Advance America in Hialeah, FL at 2750 W 68th St offers payday and title loans with convenient hours.
Data compiled from public sources · Rating from CreditDoc methodology
Located at 2750 W 68th St #110 in Hialeah, FL, this Advance America is a standalone payday and title loan office. Operating hours are Monday through Thursday 10 AM to 6 PM, Friday 9 AM to 6 PM, and Saturday 9 AM to 4 PM, with Sundays closed. The Hialeah branch serves local residents seeking quick access to loans in this established commercial area.
At this Hialeah location, Advance America provides payday loans, title loans, and related financial services for immediate cash needs. Call 305-231-7973 during business hours to apply, get a quote, or speak with the staff. The office handles walk-in customers and can typically approve qualified applications the same day.
Bring your government-issued ID, proof of income, and banking information when you visit this location. The staff can process applications quickly, with qualified customers often approved within hours. Hialeah residents needing emergency cash will find a straightforward lending option here on W 68th St.
See which lenders actually approve borrowers with bad credit. We compared APRs, fees, minimum scores, and funding speed.
According to CFPB data (2023-present), Advance America has a 99.8% response rate to consumer complaints, with 97.5% of those responses delivered within the CFPB's 15-day window. Response rate measures whether the company replied — not whether the consumer's issue was resolved in their favor.
Advance America offers 10 services including Payday Loans ($100–$2,000, due next payday), Installment Loans ($100–$5,000, 3–12 month repayment), Title Loans (up to ~$25,000, secured by vehicle title), Lines of Credit (revolving, up to ~$4,000), Check Cashing (select in-store locations), and 5 more.
Advance America is best suited for Consumers needing $100–$2,000 in emergency cash within hours who cannot qualify for bank or credit union loans, Individuals with poor or no credit history facing urgent bills such as car repairs, utilities, or medical expenses, Borrowers who prefer in-person service and same-day cash pickup at a physical branch location, People who have exhausted lower-cost alternatives and need a large, state-licensed lender with regulated terms.
Key strengths: 1,500+ store locations across ~28 states — one of the most physically accessible short-term lenders in the U.S.; Founded in 1997 with nearly 30 years of continuous operation in consumer short-term lending; Worry-Free Advance policy waives outstanding loan fees if borrower loses their job during loan term. Areas to consider: Payday loan APRs range from 350%–664% — among the highest-cost credit products legally available to U.S. consumers; February 2023 data breach affecting customer personal data led to a $7.75 million class action settlement.
In the Emergency Cash category, comparable providers include Amscot Financial, Cash Advance, Rapid Cash. Each company has different strengths — compare services, pricing, and consumer complaint records to find the best fit.
Advance America holds a A+ rating with the Better Business Bureau but is not BBB-accredited.
CreditDoc Diagnosis
Advance America is genuinely best suited for credit-challenged consumers facing a short-term cash emergency with no bank or credit union alternative — its 1,500+ locations and rapid approval process are real and meaningful strengths in that context. The primary caveat is cost: payday loan APRs exceeding 400% make this one of the most expensive borrowing options available, and the 2023 data breach settlement is a material concern for privacy-conscious consumers. Anyone who qualifies for a credit union PAL, employer advance, or personal loan should exhaust those options before applying here.
Public data from the Consumer Financial Protection Bureau
* Percentage of consumer complaints that received a company response (does not indicate the complaint was resolved in the consumer's favor)
** Percentage of responses delivered within the CFPB's 15-day window
Source: consumerfinance.gov | Last checked 2026-03-23
Amscot Financial offers payday loans and installment cash advances up to $1,000 with same-day funding and no credit checks across Florida locations.
Best for: Floridians facing genuine emergencies who need cash within hours and have poor credit, Customers seeking one-stop financial services (lending, check cashing, notary, bill pay)
Amscot is a Florida-based payday and installment loan lender offering cash advances up to $500 and installment loans up to $1,000 with no credit checks and same-day funding.
Best for: Florida residents facing unexpected short-term cash emergencies (car repair, medical bills) with next paycheck income, Consumers with damaged credit who cannot qualify for traditional bank loans or credit cards
Rapid Cash Orlando, Florida — Rapid Cash offers small installment loans from $100–$1,000 with same-day or next-day funding, designed for short-term cash...
Best for: Consumers facing immediate cash shortages who need $100–$1,000 quickly, Individuals seeking to avoid overdraft fees or payday loan spirals
Answer 3 quick questions to see if this provider matches your needs.
1. What's your primary financial goal?
Your credit report contains the raw data behind your score. Learn what's in it, how to read it, and how to dispute errors that could be dragging your score down.
Read guide →Klarna, Afterpay, Affirm — they make spending easy. But what happens to your credit score when you use them? Here's what the fine print doesn't tell you.
Read guide →Learn what makes up your credit score, how it's calculated, what the ranges mean, and how to check yours for free.
Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
Interest calculated on both the original amount borrowed AND the interest that's already been added. It's 'interest on interest' — and it makes debt grow faster than you'd expect.
Credit cards and many loans use compound interest. If you only make minimum payments, compound interest is why a $3,000 balance can take 15 years to pay off.
Example
You owe $1,000 at 20% annual interest compounded monthly. After month 1 you owe $1,016.67. Month 2, interest is charged on $1,016.67 (not $1,000), so you owe $1,033.61. After 1 year without payments: $1,219.
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
The Military Lending Act protects active-duty servicemembers and their families from predatory lending. Any lender charging above 36% MAPR to military is breaking federal law.
Example
A payday lender charges a $15 fee per $100 borrowed for 2 weeks. For civilians, that's technically legal in some states. For military: that works out to 391% MAPR — illegal under the MLA.
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Usury laws are your main legal protection against predatory interest rates. But beware: some states have weak or no usury caps, and federal banks can sometimes override state limits.
Example
New York caps interest at 16% for most consumer loans (25% is criminal usury). If a lender tries to charge you 30% in NY, that loan is unenforceable — you could fight it in court.
An asset you pledge to the lender as security for a loan. If you stop paying, the lender can seize and sell that asset to recover their money.
Secured loans (with collateral) have lower interest rates because the lender has less risk. But you could lose your home, car, or savings if you default.
Example
A mortgage uses your house as collateral. A car loan uses your vehicle. A title loan uses your car title. If you miss payments, the lender can foreclose or repossess.
A charge added to your account when you miss a payment deadline. Most credit cards charge $29-$41 per late payment, and many loans have similar penalties.
The fee itself hurts, but the real damage is to your credit score. A payment 30+ days late stays on your credit report for 7 years and can drop your score 60-110 points.
Example
Your credit card payment of $150 is due March 1. You pay on March 18. The bank charges a $39 late fee. If it's 30+ days late, it gets reported to credit bureaus and your 760 score drops to 670.
A fee your bank charges when a payment bounces because there isn't enough money in your account. Also called a 'bounced check fee' or 'returned payment fee.'
NSF fees hit you twice — your bank charges you AND the company you were trying to pay may charge their own returned payment fee. That's $50-70 for one missed payment.
Example
Your auto-pay tries to pull $350 for rent, but you only have $280 in checking. Your bank charges $35 NSF fee. Your landlord charges $25 returned payment fee. Total damage: $60 in fees.
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
If a lender charges usurious rates, the loan may be void, penalties can be reduced, or you may be entitled to damages. Know your state's limits.
Example
Your state caps consumer loans at 24% APR. An online lender charges you 36%. That loan may be unenforceable, and you might only need to repay the principal — no interest or fees.
Using your credit card to get cash from an ATM or bank. It's one of the most expensive ways to borrow — higher interest rate, immediate interest accrual (no grace period), and an upfront fee.
Cash advances are a debt trap: 25-30% APR with no grace period plus a 3-5% fee. Interest starts the second you withdraw, not at the end of the billing cycle.
Example
You take a $500 cash advance. Fee: $25 (5%). Interest: 28% APR starting immediately. After 30 days, you owe $536.67. After 6 months of minimum payments, you've paid $85 in interest on $500.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
Affiliate Disclosure: CreditDoc may earn a commission when you click links to Advance America and other services. These commissions help us maintain our free research. Our editorial team independently evaluates all services. Compensation does not influence our ratings or rankings. Learn more.