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Miami-Dade County, Florida (FL)

Payday & Installment Loans in Cutler Bay, FL

5 lenders in Cutler Bay, FL · 2 list hours · 1 open Saturday · 1 open Sunday · 5 verified in the last 30 days · + 1 reported, not yet verified

Looking for a payday or installment loan near you in Cutler Bay, Florida? We list 5 lender locations in Cutler Bay with addresses, phone numbers, opening hours and, where Florida publishes it, license status. Last checked October 8, 2026.

Open now or opening soon

With hours & phone

Other licensed lenders in Cutler Bay

3 without listed hours yet

Other lenders reported in Cutler Bay

These stores appear in public data but are not yet verified, so they have no page here. Call ahead before you go.

Found in OpenStreetMap (seen Oct 15, 2026). Not yet matched to a state license or the brand's own store list.

Cutler Bay lenders at a glance

Cutler Bay, in Miami-Dade County (population 45,833), has 5 lender locations in our directory: 3 payday loan stores and 2 installment lenders, across 2 ZIP codes. The chains with the most stores here are Amscot (1), Check Mart / Check City (1) and OneMain Financial (1). Of the 2 stores that publish hours, 1 open on Saturday and 1 on Sunday. The nearest other city with lenders is Palmetto Bay, about 3 miles away, with 1 location.

Stores by loan type
Payday loans 3
Installment loans 2
County
Miami-Dade County
ZIP codes with stores
33157, 33189
Hours (2 stores list them)
Open Saturday: 1
Open Sunday: 1
Open until 7 pm or later on weekdays: 1

Typical cost in Florida

Rules for lenders in Cutler Bay

Cutler Bay has no local payday or title loan ordinance in our records, so Florida state law applies.

  • A single-payment payday loan can have a check face amount of at most $500, not counting fees. Source: Fla. Stat. § 560.404(5) · verified Oct 8, 2026
  • A payday installment loan can have a check face amount and an outstanding balance of at most $1,000, not counting fees. Source: Fla. Stat. § 560.404(5) · verified Oct 8, 2026
  • Fees on a single-payment payday loan cannot exceed 10 percent of the cash or payment instrument the borrower receives. Source: Fla. Stat. § 560.404(6)(a) · verified Oct 8, 2026
  • Fees on a payday installment loan cannot exceed 8 percent of the outstanding balance on a biweekly basis. Source: Fla. Stat. § 560.404(6)(a) · verified Oct 8, 2026

All rules: Florida lending rules.

Questions people ask

How many payday loan stores are in Cutler Bay, FL?

We list 3 payday loan stores and 2 installment lenders in Cutler Bay, checked against their sources as of October 8, 2026.

Are payday loans legal in Florida?

Yes. Payday lenders operate in Florida under state rules. For example: A single-payment payday loan can have a check face amount of at most $500, not counting fees (Fla. Stat. § 560.404(5)).

Which lenders have the most stores in Cutler Bay?

Amscot (1 store), Check Mart / Check City (1 store) and OneMain Financial (1 store).

Are any lenders in Cutler Bay open on weekends?

Of the 2 stores that publish hours, 1 open on Saturday and 1 on Sunday. Holiday hours can differ, so call ahead.

Answers are generated from the listings and verified rules on this page; see Sources below.

Sources

The listings and rules on this page come from these sources. Each listing also links to its own record.

  1. Florida OFR licensee files (registration data download) · 5 locations Last verified Oct 15, 2026
  2. OpenStreetMap (Overpass API), Florida · 3 locations Last verified Oct 15, 2026 © OpenStreetMap contributors, ODbL 1.0
  3. OneMain Financial branches (Florida) · 1 location Last verified Oct 15, 2026
  4. Fla. Stat. § 516.02(2)(a), Fla. Stat. § 516.02(1) · General rules, Installment and consumer finance loans Last verified Oct 8, 2026 · high confidence
  5. Fla. Stat. § 560.403; OFR consumer page (payday lenders) · General rules Last verified Oct 8, 2026 · high confidence
  6. Fla. Stat. § 560.404(5), Fla. Stat. § 560.404(6)(a), Fla. Stat. § 560.404(8), Fla. Stat. § 560.404(19), Fla. Stat. § 560.404(22), Fla. Stat. § 560.404(22)(a), Fla. Stat. § 560.404(18), Fla. Stat. § 560.404(26), Fla. Stat. § 560.404(24)(a), Fla. Stat. § 560.404(24)(b) · Payday loans (deferred presentment), Statewide loan database Last verified Oct 8, 2026 · high confidence
  7. Fla. Stat. §§ 560.309(8), 560.404(6)(b) · Payday loans (deferred presentment) Last verified Oct 8, 2026 · high confidence
  8. Fla. Stat. § 560.406(1) · Payday loans (deferred presentment) Last verified Oct 8, 2026 · high confidence
  9. Fla. Stat. § 560.403 · Payday loans (deferred presentment) Last verified Oct 8, 2026 · high confidence
  10. Fla. Stat. § 537.011(1), Fla. Stat. § 537.011(3) · Title loans Last verified Oct 8, 2026 · high confidence
  11. Fla. Stat. § 537.004(1) · Title loans Last verified Oct 8, 2026 · high confidence
  12. Fla. Stat. § 516.031(1) · Installment and consumer finance loans Last verified Oct 8, 2026 · high confidence
  13. Fla. Stat. § 539.001(11)(a), Fla. Stat. § 539.001(10), Fla. Stat. § 539.001(2)(a), (3)(a), Fla. Stat. § 539.001(20) · Pawn loans Last verified Oct 8, 2026 · high confidence

We re-check sources regularly and show the date each was last verified. Spotted a mistake? Tell us and we'll check it against the source.

CashAdvance is not a lender and does not take applications. Listings are information only, built from public records (such as state license lists) and lenders' own published details. Confirm hours, fees and terms with the lender before you visit or borrow.