Payday Loans in Harrietta, Michigan

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

Company nameAddressZip codePhone number
GreenStone Farm Credit Services 5285 US-223, Adrian, MI 49221 +1 (517) 263 - 9798
Lenco Credit Union 615 W Maple Ave, Adrian, MI 49221 +1 (517) 263 - 0851
Good Neighbors Services 200 Deer St, Manistique, MI 49854 +1 (906) 341 - 3927
Independent Bank 1985 W Genesee St, Lapeer, MI 48446 +1 (810) 245 - 8908
GreenStone Farm Credit Services 1570 Cleaver Rd, Caro, MI 48723 +1 (989) 673 - 6128
Chase Mortgage 7645 S State St, Harbor Springs, MI 49740 +1 (231) 526 - 6243
Southern Michigan Bank & Trust 136 N Nottawa St, Mendon, MI 49072 +1 (269) 496 - 2145
TCU 1500 S 11th St, Niles, MI 49120 +1 (269) 687 - 6113
Chemical Bank 303 Arlington St, Middleville, MI 49333 +1 (269) 795 - 3361
Charlevoix State Bank 100 Main St, East Jordan, MI 49727 +1 (231) 536 - 5511

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Harrietta, MI, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Lansing, MI, Payday Loan Without a Credit Check in Lincoln Park, MI, Bad Credit Loans in Livonia, MI, Payday Loan Without a Credit Check in Macomb, MI, Payday Loans in Madison Heights, MI, Quick Loan in Midland, MI, Payday Loans in Muskegon, MI and Payday Loans in Novi, 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 Harrietta, MI.

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

49638

Are Payday Loans Legal In Harrietta, 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)

Harrietta, MI payday loan calculator

Payday Loans in Harrietta, Michigan – A Comprehensive Guide

If you are considering getting a payday loan in Harrietta, Michigan, then it is important to understand the details of this type of loan. Payday loans are legal in Michigan, but before taking one out, you need to be familiar with the rules and regulations governing these loans. This article will provide a comprehensive guide on payday loans in Harrietta, Michigan, to help you make an informed decision.

What is a Payday Loan?

A payday loan is a type of short-term loan that you can take out when you need money quickly. Typically, you borrow a small amount of money – usually less than $500 – and repay it in full when you receive your next paycheck. The purpose of a payday loan is to provide you with money to cover unexpected expenses, such as car repairs or medical bills, that cannot wait until your next payday.

How to Get a Payday Loan in Harrietta, Michigan

In Harrietta, Michigan, you can get a payday loan from a licensed lender. To qualify for a payday loan in Michigan, you must:

  • Be at least 18 years old
  • Be a US citizen or resident
  • Have a regular source of income
  • Have an active checking account
  • Not be an active member of the military or a dependent of an active member of the military

If you meet these requirements, you can apply for a payday loan in Harrietta. You can either fill out an online application or visit a physical lender. It is important to compare rates and terms from different lenders before you choose one.

What are the Costs of a Payday Loan in Harrietta, Michigan?

The costs of a payday loan in Harrietta, Michigan, include:

  • Finance charges: The lender charges a finance charge, which is expressed as a dollar amount per $100 borrowed. For example, if you borrow $300, and the finance charge is $30 per $100 borrowed, you would pay $90 in finance charges.
  • Interest: Michigan law allows lenders to charge up to 600% APR on payday loans. The actual APR you are charged will depend on the lender and your creditworthiness.
  • Other fees: Some lenders may charge additional fees, such as origination fees or late payment fees.

It is important to read and understand the terms of your payday loan before you sign the loan agreement. Make sure you are aware of all the costs associated with the loan.

What Happens If You Cannot Repay Your Payday Loan?

If you cannot repay your payday loan on time, you may be able to extend the loan term. However, this will involve additional fees and interest charges. If you still cannot repay the loan, the lender may take legal action against you to collect the debt.

It is important to only take out a payday loan if you are confident that you can repay it on time. Failure to repay the loan can result in serious financial difficulties.

Interesting Facts and Statistics about Payday Loans in Harrietta, Michigan

  • In Michigan, the average payday loan borrower takes out eight loans per year.
  • Payday loans in Michigan have an average APR of 369%.
  • The payday loan industry generates $3.4 billion in fees annually.

Apply Now for a Payday Loan in Harrietta, Michigan

If you need a payday loan in Harrietta, Michigan, TheGuaranteedLoans can help you find a lender. We are a connector service that can facilitate your connection with potential lenders. Fill out our online application form, and we will match you with a lender that meets your needs. Remember, always read and understand the terms and conditions of your loan before you sign the agreement.

Conclusion

Payday loans can be a helpful way to get quick cash to cover unexpected expenses. However, it is important to understand the costs and risks associated with these loans before you take one out. By following the rules and regulations governing payday loans in Harrietta, Michigan, and by borrowing responsibly, you can use payday loans to your advantage.

F.A.Q.

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

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

Yes, a payday lender in Harrietta, 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.