Loans in Luce County, MI: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Luce County, MI.
The median household in Luce County earns $54,893 a year, 25% below the Michigan median of $72,875. About 17% of residents live below the federal poverty line, and 17.4% of households rent their home. 12.1% of households have no home internet; our form works on any phone.
What you need for a payday loan in Luce County
Here's what to have on hand before you start your payday loan request in Luce 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 Luce County
What Luce County borrowers use it for
deposits, trucks and first-week expenses
Medical billspay a doctor, dentist or pharmacy bill now
Emergencieshandle the unexpected the same week
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Luce 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 Luce County
Banks with branches in Luce County
2 FDIC-insured bank branches from 2 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The First National Bank of St. Ignace | 1 | 1014 Newberry Ave, Newberry 49868 |
| Nicolet National Bank | 1 | 414 Newberry Ave, Newberry 49868 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Luce County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Tahquamenon Area | 7693 State Hwy M123, Newberry 49868 |
Source: NCUA credit union branch data, June 30, 2026.
All Michigan counties and cities
Frequently asked questions
Are payday loans legal in Luce County?
Luce 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 Luce 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 Luce County?
Options include 2 bank and 1 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 Luce County?
Fill out our short online form from anywhere in Luce 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 Luce County with bad credit?
Yes, many lenders in our network work with Luce 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 Luce 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. Luce County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Luce County, MI?
You can apply at banks, credit unions and lenders in Luce 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 an emergency loan in Luce County?
Yes. When an unexpected bill comes up, Luce 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.