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The Check Cashing Store offers check cashing, payday loans ($100–$1,000), money transfers, and prepaid cards across Florida with 30+ years operating history.
Data compiled from public sources
The Check Cashing Store has operated for over 30 years providing financial services to Miami and towns across Florida. The company is part of Dollar Financial Group, Inc., operating under the Money Mart brand umbrella, and maintains a physical location at 7275 NW 36th Street in Miami, FL 33166. They position themselves as a convenient alternative financial services provider for customers seeking non-bank solutions.
The company offers check cashing (including mobile check cashing), payday loans ranging from $100–$1,000 with terms from 7 to 90 days (available both online and in-store), MoneyGram money transfer services, money orders, prepaid Mastercard products (Momentum Prepaid Mastercard issued by The Bancorp Bank), and small business services. Their store operates extended weekday hours (10 AM–7 PM Monday–Friday, 9 AM–5 PM Saturday) to accommodate working customers.
The Check Cashing Store distinguishes itself through long operational tenure (30+ years), multi-service offerings under one roof, availability of both in-store and online payday loans, extended operating hours, and a mobile app for check cashing. They are licensed money transmitters authorized to operate across all 50 states and U.S. territories, with MoneyGram authorization (NMLS #898432). The prepaid card offering provides banking-adjacent services without requiring traditional bank accounts.
However, customers should understand that payday loans carry inherent risks: the website explicitly warns that short-term loans should not be used as long-term financial solutions and that borrowers using these products over months face expensive cumulative costs. Standard check cashing fees vary by state and include per-item charges. The company does not disclose specific APR rates on their website, making it difficult to compare cost-effectiveness upfront. While the 30-year history suggests stability, payday lending itself remains a high-cost, debt-prone financial product.
This is state-level context for Check Cashing & Money Services consumers in Miami, FL. It does not confirm that The Check Cashing Store or this specific location is licensed.
State regulator
Florida Office of Financial Regulation
Consumer protection
Short-term lending status: Legal
General rate context: 18% for loans under $500,000; 25% criminal usury threshold; payday loans regulated separately
Florida allows payday lending with notable consumer protections including a statewide database preventing multiple simultaneous loans, a $500 cap, and a 24-hour cooling-off period. The Office of Financial Regulation oversees all consumer lenders. Consumers can file complaints online through the OFR or the Attorney General.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
The Check Cashing Store offers 8 services including Check cashing (in-store and mobile), Payday loans ($100–$1,000, 7–90 day terms), MoneyGram international money transfers, Money orders, Momentum Prepaid Mastercard, and 3 more.
The Check Cashing Store has profile signals associated with Unbanked or underbanked workers in Miami needing immediate check cashing without bank account, International money transfer users seeking MoneyGram services with extended retail hours, Individuals with poor credit unable to access traditional bank loans but facing short-term cash shortfall (with caution about debt cycle risk).
Key strengths: 30+ years of operating history in Florida market, suggesting established stability; Multiple services (check cashing, payday loans, money transfer, money orders, prepaid cards) available at single location; Extended operating hours (10 AM–7 PM weekdays, 9 AM–5 PM Saturday) accommodate working customers. Areas to consider: Payday loan APRs not disclosed on website; customers cannot compare rates upfront before visiting store; Company explicitly warns payday loans become expensive when used over multiple months, indicating debt-spiral risk inherent to the product.
In the Check Cashing & Money Services category, comparable providers include Check Cashing Store, Check Cashing USA, Check Cashing USA. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
The Check Cashing Store serves unbanked Miami residents and workers needing rapid access to cash and money transfer services without traditional banking relationships. The critical caveat: payday loans are explicitly positioned as short-term solutions, yet the company's own website warns these become expensive when used repeatedly—a common pattern indicating customers should explore alternatives like credit union PALs or employer advances before using payday loans.
The Check Cashing Store offers check cashing, payday loans ($100-$1,000), money orders, and MoneyGram services across Florida with over 30 years of operating history.
Profile signals: Consumers needing immediate check cashing with same-day access in the Miami area, Short-term borrowers seeking payday loans with flexible repayment periods (7-90 days) rather than standard 2-week terms
Check Cashing USA Hallandale Beach, Florida — Check Cashing USA offers check cashing, money orders, and wire transfers at their Hallandale Beach, FL loc...
Profile signals: Unbanked and underbanked individuals who are researching short-term cash access without a bank account, Workers with irregular pay schedules who need check cashing outside standard banking hours
Check Cashing USA offers check cashing, payday loans, installment loans, prepaid debit cards, money orders, and wire transfers at their Hialeah, FL location with extended hours.
Profile signals: Unbanked or underbanked workers needing immediate paycheck access without a bank account, Individuals without access to credit who face genuine emergencies requiring short-term cash access
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