Miami, FL · South · Allowed
Payday loans in Miami
Miami is governed by Florida's statewide lending law — cities don't set their own loan rules. Storefront payday lending is permitted in Florida. State law caps what lenders can charge — the limits below are the legal ceiling, and honest lenders stay under it.
The limits below are the legal ceiling — any offer above them is being made outside the law.
Lending storefronts in Miami
453,579 residents · Miami-Dade County Median household income is $31,051 — below the Florida median of $51,132.
30 storefront locations of 16 companies listed in the public directory snapshot below. Categories are the directory's own — verify a store's license with the state regulator before borrowing.
| Lender | Address | Phone | Hours |
|---|---|---|---|
| 1FirstCashAdvance - Florida Check Cashing/Pay-day Loans, Installment Loans | 200 SE 1st St Southeast First Building, 33131 | (786) 321-4288 | Mon 8:00 AM - 10:00 PM · hours vary |
| AA Bankers Installment Loans, Auto Loan Providers, Business Financing | 12001 SW 128th Ct Ste 106, 33186 | (786) 681-0737 | Mon–Fri 9:00 AM - 5:00 PM · Sat–Sun Closed |
| Access Loans Installment Loans | 150 SE 2nd Ave Ste 327, 33131 | (888) 287-9483 | Open 24 hours daily |
| ACE Cash Express Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 700 NW 79th St, 33150 | (305) 836-5556 | Mon 8:00 AM - 8:00 PM · hours vary |
| Advance America Installment Loans, Check Cashing/Pay-day Loans | 2964 SW 8th St, 33135 | (305) 649-8190 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans, Installment Loans | 11865 SW 26th St, 33175 | (305) 221-6144 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Installment Loans, Check Cashing/Pay-day Loans | 20318 NW 2nd Ave, 33169 | (305) 651-2280 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Installment Loans, Check Cashing/Pay-day Loans | 900 SW 67th Ave Ste 35, 33144 | (305) 265-1112 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans, Installment Loans | 19750 S Dixie Hwy, 33157 | (305) 254-1910 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans, Installment Loans | 8300 NW 27th Ave, 33147 | (305) 836-2092 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans, Installment Loans | 10731 West Flagler St, 33174 | (305) 207-1697 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans, Installment Loans | 11656 N Kendall Dr, 33176 | (305) 270-8314 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans, Installment Loans | 15102 SW 72nd St, 33193 | (305) 386-4410 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans, Installment Loans | 14645 SW 104th St, 33186 | (305) 388-3007 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans, Installment Loans | 9516 SW 160th St, 33157 | (305) 259-7116 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Installment Loans, Check Cashing/Pay-day Loans | 18502 NW 67th Ave Ste 20, 33015 | (305) 698-0933 | Mon 10:00 AM - 6:00 PM · hours vary |
| BMG Money Installment Loans | 444 Brickell Ave Ste 250, 33131 | (800) 316-8507 | Mon–Fri 9:00 AM - 5:00 PM · Sat–Sun Closed |
| Castleridge Group Financial Advising, Installment Loans, Debt Relief Services | 333 SE 2nd Ave Fl 10, 33131 | — | Mon 9:00 AM - 7:00 PM · hours vary |
| Fast Cash Legal Legal Services, Installment Loans | 199 E Flagler St Ste 282, 33131 | (305) 509-6412 | Mon–Fri 9:00 AM - 9:00 PM · Sat–Sun 9:00 AM - 1:00 PM |
| Global Capital Consulting Group Mortgage Brokers, Installment Loans, Title Loans | 1100 Brickell Bay Dr Ste 310745, 33231 | (305) 607-8802 | Open 24 hours daily |
| Halston Funding Group Installment Loans | Miami, 33167 | (833) 228-3973 | Hours not listed |
| Montana Capital Bad Credit Loans Title Loans, Installment Loans | 2065 NW 27th Ave, 33142 | (786) 460-4487 | Mon 9:00 AM - 7:00 PM · hours vary |
| North Star Advance Check Cashing/Pay-day Loans | 382 NE 191st St, 33179 | (305) 998-6904 | Open 24 hours daily |
| Oportun Installment Loans | 8335 W Flagler St, 33144 | (786) 465-7505 | Mon 11:00 AM - 6:30 PM · hours vary |
| Oportun Installment Loans | 6528 NW 186th St, 33015 | (305) 851-7464 | Mon 11:00 AM - 7:00 PM · hours vary |
Showing 25 of 30 locations — the rest are smaller branches of the same companies.
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the Florida page before visiting. Spot an error? Report it.
The online route in Miami
A parallel market lends entirely online — application, decision and funding on a website, no storefront. Lenders licensed in Florida follow the state schedule anywhere in the state, but bank-partner and tribal loans are structured outside state rate limits, and regulators dispute that model.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the Florida regulator.
The rules behind the numbers
You cannot be prosecuted in a criminal proceeding for a deferred presentment check returned for insufficient funds.
In practice: borrow $300 for a standard term and the finance charge is $35 — $335 repaid at the end, about 304% APR. Every compliant lender in Miami has to fit inside that schedule.
Statute: Fla. Stat. § 560.401 et seq.
Regulator: Florida Office of Financial Regulation · flofr.gov
Questions people ask in Miami
Are payday loans legal in Miami, FL?
Yes. Storefront payday lending is permitted across Florida, and Miami runs under the same state rules: maximum loan $500, fees capped at 10% of loan amount + $5 verification fee. A store charging above the cap is operating illegally.
How much would a $300 loan cost me in Miami?
The same as anywhere in Florida: state law sets the schedule. On a typical $300 loan the finance charge is about $35 — $335 repaid at the end of the standard term.
Which lenders have stores in Miami?
30 storefronts are listed in Miami in our 2022-02-20 directory snapshot (16 different companies). The full list with addresses, phones and hours is in the table above.
Who regulates lenders in Miami?
Complaints about a lender go to the Florida Office of Financial Regulation (flofr.gov) — keep the loan agreement and every fee disclosure you were given.