Loans in Genesee County, MI: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Genesee County, MI.
The median household in Genesee County earns $62,281 a year, 15% below the Michigan median of $72,875. About 16% of residents live below the federal poverty line, and 29.3% of households rent their home.
What you need for a payday loan in Genesee County
Here's what to have on hand before you start your payday loan request in Genesee 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 Genesee County
What Genesee County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Emergencieshandle the unexpected the same week
Car repairskeep getting to work while the shop fixes it
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Genesee 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 Genesee County
Banks with branches in Genesee County
47 FDIC-insured bank branches from 8 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Huntington National Bank | 14 | 328 S Saginaw St, Flint 48502 |
| JPMorgan Chase Bank, National Association | 13 | G5491 N Saginaw St, Flint 48505 |
| ChoiceOne Bank | 9 | 175 N Leroy St, Fenton 48430 |
| Fifth Third Bank, National Association | 5 | 12900 S Saginaw St, Grand Blanc 48439 |
| PNC Bank, National Association | 2 | 107 E Vienna St, Clio 48420 |
| Flagstar Bank, National Association | 2 | 16390 Silver Pkwy, Fenton 48430 |
| Independent Bank | 1 | 3500 W Vienna Rd, Clio 48420 |
| Oxford Bank | 1 | 600 N State Rd, Davison 48423 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Genesee County
60 credit-union locations from 22 credit unions.
| Credit union | Location |
|---|---|
| Grand Heritage | 3031 Airpark Dr N, Flint 48507 |
| Genisys | 300 Smith St, Clio 48420 |
| Dort Financial | 9048 Holly Rd, Grand Blanc 48439 |
| University Of Michigan | 1149 E Bristol Rd, Burton 48529 |
| Elga | 2303 S Center Rd, Burton 48519 |
| Credit Union One | 625 S State Rd, Davison 48423 |
| Financial Plus | G3381 Van Slyke Rd, Flint 48507 |
| Frankenmuth | 410 N State Rd, Otisville 48463 |
| Pfcu | 3378 Lennon Rd, Flint 48507 |
| Security | 2404 S Linden Rd, Flint 48532 |
| Team One | 606 Stevens St, Flint 48502 |
| Sovita | 4411 Calkins Rd, Flint 48532 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Genesee County
All Michigan counties and cities
Frequently asked questions
Are payday loans legal in Genesee County?
Genesee 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 Genesee 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 Genesee County?
Options include 47 bank and 60 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 Genesee County?
Fill out our short online form from anywhere in Genesee 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 a loan in Genesee 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. Genesee County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Genesee County, MI?
You can apply at banks, credit unions and lenders in Genesee 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.
Can I get a loan in Genesee County with bad credit?
Yes, many lenders in our network work with Genesee 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 an emergency loan in Genesee County?
Yes. When an unexpected bill comes up, Genesee 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.