CashAdvance.io

Miami-Dade County, Florida (FL)

Payday Loans & Pawn Shops in Miami Beach, FL

4 lenders in Miami Beach, FL · 1 lists hours · 1 open Saturday · 1 open Sunday · 4 verified in the last 30 days · + 1 reported, not yet verified

Looking for a payday loan or a pawn shop near you in Miami Beach, Florida? We list 4 lender locations in Miami Beach 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 Miami Beach

3 without listed hours yet

Other lenders reported in Miami Beach

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.

Miami Beach lenders at a glance

Miami Beach, in Miami-Dade County (population 83,251), has 4 lender locations in our directory: 3 payday loan stores and 1 pawn shop, across 2 ZIP codes. The chains with the most stores here are ACE Cash Express (2) and EZPAWN (1). The only store here that publishes hours is open on Saturday and Sunday. The nearest other city with lenders is Miami, about 4 miles away, with 99 locations.

Stores by loan type
Payday loans 3
Pawn shops 1
County
Miami-Dade County
ZIP codes with stores
33139, 33141
Hours (1 store lists them)
Open Saturday: 1
Open Sunday: 1
Open until 7 pm or later on weekdays: 1

Typical cost in Florida

Rules for lenders in Miami Beach

Miami Beach 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 Miami Beach, FL?

We list 3 payday loan stores and 1 pawn shop in Miami Beach, 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 Miami Beach?

ACE Cash Express (2 stores) and EZPAWN (1 store).

Are any lenders in Miami Beach open on weekends?

The only store here that publishes hours is open on Saturday and 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) · 3 locations Last verified Oct 15, 2026
  2. EZPAWN store locator (Florida) · 1 location Last verified Oct 15, 2026
  3. OpenStreetMap (Overpass API), Florida · 1 location Last verified Oct 15, 2026 © OpenStreetMap contributors, ODbL 1.0
  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.