Loans in Kent County, MI: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Kent County, MI.
The median household in Kent County earns $82,631 a year, 13% above the Michigan median of $72,875. About 10% of residents live below the federal poverty line, and 29.7% of households rent their home.
What you need for a payday loan in Kent County
Here's what to have on hand before you start your payday loan request in Kent 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 Kent County
What Kent County borrowers use it for
deposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
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 Kent 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 Kent County
Banks with branches in Kent County
186 FDIC-insured bank branches from 24 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Huntington National Bank | 58 | 627 E Main St Se, Caledonia 49316 |
| Fifth Third Bank, National Association | 27 | 111 Lyon St Nw, Grand Rapids 49503 |
| JPMorgan Chase Bank, National Association | 19 | 3115 Wilson Ave Sw, Grandville 49418 |
| Macatawa Bank, National Association | 11 | 116 Ottawa Ave Nw, Grand Rapids 49503 |
| Independent Bank | 9 | 4200 E Beltline Ave Ne, Grand Rapids 49525 |
| PNC Bank, National Association | 9 | 5381 Clyde Park Ave Sw, Wyoming 49509 |
| ChoiceOne Bank | 8 | 109 E Division St, Sparta 49345 |
| Mercantile Bank | 7 | 310 Leonard St Nw, Grand Rapids 49504 |
| United Bank of Michigan | 6 | 900 East Paris Ave Se, Grand Rapids 49546 |
| Bank of America, National Association | 6 | 1212 28th St Sw, Wyoming 49509 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Kent County
110 credit-union locations from 50 credit unions.
| Credit union | Location |
|---|---|
| Michigan State University | 4580 28Th St Se, Kentwood 49512 |
| Straits Area | 6000 28Th St Se, Grand Rapids 49546 |
| 1166 | 2900 Charlevoix Dr, Grand Rapids 49546 |
| Pittsburgh | 6000 28Th St Se, Grand Rapids 49546 |
| A T & T Employees Pittsburgh | 6000 28Th St Se, Grand Rapids 49546 |
| Lake Michigan | 4866 Alpine Ave Nw, Comstock Park 49321 |
| Genisys | 3205 28Th St Se, Kentwood 49512 |
| Dfcu Financial | 1509 36Th St Sw, Wyoming 49509 |
| United | 1600 E Beltline Ave Ne Ste 111, Grand Rapids 49525 |
| Michigan First | 50 Louis St Nw, Grand Rapids 49503 |
| Consumers | 6770 Kalamazoo Ave Se, Grand Rapids 49508 |
| Credit Union One | 1609 Walker Ave Nw, Grand Rapids 49504 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Kent County
All Michigan counties and cities
Frequently asked questions
Are payday loans legal in Kent County?
Kent 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 Kent 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 Kent County?
Options include 186 bank and 110 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 Kent County?
Fill out our short online form from anywhere in Kent 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 apply for a loan online in Kent County?
Yes. You don't need to visit a branch or storefront anywhere in Kent County. Our secure online form works on your phone or computer, takes about 3 minutes, and connects you with lenders in our network that serve Michigan. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.
Where can I get a loan in Kent County, MI?
You can apply at banks, credit unions and lenders in Kent 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 Kent 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. Kent County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Kent County with bad credit?
Yes, many lenders in our network work with Kent 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.