Exhibit 31.2

                                  CERTIFICATION


I, Donald Gayhardt, certify that:

1.  I have reviewed this annual report on Form 10-K of Dollar  Financial  Group,
    Inc.;

2.  Based on my  knowledge,  this  annual  report  does not  contain  any untrue
    statement of a material fact or omit to state a material  fact  necessary to
    make the  statements  made, in light of the  circumstances  under which such
    statements  were made, not misleading  with respect to the period covered by
    this annual report;

3.  Based  on my  knowledge,  the  financial  statements,  and  other  financial
    information  included in this annual report,  fairly present in all material
    respects the financial  condition,  results of operations  and cash flows of
    the registrant as of, and for, the periods presented in this annual report;

4.  The  registrant's  other  certifying  officer(s) and I are  responsible  for
    establishing and maintaining  disclosure controls and procedures (as defined
    in Exchange Act Rules 13a-15(e) and 15d-15(e)) for the registrant and have:

    a)  Designed  such  disclosure  controls  and  procedures,  or  caused  such
        disclosure controls and procedures to be designed under our supervision,
        to  ensure  that  material   information  relating  to  the  registrant,
        including its consolidated  subsidiaries,  is made known to us by others
        within  those  entities,  particularly  during  the period in which this
        annual report is being prepared;

    b)  [Paragraph omitted pursuant to SEC Release Nos. 33-8238 and 34-47986];

    c)  Evaluated the effectiveness of the registrant's  disclosure controls and
        procedures  and  presented  in this  report  our  conclusions  about the
        effectiveness of the disclosure  controls and procedures,  as of the end
        of the period covered by this report based on such evaluation; and

    d)  Disclosed in this report any change in the registrant's internal control
        over financial  reporting  that occurred  during the  registrant's  most
        recent fiscal  quarter (the  registrant's  fourth fiscal  quarter in the
        case of an annual report) that has materially affected, or is reasonably
        likely to materially  affect,  the  registrant's  internal  control over
        financial reporting.

5.  The registrant's other certifying officer(s) and I have disclosed,  based on
    our most recent evaluation of internal control over financial reporting,  to
    the registrant's  auditors and the audit committee of the registrant's board
    of directors (or persons performing the equivalent functions):

    a)  All  significant  deficiencies  in the design or  operation  of internal
        control  over  financial   reporting  which  are  reasonably  likely  to
        adversely affect the registrant's ability to record, process,  summarize
        and report financial information; and

    b)  Any fraud,  whether or not material,  that involves  management or other
        employees  who  have a  significant  role in the  registrant's  internal
        control over financial reporting.



Date: September 15, 2004
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                                         /s/ Donald Gayhardt
                                         ---------------------------------
                                         Donald Gayhardt
                                         President (principal financial officer)