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Payday Loans in Michigan — Laws, Limits & Online Lenders

Compare licensed payday lenders in Michigan. One application, multiple offers, no credit impact.

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2 Compare Offers
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Michigan Payday Loan Laws at a Glance

Max Loan Amount $600
Max APR 369%
Max Term 31 days
Rollovers Prohibited
Cooling-Off Period None
Governing Statute Mich. Comp. Laws § 487.2121

How to Get a Payday Loan in Michigan

Getting a payday loan in Michigan is straightforward. Fill out the form above with your basic information — name, address, income, and bank account details. Our network of Michigan-licensed lenders reviews your application and presents offers based on your profile.

You compare terms, choose the offer that works best for you, and funds are deposited directly into your bank account — often the same day or next business day.

Requirements for Michigan Borrowers

  • Must be 18 years or older (resident of Michigan)
  • Active checking account
  • Regular source of income
  • Valid government-issued ID
  • Not active-duty military

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What to Know Before Borrowing in Michigan

Under Mich. Comp. Laws § 487.2121, payday lenders in Michigan may charge up to the state maximum on qualifying loans. Make sure you understand the total repayment amount before accepting any offer. If you cannot repay on time, contact your lender immediately — Michigan may require lenders to offer an extended payment plan.

For more information on payday loan regulations across all states, see our Michigan and other state payday loan laws.

Payday Loans by City in Michigan

Select your city for local payday loan information, lender options, and Michigan regulations that apply to your area.

Detroit Grand Rapids Warren Sterling Heights Lansing Ann Arbor Flint Dearborn Livonia Troy Westland Farmington Hills Kalamazoo Wyoming Southfield Rochester Hills Taylor Canton Pontiac St. Clair Shores

Michigan Payday Loan FAQ

Are payday loans legal in Michigan?

Yes. Payday loans are legal in Michigan under Mich. Comp. Laws § 487.2121. Lenders must be licensed by the state banking regulator.

How much can I borrow in Michigan?

The maximum payday loan amount in Michigan is $600. Your actual loan amount depends on your income and the lender's assessment.

What is the maximum APR in Michigan?

The maximum APR for payday loans in Michigan is approximately 369%. Actual rates vary by lender within this limit.

Can I roll over a payday loan in Michigan?

Prohibited

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