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Miami-Dade County, Florida (FL)

Payday Loans in Miami, FL

66 lenders in Miami, FL · 66 verified in the last 30 days

Looking for a payday loan near you in Miami, Florida? We list 66 payday loan stores in Miami with addresses, phone numbers, opening hours and, where Florida publishes it, license status. Last checked October 8, 2026.

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Miami lenders at a glance

Miami, in Miami-Dade County (population 487,014), has 66 lender locations in our directory: 66 payday loan stores and 33 installment lenders (some stores offer more than one type), across 34 ZIP codes. The chains with the most stores here are Amscot (14), Advance America (9) and ACE Cash Express (6). Of the 2 stores that publish hours, 0 open on Saturday and 0 on Sunday. The nearest other city with lenders is Miami Beach, about 4 miles away, with 4 locations.

Stores by loan type
Payday loans 66
Installment loans 33
County
Miami-Dade County
ZIP codes with stores
33015, 33055, 33125, 33126, 33127, 33130, 33131, 33132, 33134, 33135, 33137, 33138, 33142, 33144, 33146, 33147, 33149, 33150, 33155, 33157, 33161, 33162, 33165, 33166, 33167, 33168, 33169, 33174, 33175, 33177, 33183, 33184, 33186, 33193
Hours (2 stores list them)
Closed on weekends

Typical cost in Florida

Rules for lenders in Miami

Miami 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, FL?

We list 66 payday loan stores and 33 installment lenders in Miami, 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?

Amscot (14 stores), Advance America (9 stores) and ACE Cash Express (6 stores).

Are any lenders in Miami open on weekends?

Of the 2 stores that publish hours, 0 open on Saturday and 0 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) · 66 locations Last verified Oct 15, 2026
  2. OpenStreetMap (Overpass API), Florida · 3 locations Last verified Oct 15, 2026 © OpenStreetMap contributors, ODbL 1.0
  3. 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
  4. Fla. Stat. § 560.403; OFR consumer page (payday lenders) · General rules Last verified Oct 8, 2026 · high confidence
  5. 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
  6. Fla. Stat. §§ 560.309(8), 560.404(6)(b) · Payday loans (deferred presentment) Last verified Oct 8, 2026 · high confidence
  7. Fla. Stat. § 560.406(1) · Payday loans (deferred presentment) Last verified Oct 8, 2026 · high confidence
  8. Fla. Stat. § 560.403 · Payday loans (deferred presentment) Last verified Oct 8, 2026 · high confidence
  9. Fla. Stat. § 537.011(1), Fla. Stat. § 537.011(3) · Title loans Last verified Oct 8, 2026 · high confidence
  10. Fla. Stat. § 537.004(1) · Title loans Last verified Oct 8, 2026 · high confidence
  11. Fla. Stat. § 516.031(1) · Installment and consumer finance loans Last verified Oct 8, 2026 · high confidence
  12. 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.