Loans in Dickinson County, MI: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Dickinson County, MI.
The median household in Dickinson County earns $65,156 a year, 11% below the Michigan median of $72,875. About 10% of residents live below the federal poverty line, and 17.6% of households rent their home.
What you need for a payday loan in Dickinson County
Here's what to have on hand before you start your payday loan request in Dickinson County:
- Be 18 or older (19 in some states) and a US resident
- A government-issued photo ID
- A steady source of income — a job, benefits or self-employment
- An active checking account in your name for the deposit
- A working phone number and email address
Popular loan amounts in Dickinson County
What Dickinson County borrowers use it for
handle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Rent duecover a short gap before payday
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Dickinson County
Payday Loans Legal
Payday loans (deferred presentment service transactions) are legal in Michigan from lenders licensed under the Deferred Presentment Service Transactions Act (2005 PA 244), with a…
Personal Loans
25% APR cap for licensed lenders, plus processing fee up to 5%.
Title Loans Not available
Auto title loans in which the lender takes physical possession of your vehicle title are not permitted under Michigan law, according to the Michigan Attorney General.
Banks and credit unions in Dickinson County
Banks with branches in Dickinson County
13 FDIC-insured bank branches from 8 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First National Bank & Trust Co. | 3 | 233 S Stephenson Ave, Iron Mountain 49801 |
| Northern Interstate Bank, N. A. | 3 | 501 W Us Highway 2, Norway 49870 |
| First Bank, Upper Michigan | 2 | 600 S Carpenter Ave, Kingsford 49802 |
| IncredibleBank | 1 | 101 W B St, Iron Mountain 49801 |
| Flagstar Bank, National Association | 1 | 1805 S Stephenson Ave, Iron Mountain 49801 |
| Upper Peninsula State Bank | 1 | 1890 S Stephenson Ave, Iron Mountain 49801 |
| The Huntington National Bank | 1 | 1000 S Carpenter Ave, Iron Mountain 49802 |
| Range Bank | 1 | 345 S Carpenter Ave, Kingsford 49802 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Dickinson County
3 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| U.P. State | 601 Us Highway 2, Norway 49870 |
| Iron Mountain Kingsford Community | 400 S Carpenter Ave, Kingsford 49802 |
| Forward Financial | W8159 S Us Highway 2/141 Ste 3, Iron Mountain 49801 |
Source: NCUA credit union branch data, June 30, 2026.
All Michigan counties and cities
Frequently asked questions
Are payday loans legal in Dickinson County?
Dickinson County follows Michigan law. Payday loans (deferred presentment service transactions) are legal in Michigan from lenders licensed under the Deferred Presentment Service Transactions Act (2005 PA 244), with a $600 cap per loan, a tiered fee limit, a 31-day maximum term and a statewide database.
Are title loans legal in Dickinson County?
Auto title loans in which the lender takes physical possession of your vehicle title are not permitted under Michigan law, according to the Michigan Attorney General.
Where can I get a small loan in Dickinson County?
Options include 13 bank and 3 credit-union locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Dickinson County?
Fill out our short online form from anywhere in Dickinson County. We share it with lenders in our network that serve Michigan; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Can I get an emergency loan in Dickinson County?
Yes. When an unexpected bill comes up, Dickinson County residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.
Can I get a loan in Dickinson County with bad credit?
Yes, many lenders in our network work with Dickinson County residents who have fair, poor or limited credit. They look at your income and ability to repay, not just your score, and some use alternative credit data instead of a traditional hard pull. Approval isn't guaranteed, but checking is free and takes about 3 minutes. Loan amounts range from $100 to $5,000.
Can I get a loan in Dickinson County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. Dickinson County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Dickinson County, MI?
You can apply at banks, credit unions and lenders in Dickinson County, or apply online from anywhere in the county. Online requests are often the quickest way to reach several lenders at once. Our free form sends a single request to lenders in our network that serve Michigan residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.