Payday Loans in Genesee, Michigan

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

Company nameAddressZip codePhone number
Approved Cash 915 S Dort Hwy Unit G, Flint, MI 48503 +1 (810) 232 - 3913
PNC Bank 24734 Van Dyke Ave, Center Line, MI 48015 +1 (586) 757 - 1030
Community Choice Credit Union 7845 Spring Arbor Rd, Spring Arbor, MI 49283 +1 (877) 243 - 2528
Cash Rite Now 10049 Grand River Rd # 900, Brighton, MI 48116 +1 (810) 494 - 2274
Jackson Hewitt Tax Service 2129 W Houghton Lake Dr, Houghton Lake, MI 48629 +1 (989) 302 - 8099
MoneyGram 1229 S Parker St, Marine City, MI 48039 +1 (810) 765 - 3576
PNC Mortgage 901 S Garfield Ave, Traverse City, MI 49686 +1 (231) 935 - 1314
Huntington Bank 1223 Phoenix St, South Haven, MI 49090 +1 (269) 637 - 2566
U.P. Pawn 1212 N Stephenson Ave, Iron Mountain, MI 49801 +1 (906) 828 - 4288
Fifth Third Bank & ATM 10 S Broad St, Hillsdale, MI 49242 +1 (517) 437 - 7308

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Genesee, MI, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Flint, MI, Payday Loans in Grand Rapids, MI, Payday Loans in Holland, MI, Online Loans in Jackson, MI, Payday Loans in Kalamazoo, MI, Payday Loans in Lansing, MI, Payday Loans in Lincoln Park, MI and Payday Loans in Livonia, 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 Genesee, MI.

Beautiful sights of Genesee, MI

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

48437

Are Payday Loans Legal In Genesee, 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)

Genesee, MI payday loan calculator

About Payday Loans in Genesee, Michigan

Payday loans have become a popular choice for many people who experience temporary financial difficulties. Despite the high-interest rates, these short-term loans can help you make ends meet until your next paycheck. And in Michigan, payday loans are legal, making them a viable option for residents of Genesee.

How Payday Loans Work

Payday loans function as a cash advance from your paycheck. If you need money before your next payday, you can borrow a small sum of money (usually between $100 and $500) and pay it back with interest and fees once you receive your paycheck. However, the interest rates on payday loans can be quite high, often reaching over 300% APR.

Benefits of Payday Loans in Genesee, Michigan

In Genesee, Michigan, payday loans can be useful for many people. For example:

  • If you have an unforeseen expense, such as a medical bill or car repair, payday loans can help you cover the cost.
  • Payday loans can help you avoid late fees on bills, which can save you money in the long run.
  • If you need money quickly, payday loans can offer a fast solution, with many lenders offering same-day funding.

Note that payday loans should only be used in emergencies, as they can lead to a cycle of debt if not used responsibly.

Are Payday Loans in Genesee, Michigan Safe?

As long as you work with a reputable lender, payday loans can be a safe option. Make sure to read the terms and conditions carefully before signing any agreements and avoid lenders who engage in predatory lending practices or charge exorbitant fees.

Statistics on Payday Loans in Genesee, Michigan

According to a report from the Michigan Department of Insurance and Financial Services, in 2020, there were:

  • 395 licensed payday lenders in Michigan
  • 1.7 million individual payday loan transactions, totaling $1.9 billion
  • The average payday loan transaction was $425 with an average fee of $59

It’s worth noting that these statistics cover the entire state of Michigan, not just Genesee. However, they provide a snapshot of the prevalence of payday loans in Michigan.

Apply Now

If you’re interested in applying for a payday loan in Genesee, Michigan, TheGuaranteedLoans can help. We connect borrowers like you with potential lenders who can provide the funds you need. Keep in mind that we are a connector service, not a direct lender, so we won’t fund your loan directly. However, we’ll work hard to help you find a lender who’s willing to work with you.

To apply for a payday loan through TheGuaranteedLoans, simply fill out our online application form. We’ll ask for some basic information about yourself and your financial situation, and then we’ll connect you with lenders who may be willing to lend to you.

The Bottom Line

If you’re a resident of Genesee, Michigan, and you need a short-term loan to help you make ends meet, a payday loan may be an option to consider. However, it’s important to use these loans responsibly and only for emergencies, as the high-interest rates can lead to a cycle of debt if not managed carefully.

F.A.Q.

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

Yes, you may be charged late fees if you are unable to repay your payday loan in Genesee, 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 Genesee, Michigan garnish my wages if I default on my loan?

Yes, a payday lender in Genesee, 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.