Payday Loans in Bath, Michigan

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No payday loan companies in Bath, MI. Consider companies in other cities:

Company nameAddressZip codePhone number
Flagstar Bank 354 E Chicago St, Coldwater, MI 49036 +1 (517) 278 - 9887
Center for Technology & Training CTT 1400 Townsend Dr, Houghton, MI 49931 +1 (906) 487 - 2102
Honor Credit Union - Oshtemo 5713 Venture Park Dr, Kalamazoo, MI 49009 +1 (269) 372 - 4455
David Schweitzer - Raymond James 818 Red Dr, Traverse City, MI 49684 +1 (231) 995 - 9400
Advance America 2518 E Grand River Ave, Howell, MI 48843 +1 (517) 552 - 0765
Chase Bank 7645 S State St, Harbor Springs, MI 49740 +1 (231) 526 - 6243
Fifth Third Bank & ATM 321 S Saginaw Rd, Midland, MI 48640 +1 (989) 839 - 4448
Qwik Cash 814 S Main St Ste 4, Lapeer, MI 48446 +1 (810) 667 - 7520
Instant Cash Advance 835B E Chicago St, Coldwater, MI 49036 +1 (517) 279 - 9300
Shelby State Bank 30 N Meyers Rd, Ludington, MI 49431 +1 (231) 843 - 4878

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Bath, MI, you can try to find different companies in big cities near by. Check out the following pages here: Short-term Loans in Wyoming, MI, Payday Loans in Ann Arbor, MI, Payday Loans in Battle Creek, MI, Payday Loans in Bay City, MI, Online Loans in Bedford, MI, Payday Loans in Dearborn, MI, Emergency Loan in Dearborn Heights, MI and 24-Hour Loan in Detroit, MI. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Bath, MI.

Beautiful sights of Bath, MI

Payday Loans Available in Bath, MI By The Following ZIP Codes:

48808

Are Payday Loans Legal In Bath, Michigan?

Loan Rates and Fees, Laws and Regulations in Michigan.

Michigan Loan Regulations

Legal StatusLegal
Interest Rate (APR, %)369
Maximum Loan Amount$600
Minimum Loan TermNot Specified
Maximum Loan Term31 days
Number of Rollovers Allowed0
Finance Charges15%-11% (depending on the number of $100 transactions)

Bath, MI payday loan calculator

Understanding Payday Loans in Bath, Michigan

If you’re looking for a quick way to get cash in Bath, Michigan, you may have come across payday loans. These are short-term loans that borrowers can use to cover unexpected expenses or bills. Payday loans are legal in Michigan, but it’s important to understand the risks associated with them before you consider applying.

How Payday Loans Work

Payday loans work by giving borrowers a small loan amount, usually under $1000, to be paid back on their next payday. The loan is secured by the borrower’s paycheck, and lenders typically charge high interest rates and fees.

In Bath, Michigan, payday loans can be obtained through a storefront or online lender. Borrowers will need to provide proof of income and a checking account. They may also need to provide a post-dated check or authorize the lender to withdraw money from their account on the due date.

The Risks of Payday Loans

While payday loans can provide a quick source of cash for those in need, they come with significant risks:

  • High Interest Rates: Payday lenders often charge high interest rates, some as high as 400%. This can lead to a cycle of debt if borrowers are unable to repay the loan on time.
  • Short Repayment Terms: Payday loans typically have a repayment term of two weeks, which may not be enough time for borrowers to come up with the funds to pay back the loan.
  • Risk of Default: If borrowers are unable to repay the loan on time, they may face additional fees and charges, and their credit score may be negatively impacted.

Are Payday Loans Right for You?

Before considering a payday loan, it’s important to ask yourself whether it’s the best option for your financial situation. If you’re struggling with debt or have a low credit score, you may want to explore other options, such as:

  • Personal Loans: Personal loans may have lower interest rates and longer repayment terms than payday loans.
  • Credit Counseling: Credit counseling services can help you develop a debt management plan and negotiate with creditors.
  • Budgeting: It’s important to have a budget in place and to prioritize your spending to avoid falling into debt.

Interesting Facts about Payday Loans in Bath, Michigan

  • According to a report by the Center for Responsible Lending, the average payday loan borrower in Michigan takes out 10 loans per year, with an average loan amount of $350.
  • In 2019, the Michigan state legislature passed a law that would have created a database to track payday loans in the state, but the law was vetoed by Governor Gretchen Whitmer.

Apply Now with TheGuaranteedLoans

If you’re considering a payday loan in Bath, Michigan, TheGuaranteedLoans can help connect you with potential lenders. Our online application process is simple and secure, and we pride ourselves on providing quick and easy access to cash for those in need. Please note: TheGuaranteedLoans is a connector service, not a direct lender, and loan terms and conditions will vary by lender.

Don’t wait – apply now and get the cash you need when you need it most!

F.A.Q.

Can I be charged late fees for not repaying my payday loan in Bath, Michigan on time?

Yes, you may be charged late fees if you are unable to repay your payday loan in Bath, Michigan on time. These fees are typically a percentage of the unpaid balance and are capped at a certain amount by state law.

Can a payday lender in Bath, Michigan garnish my wages if I default on my loan?

Yes, a payday lender in Bath, Michigan can garnish your wages if you default on your loan. However, the amount garnished cannot exceed 25% of your disposable income or the amount by which your disposable income exceeds 30 times the federal minimum hourly wage, whichever is less.