Welcome to Bay Financial!

We’re a company proudly serving the Baltimore community for over 18 years. Dedicated to helping working families navigate the rocky waters of an increasingly difficult financial world. Our cash advances and check cashing save our customers time and money. Our store location (right at the beltway) and great store hours make it convenient.

Origins of Bay Financial

Bay Financial was from its inception a franchisee of the Cash Plus franchise group, a financial services company based in Southern California.  Though ownership of the business was always “local” the Cash Plus name didn’t necessarily reflect it.  Given that fact, it was more appropriate we name the company something to reflect that “local” nature hence the name Bay Financial.

When you come into our beautiful store you can’t help but notice all the references to Baltimore, the State of Md, and the Chesapeake Bay.  We are very proud of our Maryland roots.

So why cash with Bay Financial?

For one, our managers are veterans of the industry, each with 10 plus years of experience so if you need a question answered whether it be cash advance, or check cashing, it will be answered on the spot.  No waiting around for a return phone call from corporate.

We are licensed with the Dept of Labor and Licensing, State of Maryland, and in business for 18 years.  Credibility matters, and you will be comfortable doing business with Bay Financial.

Our service is always fast, friendly, and courteous.  Customer surveys consistently rate Bay Financial as a leader in the industry.

Membership has its benefits: For our check cashing customer, every ten times you cash with Bay Financial, the 11th check gets cashed free (up to $600).  Our cash advance and check cashing customers always get money orders no charge.   Membership saves time, no extra time waiting around when you can be on your way.

Location: You know what they always say, “location, location, location” Bay Financial resides in the Belair Beltway Plaza, (land marks-Carraba’s Resturant and movie theaters) literally right at the beltway on the north side of town, exit 32A Belair Road, Overlea/Fullerton easily accessible from anywhere in Baltimore Metro.

Great store hours:  Bay Financial is open six days a week including Saturdays.  When the banks are closed we’re open!

Professional Licenses and Affiliations

Licensed with DLLR, State of Md, Check Cashing and responsible members of Financial Service Centers of America (FISCA) and the Maryland Association of Financial Centers (MAFSC).

Our Services:

Check Cashing

We cash all kinds of checks: Payroll, Government, Insurance, 401k/Investment, tax refunds, Attorney  checks.  We cash them all, and at very low rates, too.

Post-Dated Check/Cash Advance

Customers use cash advances for a whole host of reasons.  Maybe it’s for an unexpected expense such as a car repair, or more commonly-avoiding costly bounced checks, and late charges on credit cards or bill payments.  The application process is fast (usually within 30 minutes), and you walk out the door with cash same day, it’s that simple.

Money Orders

Bay Financial money orders are free for members, and membership is free, too .  For non-members the cost is $1.50 up to $500.00

Western Union is the money order of choice.

Bill Payment

We accept payments for most utilities, and other bills.

Most popular services

We offer our customers ways to save time and money
70%
Check/Cash Advance
50%
Check Cashing
30%
Money Orders
40%
Bill Payments
20%
Mailboxes