A-Universal Pawn
3911 W Waters Ave Unit 16, Tampa, FL 33614
A-Universal Pawn is a pawn shop at 3911 W Waters Ave Unit 16 in Tampa, Florida. A $500 loan here costs about $125 a month at most under Florida law.
Opening hours
| Monday | Closed |
| Tuesday | 10:00 AM–5:00 PM |
| Wednesday | 10:00 AM–5:00 PM |
| Thursday | 10:00 AM–5:00 PM |
| Friday | 10:00 AM–5:00 PM |
| Saturday | 10:00 AM–5:00 PM |
| Sunday | Closed |
Contact & directions
- Phone
- (813) 933-8644
- Address
- 3911 W Waters Ave Unit 16, Tampa, FL 33614
- Website
- universalpawn.org
Estimate your loan here
Every pawn shop in Florida follows the same state limits. Up to 25% of the amount financed for each 30-day period (at least $5), including interest of up to 2%.
up to $125
$625 to get your item back after one month
What you can pawn here
Items pawn shops commonly lend on. Each page explains how shops value it and what to bring; call A-Universal Pawn to confirm what it accepts.
Sell gold in Tampa
Selling instead of pawning? Compare 23 gold buyers in Tampa that are open now and work out your gold's metal value first.
What to bring
- A valid government-issued photo ID (driver license, state ID, passport or military ID).
- Florida rule: Government-issued photo ID; you must be 18.
- The item, clean and working, with chargers, cases, boxes and receipts.
- For gold: know the karat stamp and the weight. Estimate its metal value.
- To redeem later: your pawn ticket and the same ID.
License
Florida does not publish a downloadable statewide list of licensed pawn shops that we could match, so we cannot confirm the license here. Pawn shops must show their license in the store.
Location
3911 W Waters Ave Unit 16, Tampa, FL 33614
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Questions
What are A-Universal Pawn's hours?
Mon Closed; Tue–Sat 10:00 AM–5:00 PM; Sun Closed. Hours can change on holidays; call ahead to confirm.
Where is A-Universal Pawn?
3911 W Waters Ave Unit 16, Tampa, FL 33614.
What is A-Universal Pawn's phone number?
(813) 933-8644.
How much does a $500 pawn loan cost at A-Universal Pawn?
Florida law caps the charge at $125 for the first month on a $500 loan, so up to $625 to redeem after one month. The shop can charge less; the pawn ticket shows the real amount.
What do I need to bring to A-Universal Pawn?
A valid government-issued photo ID and the item you want to pawn or sell, with its accessories. Florida rule: Government-issued photo ID; you must be 18.
Guides
Business details from public listing information and the shop's website (universalpawn.org), checked November 5, 2026. We are not affiliated with this shop. Something wrong? Tell us.