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Michigan Payday Loans

As the only U.S. state made up entirely of two peninsulas, Michigan is a one-of-a-kind location. Our lower peninsula, which is shaped like a mitten, is often referred to as the “L.P.” Our upper peninsula, which attracts a lot of tourism annually, is referred to as the “U.P.” But although both land masses serve different purposes, they share one thing in common: emergency expenses. Regardless of whether you’re driving through the streets of Detroit or enjoying the scenery in Marquette, unexpected expenses are lurking around every corner.

Fortunately, CashNetUSA is as well! With just a few clicks of your mouse, you can have a Michigan payday loan deposited directly into your bank account by the next business day!* How’s that for speed and convenience? CashNetUSA is dedicated to helping their customers bridge the gap between paydays. Since 2004, they’ve helped over 1 million customers get the money they need, when they need it most! With a payday loan from Michigan, you can finally Make Anyday Payday!®

New Customers: Use Promo Code CASHNET50 on Your First Loan

Save 50% on the initial loan fee of your first payday loan or receive a 50% rebate on the interest or fees of the first two payments of your first installment or installment-payday loan, respectively. Promo code not valid for the CashNetUSA line of credit product.+++

Need a MI payday loan quickly? Here’s what you should do:

  • Apply: Complete our online application in less than 5 minutes!
  • Get approved: Receive instant approval,** even if you have less-than-perfect credit!†
  • Get funded: Get your money deposited directly into your bank account by the next business day!*

I Just Got Laid Off. Will I Still Prequalify for a Payday Loan in Michigan?

If you’re looking to get one from CashNetUSA, then no. In order to become eligible for loan funding, you must have an active checking account, have been employed for at least one month, be a U.S. citizen or permanent resident and be at least 18 years old. So do what’s best for you — start looking for a job while considering these statistics:

  • Over 16% of Michigan residents were below the poverty level in 2009! 16.2% to be exact.
  • In 2009, the median household income in Michigan was $45,254.
  • It took a worker aged 16+ an average of 23.7 minutes to get to work in Michigan from 2005 – 2009.

Fee Schedule for Michigan Online Loans


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Payday Loans in Michigan with CashNetUSA Get to Know Our State Better

Where can you find the very best of Michigan? Between the upper and lower peninsula, of course!

Fun facts about Michigan
  • The last Sunday in June of each year is known as “Log Cabin Day.” On this day, the preservation of log cabins is promoted.
  • It is unlawful to sell a car on Sunday.
  • The average travel time to work for workers 16 years or older was 27 minutes (2005-2009).
  • In Detroit, putt-putt golf courses must be closed by 1am.

*CashNetUSA and third-party lender funds are generally deposited via ACH for delivery next business day if approved by 9pm CT Mon. – Thu. or by 7pm CT Sun.

CA residents: CashNetUSA California Finance Lenders License file no. 603 H010, DE residents: Licensed by Delaware State Bank Commissioner License #9546 Exp. 12/31/2014, OH residents: Ohio Credit Services Organization Certificate of Registration no. CS.900076.000.

**Not all loan applications or extension requests are approved. Due to state and verification requirements, not all applicants for online loans may be eligible for instant approval by CashNetUSA or third-party lenders.

***Some customers applying for payday loans or installment loans may be required to submit additional documentation due to state law and qualification criteria.

†CashNetUSA or third-party lender does not perform traditional credit checks as part of its credit transaction approval process, but does verify applicant information via national databases including, but not limited to, Clarity. If you have defaulted on past transactions, you may be declined for a cash advance from CashNetUSA.

‡Maximum funded amount for payday loans or installment loans depends on qualification criteria and state law. See Rates and Terms for details.

++Please see Rates and Terms to check the availability of online loans and extensions in your state. CashNetUSA is not a lender in all states. In some states, CashNetUSA will (i) act as a Credit Service Organization to arrange a loan between you and a third-party lender, or (ii) in Texas, act as a Credit Access Business between you and a third-party lender.

+++If you are a Payday, CSO, or CAB customer, discount will be applied to the initial loan fee, CSO fee, or CAB fee, respectively. If you are an Installment or Installment-Payday customer, the rebate shall be calculated by multiplying the percent discount by the first two scheduled installment payments of your loan. However, the rebate shall not exceed the actual amount of accrued interest paid on the Installment loan or fees paid on the Installment-Payday loan. Rebate shall be paid via bank account ACH credit upon full repayment of the loan, and is contingent upon a minimum of two installment payments made. Discount not valid for the CashNetUSA line of credit product. Promotions are not available in all states. Please see your state's Rates and Terms for additional details. Unless otherwise specified, promo codes must be entered at the time of application, can be used only once, and may not be combined with any other offers or Preferred Member benefits.

1Must be 21 years of age for Mississippi residence and 19 years of age for Alabama and Delaware residence.

Customer Notice: Payday advances should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.