Loans in Macomb County, MI: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Macomb County, MI.
The median household in Macomb County earns $77,837 a year, 7% above the Michigan median of $72,875. About 10% of residents live below the federal poverty line, and 25.0% of households rent their home.
What you need for a payday loan in Macomb County
Most Macomb County applicants can finish in one sitting if they have these ready:
- 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 Macomb County
What Macomb County borrowers use it for
handle the unexpected the same week
Car repairskeep getting to work while the shop fixes it
Moving costsdeposits, trucks and first-week expenses
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Macomb 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 Macomb County
Banks with branches in Macomb County
145 FDIC-insured bank branches from 14 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Fifth Third Bank, National Association | 31 | 74195 Fulton St, Armada 48005 |
| The Huntington National Bank | 26 | 100 N Main St, Mount Clemens 48043 |
| JPMorgan Chase Bank, National Association | 17 | 20755 N Nunneley Rd, Clinton Township 48036 |
| Citizens Bank, National Association | 16 | 15341 19 Mile Rd, Clinton Township 48038 |
| Bank of America, National Association | 14 | 40950 Van Dyke Ave, Sterling Heights 48313 |
| Flagstar Bank, National Association | 14 | 13427 15 Mile Rd, Sterling Heights 48312 |
| PNC Bank, National Association | 10 | 69306 N Main St, Richmond 48062 |
| First State Bank | 10 | 16100 E 9 Mile Rd, Eastpointe 48021 |
| Independent Bank | 2 | 49785 Van Dyke Ave, Shelby Township 48317 |
| ChoiceOne Bank | 1 | 72890 North Ave, Armada 48005 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Macomb County
78 credit-union locations from 31 credit unions.
| Credit union | Location |
|---|---|
| Lake Michigan | 35653 Dodge Park Rd, Sterling Heights 48312 |
| Genisys | 47930 Gratiot Ave, Chesterfield 48051 |
| Dfcu Financial | 17280 Hall Road, Clinton Township 48038 |
| Advia | 35600 Main St, New Baltimore 48047 |
| Lake Trust | 25397 Schoenherr Rd, Warren 48089 |
| Credit Union 1 | 34200 Utica Rd, Fraser 48026 |
| Michigan Schools And Government | 40400 Garfield Rd, Clinton Township 48038 |
| Michigan First | 21650 Gratiot Ave, Eastpointe 48021 |
| Community Choice | 14965 23 Mile Rd, Shelby Township 48315 |
| Credit Union One | 16255 Hall Rd, Macomb 48044 |
| Vibe | 33950 Van Dyke Ave, Sterling Heights 48312 |
| Christian Financial | 8171 E 10 Mile Rd, Center Line 48015 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Macomb County
All Michigan counties and cities
Frequently asked questions
Are payday loans legal in Macomb County?
Macomb 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 Macomb 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 Macomb County?
Options include 145 bank and 78 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 Macomb County?
Fill out our short online form from anywhere in Macomb 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 Macomb 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. Macomb County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Macomb County, MI?
You can apply at banks, credit unions and lenders in Macomb 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 Macomb County with bad credit?
Yes, many lenders in our network work with Macomb 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 apply for a loan online in Macomb County?
Yes. You don't need to visit a branch or storefront anywhere in Macomb 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.