Value Pawn & Jewelry is a pawn shop in Miami offering collateral-based loans, gold buying, and retail merchandise sales with flexible payment options.
Editorially reviewed by Harvey Brooks
Value Pawn & Jewelry operates as a pawn shop located at 736 NW 183rd Street in Miami, Florida. The business is part of the EZPAWN family of stores and serves the local community by providing quick cash solutions through pawn transactions and precious metals buying.
The company offers a range of interconnected financial and retail services. Primary offerings include pawn loans where customers bring items in working condition to receive immediate cash, gold and diamond jewelry buying at competitive rates, and retail sales of pre-owned brand-name merchandise (electronics, jewelry, tools, gaming equipment, handbags, sneakers) at 25-70% discounts below retail prices. They also provide layaway options with 10% down payments, third-party financing for up to 12 months, auto loans, firearms sales, and an online shopping platform. The EZ+ Rewards Program allows customers to earn points on transactions and manage pawns remotely.
Value Pawn & Jewelry distinguishes itself through several service enhancements: an Instant Quote tool for electronics that provides same-day valuation estimates, expert precious metals testing for fair pricing, Jewelry VIP and Product Protection Plans offering guaranteed loan amounts and damage coverage, and daily inventory updates. Their extended hours (9am-7pm weekdays, 9am-6pm Saturday, 12pm-5pm Sunday) increase accessibility for the Miami community.
The core limitation of this business model is inherent to pawn lending: customers must surrender personal property to receive funds, creating practical and emotional friction compared to unsecured lending. Pawn loan terms, fees, and interest rates vary and require in-person discussion with staff. Additionally, not all services (particularly online payments) are universally available—specifically excluded in Arizona, Oregon, and Pennsylvania. The company's reliance on retail merchandise sales means inventory quality and selection fluctuate daily.
Yes. Value Pawn & Jewelry is a registered company headquartered in 2360 N Main St, Gainesville, FL 32609. They hold a NR rating with the Better Business Bureau.
CreditDoc Diagnosis
Value Pawn & Jewelry is best for Miami-area consumers with valuable personal property (jewelry, electronics, tools) who need immediate cash without credit checks or underwriting delays. The primary caveat is that pawn lending requires surrendering collateral and involves undisclosed fees/rates that must be negotiated in-person—making it suitable for short-term cash needs rather than long-term borrowing, and unsuitable for those unable to reclaim items within the loan period.
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