Loans in Oakland County, MI: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Oakland County, MI.
The median household in Oakland County earns $97,760 a year, 34% above the Michigan median of $72,875. About 8% of residents live below the federal poverty line, and 27.3% of households rent their home.
What you need for a payday loan in Oakland County
Most Oakland 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 Oakland County
What Oakland County borrowers use it for
deposits, trucks and first-week expenses
Need money nowthe fastest options online
Rent duecover a short gap before payday
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Oakland 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 Oakland County
Banks with branches in Oakland County
250 FDIC-insured bank branches from 30 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Fifth Third Bank, National Association | 44 | 4999 Crooks Rd, Troy 48098 |
| JPMorgan Chase Bank, National Association | 39 | 761 S Ortonville Rd, Ortonville 48462 |
| The Huntington National Bank | 31 | 800 S Main St, Royal Oak 48067 |
| Flagstar Bank, National Association | 25 | 5151 Corporate Dr, Troy 48098 |
| Bank of America, National Association | 22 | 36050 Woodward Ave, Bloomfield Hills 48304 |
| Citizens Bank, National Association | 20 | 23220 Farmington Rd, Farmington 48336 |
| PNC Bank, National Association | 19 | 200 W Lake St, South Lyon 48178 |
| First Merchants Bank | 10 | 1712 W Maple Rd, Birmingham 48009 |
| Oxford Bank | 7 | 60 S Washington St, Oxford 48371 |
| Independent Bank | 3 | 201 W Big Beaver Rd, Troy 48084 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Oakland County
138 credit-union locations from 45 credit unions.
| Credit union | Location |
|---|---|
| Michigan State University | Oakland Center, Suite 148, Rochester 48309 |
| Integra First | 30230 Orchard Lake Rd, Farmington Hills 48334 |
| Peoples Advantage | 30230 Orchard Lake Rd, Farmington Hills 48334 |
| Afena | 30230 Orchard Lake Rd, Farmington Hills 48334 |
| Southeast Michigan State Employees | 6230 Orchard Lake Rd, West Bloomfield 48322 |
| Lake Michigan | 34391 W 12 Mile Rd, Farmington Hills 48331 |
| Genisys | 2100 Executive Hills Dr, Auburn Hills 48326 |
| Dfcu Financial | 2765 Commerce Xing, Commerce Township 48390 |
| Lake Trust | 2550 N Squirrel Rd, Auburn Hills 48326 |
| Michigan Schools And Government | 4555 Investment Dr, Troy 48098 |
| Michigan First | 27000 Evergreen Rd, Lathrup Village 48076 |
| Dort Financial | 5600 Crooks Rd Ste 101, Troy 48098 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Oakland County
All Michigan counties and cities
Frequently asked questions
Are payday loans legal in Oakland County?
Oakland 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 Oakland 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 Oakland County?
Options include 250 bank and 138 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 Oakland County?
Fill out our short online form from anywhere in Oakland 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 Oakland County?
Yes. You don't need to visit a branch or storefront anywhere in Oakland 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.
Can I get a loan in Oakland County with bad credit?
Yes, many lenders in our network work with Oakland 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 Oakland County?
Yes. When an unexpected bill comes up, Oakland 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 Oakland 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. Oakland County residents can start any time, and it takes about 3 minutes.