Easy Cash offers title loans up to $15,000 and payday loans up to $1,100 with approval in as little as 30 minutes at their Miami location.
Editorially reviewed by Harvey Brooks
Easy Cash operates as a storefront lender in Miami, Florida, offering fast short-term lending solutions through title loans and payday loans. The company is part of a larger network of Title & Payday Loans locations across Florida, with their main Miami branch located at 14600 NW 7th Ave. They position themselves as a rapid-access emergency lending provider designed for consumers facing immediate cash needs.
The company offers two primary loan products: payday loans (up to $1,100) and title loans (up to $15,000), with both available through in-store and online application channels. They also offer title pawns and online title loans. Easy Cash advertises approval timelines as quick as 30 minutes, with same-day funding available after approval. The application process is described as simple and free, requiring consumers to either visit the physical location or complete an online form that connects them with a lender.
Easy Cash distinguishes itself through its rapid approval and funding timeline, which is positioned as a key advantage for emergency situations. They operate extended hours (Monday-Friday 9AM-6PM, Saturday 9AM-4PM) and maintain a physical storefront presence, allowing for in-person transactions. The company offers relatively high maximum loan amounts compared to typical payday lenders, particularly with title loans reaching $15,000. Their website includes FAQs about the lending process and maintains a transparent fee and rates disclosure page.
However, prospective borrowers should recognize that title and payday loans carry significant costs and risks. The website does not prominently display APR, interest rates, or specific fees in accessible locations, requiring navigation to a dedicated rates/fees page. Title loans carry repossession risk as they require vehicle collateral. These products are designed for short-term emergency use, not long-term financial solutions, and can create debt cycles if renewal or rollover occurs. The 404 errors on their About and How It Works pages suggest incomplete website information.
See which lenders actually approve borrowers with bad credit. We compared APRs, fees, minimum scores, and funding speed.
Yes. Easy Cash is a registered company headquartered in 14600 NW 7th Ave, Miami, FL 33168. They hold a NR rating with the Better Business Bureau.
CreditDoc Diagnosis
Easy Cash is best for consumers facing genuine emergencies who own vehicles and can accept high borrowing costs in exchange for rapid access to cash. The critical caveat is that title and payday loans are expensive short-term products that carry significant risks—vehicle repossession for title loans and debt cycle potential for both products—and should only be considered after exploring alternatives like credit unions, personal lines of credit, or emergency assistance programs.
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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.
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