Payday Loans in Saint Clair Shores, Michigan

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No payday loan companies in Saint Clair Shores, MI. Consider companies in other cities:

Company nameAddressZip codePhone number
Advance America 3970 US Highway 131 S, Ste B1, Cadillac, MI 49601 +1 (231) 779 - 6120
Check Into Cash 793 S Wayne Rd, Westland, MI 48186 +1 (734) 722 - 3050
Walmart Money Center 1700 Anderson Rd, Petoskey, MI 49770
ELGA Administration 2305 S Center Rd, Burton, MI 48519 +1 (800) 882 - 6457
Joseph Gawron - Prudential Financial 3033 Orchard Vista Dr SE 102, Grand Rapids, MI 49546 +1 (616) 802 - 6769
Frankenmuth Credit Union Saginaw Town and Country Branch 2796 Erna Dr, Saginaw, MI 48603 +1 (989) 497 - 1600
PFCU Lansing in front of Menards at, 644 Migaldi Lane Suite 100 W. Saginaw Hwy, I-96, Lansing, MI 48917 +1 (844) 517 - 3611
Western Union Rite Aid, 1701 South M-139, Benton Harbor, MI 49022 +1 (269) 927 - 3101
Raymond James 201 E Center St, Douglas, MI 49406 +1 (269) 857 - 2860
Check `n Go 1153 S Main St, Chelsea, MI 48118 +1 (734) 433 - 2662

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Saint Clair Shores, MI, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Without a Credit Check in Southfield, MI, Payday Loan Without a Credit Check in Sterling Heights, MI, Online Loans in Taylor, MI, Payday Loans in Troy, MI, 24-Hour Loan in Warren, MI, Payday Loans in Westland, MI, Payday Loan Companies in Wyoming, MI and Payday Loans in Ann Arbor, 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 Saint Clair Shores, MI.

Beautiful sights of Saint Clair Shores, MI

Are Payday Loans Legal In Saint Clair Shores, 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)

Saint Clair Shores, MI payday loan calculator

Payday Loans in Saint Clair Shores, Michigan: What You Need to Know

Emergencies happen, and sometimes they require extra financial help. Payday loans are one option to consider if you need quick cash. In Michigan, payday loans are legal, and if you live in Saint Clair Shores, there are quite a few lenders to choose from.

Before you take out a payday loan, it’s essential to understand the terms and how they work. In this guide, we’ll cover what you need to know about payday loans in Saint Clair Shores, Michigan.

How Do Payday Loans in Michigan Work?

A payday loan is a short-term loan with a high-interest rate. In Michigan, the maximum amount you can borrow is $600, and lenders cannot charge more than 15% per $100 borrowed. For example, if you borrow $100, you’ll pay $15 in fees and have to repay $115.

As with any loan, it’s essential to read the fine print and understand the fees and terms associated with the loan. In Michigan, payday loans have a term of 31 days, and lenders cannot charge additional fees or finance charges beyond the original fees.

What Are the Requirements for a Payday Loan in Saint Clair Shores, Michigan?

To apply for a payday loan in Saint Clair Shores, you must meet a few requirements:

  • Be at least 18 years old
  • Have a valid photo ID
  • Have a checking account
  • Have proof of income, such as a recent pay stub

Some lenders may have additional requirements, so it’s important to ask before applying.

What Are the Benefits of Payday Loans in Saint Clair Shores, Michigan?

Payday loans can provide quick cash when you need it, and they are also very accessible. Lenders do not usually require a credit check, making them an option for those with poor credit. Additionally, the application process is straightforward and can usually be completed online or in-store in just a few minutes.

However, it’s essential to remember that payday loans come with high-interest rates and fees, and they can lead to a cycle of debt if not repaid on time.

Interesting Statistics and Facts about Payday Loans in Saint Clair Shores, Michigan

  • According to a report by the Center for Responsible Lending, the average payday loan borrower in Michigan has 10 loans per year, with an average loan amount of $336.
  • The total amount of payday loan fees paid in Michigan in 2019 was over $122 million.
  • Michigan is one of 32 states that allow payday lending.

Apply Now for a Payday Loan in Saint Clair Shores, Michigan

If you find yourself in need of quick cash in Saint Clair Shores, Michigan, TheGuaranteedLoans can help connect you with potential lenders. Our service is free and accessible to all. We are not a direct lender but a connection service that will help you find a lender that suits your needs.

Simply fill out an online application on our website to get started. Our application process is easy and takes just a few minutes to complete. Apply now to see if you qualify for a payday loan in Saint Clair Shores, Michigan.

Disclaimer:

Please note that payday loans are a high-cost form of credit and are not a long-term solution for financial difficulties. Before applying for a payday loan, consider alternative options such as seeking assistance from a friend or family member, negotiating with your creditors, or getting a small loan from a bank or credit union.

F.A.Q.

Are there any non-profit organizations that provide assistance with payday loan issues in Saint Clair Shores, Michigan?

Yes, there are several non-profit organizations in Saint Clair Shores, Michigan that provide assistance with payday loan issues, such as the Michigan Consumer Credit Counseling Service and the Legal Aid and Defender Association.

Can I be charged additional fees or penalties if I am unable to repay a payday loan on time in Saint Clair Shores, Michigan?

Yes, if you are unable to repay a payday loan on time in Saint Clair Shores, Michigan, the lender may charge additional fees or penalties.