The 3 best pawn shops in Gainesville.

Ranked by verified customer reviews. Every shop on this page has at least 4.5 stars and 30+ published reviews, sourced from public listings and rechecked during PawnGuru verification runs. Updated April 2026.

At a glance

Quick compare.

Rank	Shop	Rating	Reviews	Neighborhood
01	House of Luxury @ Haile (Haile Jewelry & Loans)	★ 5.0	984	9116 SW 51st Rd Ste 102
02	TBGoods Jewelry & Pawn	★ 4.8	772	325 NE 23rd Ave
03	Oaks Jewelry (formerly Oaks Pawn and Jewelry)	★ 4.8	367	6702 W Newberry Rd

Detailed listings

Shop by shop.

Rank #1 · 9116 SW 51st Rd Ste 102, Gainesville, FL 32608

House of Luxury @ Haile (Haile Jewelry & Loans)

★★★★★ 5.0 · 984 verified reviews

Why it ranks here

Highest-rated pawn shop in Gainesville on PawnGuru
Well-established — 984+ published reviews
Weekend hours (Saturday)

Hours: Mon-Fri 10:00 AM - 6:00 PM, Sat 10:00 AM - 3:00 PM (Note: Website states Mon-Thu 10:00 AM - 4:00 PM by appointment)

Phone: (352) 333-1905

Website: Visit site

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Rank #2 · 325 NE 23rd Ave, Gainesville, FL 32609

TBGoods Jewelry & Pawn

★★★★⯨ 4.8 · 772 verified reviews

Why it ranks here

4.8-star rating across 772 customer reviews
Well-established — 772+ published reviews
Open 7 days a week (including Sunday)

Hours: Mon-Fri: 9 AM-7 PM, Sat: 9 AM-6 PM, Sun: 10 AM-5 PM

Phone: (352) 375-0024

Website: Visit site

View full listing →

Rank #3 · 6702 W Newberry Rd, Gainesville, FL 32605

Oaks Jewelry (formerly Oaks Pawn and Jewelry)

★★★★⯨ 4.8 · 367 verified reviews

Why it ranks here

4.8-star rating across 367 customer reviews
367+ published customer reviews

Hours: Mon-Fri 10:00 AM - 5:00 PM, Sat 10:00 AM - 4:00 PM, Sun Closed

Phone: (352) 332-7529

Website: Visit site

View full listing →

Local tips

Practical notes for Gainesville.

Independent-dominated market. All top-rated shops in Gainesville on this list are independently owned. Call ahead for large items — independents frequently specialize, so one shop’s bread-and-butter may be another’s rare category.
Weekday mornings get the best appraisal attention. Regardless of the shop, Monday–Thursday between 10 AM and noon is typically the slowest window — giving the appraiser more time to research high-value items rather than moving on to the next customer.
Call ahead for items over ~$500. Higher-value jewelry, watches, or firearms often require the senior appraiser. Most of the shops on this list publish a phone number — a 60-second call to confirm they’re staffed for your category saves a wasted trip.

What to expect

Pawn loans in Florida.

FL state-law rate cap

Maximum 2% per 30-day period in simple interest, plus a service charge. Total charges (interest + service fee) cannot exceed 25% of the amount financed per 30 days.

APR equivalent: 24% APR interest; up to ~300% APR with the allowable service charge
Term: Statutory pawn contract is 30 days; most shops offer extension.
ID required: Valid government-issued photo ID required under Florida Pawnbroking Act (Ch. 539, F.S.).

Source: Florida Statutes Ch. 539 (Pawnbroking). Rates are maximums set by state statute; individual shops may charge less.

National context

Loan amount: 25%–60% of resale value. Shops lend a fraction of what they’re confident they can resell the item for. The National Pawnbrokers Association reports the average US pawn loan is about $150 (NPA data via AmeriSave).
Redemption rate: ~85%. The NPA reports that roughly 85% of pawn customers successfully repay and reclaim their item — a pawn loan is a temporary liquidity bridge for most people, not a sale.
No credit check, no credit impact. A pawn loan is secured by the item itself. Default means you lose the collateral; it does not appear on your credit report and cannot damage your score.

Also worth visiting

More Gainesville shops with 4.0+ ratings.

4.4★12 reviews

Best Jewelry & Loan Pawn Brokers

4.0★29 reviews

FAQ

Questions buyers and pawners ask.

What is the best-rated pawn shop in Gainesville, FL?

Based on aggregated verified customer reviews, House of Luxury @ Haile (Haile Jewelry & Loans) at 9116 SW 51st Rd Ste 102, Gainesville, FL 32608 is currently the highest-rated pawn shop in Gainesville, with a 5.0-star rating across 984 reviews.

How many top-rated pawn shops are in Gainesville?

PawnGuru lists 3 pawn shops in Gainesville that meet our "best of" threshold of 4.5 stars or higher with at least 30 published reviews.

What is the maximum interest rate a pawn shop in Gainesville can charge?

Maximum 2% per 30-day period in simple interest, plus a service charge. Total charges (interest + service fee) cannot exceed 25% of the amount financed per 30 days. Source: Florida Statutes Ch. 539 (Pawnbroking).

Do I need an appointment to visit a pawn shop in Gainesville?

No. All pawn shops on this list accept walk-ins. For items over ~$500 (jewelry, watches, firearms) we recommend calling ahead to confirm the senior appraiser is on site — most of the top-rated Gainesville shops publish a direct phone number.

Keep exploring

More Gainesville resources.

Full Gainesville directory

Pawn shops near Gainesville

Florida statewide

All cities in FL

Sell jewelry in FL

Methodology

How this list is built.

We include every verified pawn shop in Gainesville, FL with an aggregate Google rating of 4.5 stars or higher and at least 30 published reviews. Shops are ranked first by rating (descending), then by review count (descending) to break ties.

What we do not do: We do not accept payment for inclusion or placement. We do not mystery-shop each location — rankings are based on public review aggregates, not PawnGuru editorial opinion. We do not publish fabricated price estimates or AI-generated imagery of shops.

When this was updated: Ratings and review counts are rechecked against public sources during PawnGuru verification runs. The underlying data was last re-verified in April 2026.

Shop owners can submit new listings or report inaccuracies. We respond to correction requests within two business days.