan secured by the item. The item is held until the loan and fees are repaid; no credit check is required, and defaulting carries no credit impact. The company also buys items outright for cash. Pre-owned merchandise is sold in-store and through an online storefront (queenofpawns.com/shop-save) and an active eBay store, giving buyers outside Florida access to their inventory. A free layaway program is available for in-store purchases.

Queen of Pawns distinguishes itself by advertising competitive pawn rates and marketing "best pawn rates since 1995." Staff collectively bring over 50 years of pawnbroking experience, and bilingual service (English and Spanish) is available across locations — a meaningful differentiator in South Florida's diverse markets. With 17 stores spanning the state's most populated corridors, geographic accessibility is a genuine strength for a regional independent chain. The company's customer satisfaction profile is notable: it holds a 5.0/5 Google rating drawn from more than 4,000 reviews, an unusually high figure for a retail and lending operation of this scale.

For Florida residents who need fast cash without a credit check, Queen of Pawns is one of the more established and geographically accessible options in the state. That said, pawn loans are inherently higher-cost than traditional credit — specific interest rates are not published on the website and must be negotiated in person, limiting upfront price transparency. The company is not BBB accredited, and its BBB letter grade was not surfaced in available research. There is no verified money-back guarantee, no mobile app, and no confirmed online portal for managing pawn loans. Services are only available to customers within driving distance of a Florida location, as pawn loans require in-person visits.