Loans in Washtenaw County, MI: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Washtenaw County, MI.
The median household in Washtenaw County earns $89,180 a year, 22% above the Michigan median of $72,875. About 14% of residents live below the federal poverty line, and 38.4% of households rent their home.
What you need for a payday loan in Washtenaw County
Most Washtenaw 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 Washtenaw County
What Washtenaw County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Moving costsdeposits, trucks and first-week expenses
Need money nowthe fastest options online
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Washtenaw 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 Washtenaw County
Banks with branches in Washtenaw County
72 FDIC-insured bank branches from 15 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Huntington National Bank | 10 | 2950 S State St, Ann Arbor 48104 |
| KeyBank National Association | 8 | 100 W Michigan Ave, Saline 48176 |
| JPMorgan Chase Bank, National Association | 8 | 2475 W Stadium Blvd, Ann Arbor 48103 |
| Fifth Third Bank, National Association | 7 | 101 N Main St, Ann Arbor 48104 |
| PNC Bank, National Association | 7 | 1107 S University Ave, Ann Arbor 48104 |
| Bank of Ann Arbor | 6 | 125 S 5th Ave, Ann Arbor 48104 |
| Old National Bank | 5 | 2723 S State St, Ann Arbor 48104 |
| First Merchants Bank | 5 | 14690 S Sanford Rd, Milan 48160 |
| Flagstar Bank, National Association | 4 | 1290 S Main St, Chelsea 48118 |
| Chelsea State Bank | 3 | 1010 S Main St, Chelsea 48118 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Washtenaw County
35 credit-union locations from 13 credit unions.
| Credit union | Location |
|---|---|
| Communityamerica | Toyota Technical Center, Saline 48176 |
| Lake Michigan | 3201 S State St, Ann Arbor 48108 |
| Dfcu Financial | 2910 Carpenter Rd, Ann Arbor 48108 |
| Lake Trust | 2222 Packard St, Ann Arbor 48104 |
| Michigan Schools And Government | 6983 E Michigan Ave, Saline 48176 |
| Michigan First | 2010 Whittaker Rd, Ypsilanti 48197 |
| University Of Michigan | 340 E Huron St, Ann Arbor 48104 |
| Credit Union One | 2400 Green Rd, Ann Arbor 48105 |
| True Community | 559B E Michigan Ave Ste B, Saline 48176 |
| American 1 | 108 W Main St, Milan 48160 |
| Michigan Educational | 4141 Jackson Rd, Ann Arbor 48103 |
| People Driven | 5397 W Michigan Ave, Ypsilanti 48197 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Washtenaw County
All Michigan counties and cities
Frequently asked questions
Are payday loans legal in Washtenaw County?
Washtenaw 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 Washtenaw 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 Washtenaw County?
Options include 72 bank and 35 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 Washtenaw County?
Fill out our short online form from anywhere in Washtenaw 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 Washtenaw 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. Washtenaw County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Washtenaw County with bad credit?
Yes, many lenders in our network work with Washtenaw 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.
Where can I get a loan in Washtenaw County, MI?
You can apply at banks, credit unions and lenders in Washtenaw 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 apply for a loan online in Washtenaw County?
Yes. You don't need to visit a branch or storefront anywhere in Washtenaw 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.