Payday Loans in Harbert, Michigan

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

Company nameAddressZip codePhone number
Cash On Demand 6404 S Westnedge Ave, Portage, MI 49002 +1 (269) 321 - 4100
PNC Real Estate 212 River St, Elk Rapids, MI 49629 +1 (231) 264 - 2002
Lake Trust Credit Union 8420 Billwood Hwy, Dimondale, MI 48821 +1 (888) 267 - 7200
Cash Net Advance 20914 Gratiot Ave, Eastpointe, MI 48021 +1 (586) 200 - 2405
Michigan One Community Credit Union 3081 Commerce Lane, Ionia, MI 48846 +1 (616) 527 - 3900
Cash On Demand 3721 S Westnedge Ave, Kalamazoo, MI 49008 +1 (269) 532 - 1395
Awakon Federal Credit Union 20855 Washington St, Onaway, MI 49765 +1 (989) 733 - 8557
Clare County Title Co 195 W Main St, Harrison, MI 48625 +1 (989) 539 - 7134
Honor Credit Union - Oshtemo 5713 Venture Park Dr, Kalamazoo, MI 49009 +1 (269) 372 - 4455
Bank of America with Drive-thru services 395 Briarwood Cir, Ann Arbor, MI 48108 +1 (734) 747 - 7638

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Harbert, MI, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Macomb, MI, Same Day Loans in Madison Heights, MI, Payday Loans in Midland, MI, Payday Loan for Muskegon, MI, Payday Loans in Novi, MI, Online Loans in Pontiac, MI, Payday Loans in Portage, MI and Bad Credit Loans in Roseville, 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 Harbert, MI.

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

49115

Are Payday Loans Legal In Harbert, 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)

Harbert, MI payday loan calculator

The Ins and Outs of Payday Loans in Harbert, Michigan

If you’re in need of quick cash to cover an unexpected expense, a payday loan may seem like a great option. However, before taking out a payday loan in Harbert, Michigan, it’s crucial to understand the terms and risks involved.

What is a Payday Loan?

A payday loan is a type of short-term loan that is typically due on your next payday. These loans are advertised as a way to bridge the gap between paychecks when unexpected expenses arise. In Michigan, payday loans are legal and can range from $100 to $600.

How Do Payday Loans Work in Harbert, Michigan?

To obtain a payday loan in Harbert, Michigan, you must provide a post-dated check made payable to the lender for the amount borrowed plus fees. When your loan is due, the lender will cash the check. If you can’t pay the loan in full on the due date, you can request a payment plan.

The fees associated with payday loans in Harbert can be high, with interest rates often reaching 400% APR. This means that if you borrow $100, you may pay up to $15 in interest and fees for a two-week loan term.

Are There Alternatives to Payday Loans?

While payday loans may seem like a quick fix, they can lead to a cycle of debt that’s hard to break. There are alternatives to payday loans in Harbert, such as:

  • Personal loans from a bank or credit union
  • Credit card cash advances
  • Borrowing from friends or family
  • Selling items you no longer need

Interesting Facts and Statistics about Payday Loans in Harbert, Michigan:

  • According to the Center for Responsible Lending, the average payday borrower in Michigan takes out 8 loans a year.
  • In Michigan, payday lenders can charge up to 15% of the first $100, 14% of the second $100, 13% of the third $100, 12% of the fourth $100, and 11% of the fifth and sixth $100 for loans up to $600.
  • While payday loans are legal in Michigan, some cities have passed ordinances to limit their prevalence. In 2018, Detroit passed an ordinance limiting payday loans to 50% of a borrower’s monthly income.

Apply Now

If you’ve weighed your options and decided that a payday loan is right for you, fill out an online application on TheGuaranteedLoans website. As a connector service, we work with a network of potential lenders and will help facilitate your application process. Remember to only borrow what you can afford to pay back and prioritize paying off the loan as soon as possible to avoid accruing more debt.

In conclusion, payday loans may seem like a quick fix, but they come with high fees and the potential for a cycle of debt. It’s important to explore all of your options and borrow responsibly. If you have any questions or concerns about payday loans in Harbert, Michigan, reach out to the team at TheGuaranteedLoans for guidance and support.

F.A.Q.

Can I file for bankruptcy to discharge my payday loan debt in Harbert, Michigan?

Yes, you may be able to file for bankruptcy to discharge your payday loan debt in Harbert, Michigan, depending on your specific circumstances. It is recommended to consult with a bankruptcy attorney to determine the best course of action.

What happens if I default on my payday loan in Harbert, Michigan?

If you default on your payday loan in Harbert, Michigan, the lender may choose to pursue collections actions against you, such as garnishing your wages or seizing your assets.