Michigan Cash Advance and Payday Loans

What are the minimum requirements to apply for a payday loan?

  • 18 years of age or older
  • U.S. Citizenship Valid checking or savings account with direct deposit
  • Regular income of at least $1,000 per month
  • Not a regular or reserve member of the Army, Navy, Marine Corps, Air Force, or Coast Guard (or a dependent thereof), serving on active duty under a call or order that does not specify a period of 30 days or fewer

Are you looking for an online payday loan in Michigan? Submit the easy form and if approved we can connect to dozens of lenders that may be able to lend you up to $1,000!

 

 

The basics of how payday loans work.

If you have found yourself in a financially tough spot, it can be overwhelming trying to figure out how you are going to manage your way through it. Luckily, payday loans serve as a wonderful guide to help navigate individuals through an economic crisis. They can prove to be especially helpful to those with bankruptcy on their credit score or to those with bad credit or none at all. Payday loan lenders do not require a credit check in order to dictate approval. Rather, the borrower’s pay check serves as collateral to ensure the payday loan will be repaid upon the upcoming pay date; thus the name ‘payday loan.’

The information below provides a quick overview of commonly asked questions people often have regarding payday loans.

What is a payday loan?
A payday loan is a loan offered on a short-term basis, typically set to be repaid upon the borrower’s next pay date.

How long does it take to get a payday loan in Michigan?
Payday loans are designed to be quick in all aspects. In most cases, the application takes only a matter of minutes to complete. The approval process and transfer of your loan is done in just a few short hours; most people are able to access their payday loan by the following business day.

How much money can I borrow?
The amount of money you may borrow is dependent on a number of factors. In any case, it is advised that you figure how much you need beforehand to avoid taking out more than you need. This will save you from having to pay interest on money that you don’t need to borrow.

When does my payday loan need to be repaid?
Payday loans are usually set to be repaid upon the borrower receiving their next paycheck, thus the name ‘payday loan.’ However, if more time is needed to gather the money to repay the loan, lenders do allow an extension or rollover of the payday loan. The laws regarding rollovers vary by state so make sure to check your local laws beforehand.

I have been rejected by other lenders in Michigan, why will I be approved for a payday loan?
Many people who apply for credit cards or large loans from banks or other lending institutions find it harder to be approved for a loan. In most instances, their credit score plays a major influence when factoring in a customer’s credit worthiness. However, payday loans do not require a credit check so many people who have struggles securing a loan elsewhere often find approval with payday loans. Due to the short turnaround of payday loans, the borrower’s paycheck serves as collateral on the loan so no credit check needs to be performed.

We cover following cities in Michigan:

Adrian
Albion
Algonac
Allegan
Allendale
Allen Park
Alma
Almont
Alpena
Ann Arbor
Argentine
Armada
Auburn Hills
Au Sable
Bad Axe
Bangor
Baraga
Bath
Battle Creek
Bay City
Beecher
Beechwood
Belding
Bellaire
Bellevue
Benton Harbor
Benton Heights
Berkley
Berrien Springs
Bessemer
Beverly Hills
Big Rapids
Bingham Farms
Birch Run
Blissfield
Boyne City
Breckenridge
Bridgman
Brighton
Bronson
Brownlee Park
Buchanan
Burton
Byron Center
Cadillac
Canadian Lakes
Capac
Caro
Cass City
Cassopolis
Cedar Springs
Center Line
Centreville
Charlevoix
Charlotte
Cheboygan
Chelsea
Chums Corner
Clare
Clawson
Clinton
Clio
Coldwater
Coleman
Comstock Park
Constantine
Coopersville
Corunna
Cutlerville
Davison
Dearborn
Dearborn Heights
Delton
Detroit
DeWitt
Dexter
Dimondale
Douglas
Dowagiac
Dundee
Durand
East Jordan
East Lansing
Eastpointe
East Tawas
Eastwood
Eaton Rapids
Ecorse
Edgemont Park
Edmore
Edwardsburg
Elk Rapids
Escanaba
Essexville
Evart
Fair Plain
Farmington
Farmington Hills
Fennville
Fenton
Ferndale
Ferrysburg
Flat Rock
Flint
Flushing
Forest Hills
Fowler
Frankenmuth
Fraser
Freeland
Fruitport
Galesburg
Garden City
Gaylord
Gibraltar
Gladstone
Gladwin
Goodrich
Grand Blanc
Grand Haven
Grand Ledge
Grand Rapids
Grandville
Grayling
Greenville
Greilickville
Grosse Pointe
Grosse Pointe Farms
Grosse Pointe Park
Grosse Pointe Woods
Gwinn
Hamtramck
Hancock
Harbor Beach
Harbor Springs
Harper Woods
Harrison
Hart
Hartford
Haslett
Hastings
Hazel Park
Hemlock
Highland Park
Hillsdale
Holland
Holly
Holt
Homer
Houghton
Houghton Lake
Howell
Hubbell
Hudson
Hudsonville
Huntington Woods
Imlay City
Indian River
Inkster
Ionia
Iron Mountain
Iron River
Ironwood
Ishpeming
Ithaca
Jackson
Jenison
Jonesville
Kalamazoo
Kalkaska
Keego Harbor
Kentwood
Kingsford
Kingsley
Laingsburg
Lake Fenton
Lake Isabella
Lake Odessa
Lake Orion
Lakeview
Lambertville
Lansing
Lapeer
Lathrup Village
Laurium
Lexington
Lincoln Park
Litchfield
Livonia
Lowell
Ludington
Luna Pier
Madison Heights
Mancelona
Manchester
Manistee
Manistique
Manton
Marcellus
Marine City
Marlette
Marquette
Marshall
Marysville
Mason
Mattawan
Melvindale
Menominee
Middleville
Midland
Milan
Milford
Mio
Monroe
Montague
Morenci
Mount Clemens
Mount Morris
Mount Pleasant
Muskegon
Muskegon Heights
Negaunee
Newaygo
New Baltimore
New Buffalo
Niles
North Branch
Northview
Northville
Norton Shores
Novi
Oak Park
Okemos
Olivet
Ontonagon
Orchard Lake Village
Ortonville
Otsego
Ovid
Owosso
Oxford
Parchment
Paw Paw
Paw Paw Lake
Perry
Petersburg
Petoskey
Pinckney
Pinconning
Plainwell
Pleasant Ridge
Plymouth
Pontiac
Portage
Port Huron
Portland
Potterville
Prudenville
Quincy
Reading
Reed City
Reese
Richmond
River Rouge
Riverview
Rochester
Rochester Hills
Rockford
Rockwood
Rogers City
Romeo
Romulus
Roosevelt Park
Roscommon
Roseville
Royal Oak
Saginaw
Saline
Sand Lake
Saranac
Sault Ste. Marie
Schoolcraft
Shepherd
Skidway Lake
Southfield
Southgate
South Gull Lake
South Haven
South Lyon
South Monroe
South Rockwood
Sparta
Spring Arbor
Springfield
Spring Lake
Standish
St. Clair
St. Clair Shores
Sterling Heights
Stevensville
St. Helen
St. Ignace
St. Johns
St. Joseph
St. Louis
Stockbridge
Stony Point
Sturgis
Swartz Creek
Sylvan Lake
Tawas City
Taylor
Tecumseh
Temperance
Three Oaks
Three Rivers
Traverse City
Trenton
Trowbridge Park
Troy
Twin Lake
Utica
Vandercook Lake
Vassar
Walker
Walled Lake
Warren
Waverly
Wayland
Wayne
West Branch
West Ishpeming
Westland
West Monroe
Westwood
White Cloud
White Pigeon
Whitmore Lake
Williamston
Wixom
Wolf Lake
Wolverine Lake
Woodhaven
Wyandotte
Yale
Ypsilanti
Zeeland
Zilwaukee