Online Payday Loans in Michigan

Loans in Michigan can go up to $600 with terms that can stretch out as far as 31 Days.

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Online Loan Terms

Maximum Loan Amount
Minimum Loan Term
Maximum Loan Term
31 Days
Maximum APR%
Max Simultaneous Loans
Minimum Age

Why get an Online Loan in Michigan?

We get it. Sometimes, emergency expenses like consolidating debt come up and you need to get cash immediately. In any event, you don't have the income or credit to put it on your credit card.

Thankfully, getting an online loan in Michigan is quick and easy. It doesn't matter if you live in Detroit, Grand Rapids, Warren, or Sterling Heights, you can you loan deposited the same business day or if applying after 11am, the next business day.

How Much do Online Payday Loans in Michigan Cost?

The maximum annual percentage rate allowed by law in Michigan is 176.61% APR.

Finance Charges

Often, the APR includes the interest rate plus fees. In Michigan, lenders may charge a maximum of 15% up to the first $100 of loan plus 14% from $100 to $200 plus 13% from $300 to $400 plus 12% from $400 to $500 plus 11% from $500 to $600.

Representative Example

For example, Melodie has an unexpected consolidating debt expense and needs cash immediately. They can borrow up to $600 for up to 31 days at 176.61% APR. The high APR can make this example loan extremely expensive; Melodie will pay back a total of $688 including a total of $88 in interest and fees!

What You Need

Before you can get an online loan in Michigan, this is what you will need:

  • You must be at least 18 years old
  • Valid Michigan driver license or government issued ID
  • Checking or savings account
  • Most recent pay stub

Terms for Online Payday Loans in Michigan

Maximum loan terms in Michigan:

  • Maximum loan amont: $600
  • Maximum rate, including fees: 176.61%
  • Maximum loan length: $600

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