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Money Mart is a financial services retailer offering check cashing, cash advance loans ($50–$255), MoneyGram transfers, money orders, and prepaid cards at retail locations across multiple states.
Data compiled from public sources
Money Mart, operated by Dollar Financial Group, Inc., is a multi-state financial services provider with a primary focus on check cashing and short-term lending. The company operates retail locations in Alaska, Arizona, California, Louisiana, and Florida, with a stated mission to serve as a 'one-stop money services destination' for underbanked and unbanked consumers who need rapid access to cash and payment services.
The company's core service offerings include check cashing (including mobile check cashing via app), payday-style cash advance loans ranging from $50 to $255 with terms of 7 to 31 days, MoneyGram money transfer services, money orders, small business services, and prepaid Mastercard products (Momentum Prepaid Mastercard issued by The Bancorp Bank). Online cash advance applications are limited to California and Louisiana, while in-store loan applications are available in Alaska, Arizona, California, Louisiana, and Florida. A mobile app is available for convenience.
Money Mart distinguishes itself through its integrated service model, offering multiple financial products under one roof rather than specializing in a single service. The company explicitly acknowledges in its disclaimers that short-term loans 'can be expensive' and 'should not be used as long-term financial solutions,' and recommends credit counseling for customers with credit difficulties. MoneyGram operations are authorized across all 50 states and U.S. territories (NMLS #898432), and the company holds Money Transmitter licenses in multiple states including New York and Massachusetts.
The company's business model centers on convenience and speed of access to cash for consumers who may lack traditional banking relationships. However, the cost structure relies on check cashing fees (which vary by state and include per-item charges), currency exchange margins on MoneyGram transfers, and interest/fees on short-term loans. While the company provides legitimate financial services, consumers should recognize that this model is inherently expensive and designed for short-term emergency use rather than wealth-building or listed-cost personal finance.
This is state-level context for Check Cashing & Money Services consumers in Bakersfield, CA. It does not confirm that Money Mart or this specific location is licensed.
State regulator
California Department of Financial Protection and Innovation (DFPI)
Consumer protection
Short-term lending status: Legal
General rate context: 10% for personal/consumer loans (Article XV, CA Constitution); payday loans capped at $15 per $100
California regulates payday loans at a maximum of $300 with a $45 fee cap. The DFPI oversees all consumer lending and enforces the California Consumer Financial Protection Law. Consumers have strong rights under the state's comprehensive lending regulations, including the ability to file complaints online with the DFPI.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Money Mart offers 10 services including Check cashing (in-store and mobile via app), Cash advance loans ($50–$255, 7–31 day terms), MoneyGram money transfers (domestic and international), Money orders, Mobile check deposit via smartphone app, and 5 more.
Money Mart has profile signals associated with Consumers in AK, AZ, CA, LA, or FL who are researching emergency-cash timing and lack access to traditional bank loans, Unbanked individuals who need check cashing services and lack conventional bank accounts, Individuals sending money domestically or internationally via MoneyGram who want to avoid bank wire fees, Small business owners needing quick access to cash for immediate operational expenses.
Key strengths: Multiple products available at single location: check cashing, loans, MoneyGram, money orders, prepaid cards, and small business services; Online cash advance loan applications available in California and Louisiana, reducing need for in-store visit; Mobile app for check cashing allows remote deposit capability. Areas to consider: High cost structure: check cashing fees apply with per-item charges, and short-term loans are explicitly described on their website as potentially 'expensive'; Loan amounts are small ($50–$255) and unsuitable for most significant financial needs.
In the Check Cashing & Money Services category, comparable providers include Check Cashing & Grocery Deli Liquor Wine & Beer, Express Loans, Money Exchange Hernandez. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Money Mart is best suited for individuals in supported states who need immediate emergency cash access and lack traditional bank relationships, particularly for one-time check cashing or short-term loans. However, consumers should treat Money Mart services as expensive emergency solutions, not regular financial tools—the company itself warns that short-term loans can be costly and should not be used for long-term needs.
Check cashing service combined with grocery deli and liquor retail located in San Jose. Offers check cashing, money orders, and beverage/food sales.
Profile signals: Unbanked or underbanked customers in the San Jose area needing same-day cash access, Customers seeking convenient one-stop shopping combining financial services with grocery/liquor purchases
ACE Cash Express operates physical locations offering check cashing, payday loans, bill payment, and money transfer services without requiring a bank account.
Profile signals: Unbanked or underbanked consumers needing to cash checks without a bank account, Individuals seeking immediate bill payment options in cash at physical locations
Money Exchange Hernandez offers check cashing, money orders, wire transfers, and bill payment services in San Diego's San Ysidro neighborhood with extended hours.
Profile signals: Unbanked and underbanked consumers without traditional bank accounts, Cross-border commuters and San Ysidro residents needing rapid money transfer services
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