Loans in Wayne County, MI: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Wayne County, MI.
The median household in Wayne County earns $60,539 a year, 17% below the Michigan median of $72,875. About 21% of residents live below the federal poverty line, and 35.2% of households rent their home.
What you need for a payday loan in Wayne County
Most Wayne 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 Wayne County
What Wayne County borrowers use it for
keep getting to work while the shop fixes it
Rent duecover a short gap before payday
Emergencieshandle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Wayne 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 Wayne County
Banks with branches in Wayne County
222 FDIC-insured bank branches from 15 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Fifth Third Bank, National Association | 50 | 25851 Joy Rd, Dearborn Heights 48127 |
| JPMorgan Chase Bank, National Association | 38 | 611 Woodward Ave, Detroit 48226 |
| The Huntington National Bank | 28 | 9252 Joseph Campau St, Hamtramck 48212 |
| PNC Bank, National Association | 24 | 11300 Joseph Campau St, Hamtramck 48212 |
| Citizens Bank, National Association | 24 | 777 Woodward Ave, Detroit 48226 |
| Bank of America, National Association | 22 | 24120 Ford Rd, Dearborn Heights 48127 |
| Flagstar Bank, National Association | 14 | 42200 Ford Rd, Canton 48187 |
| First Merchants Bank | 8 | 28417 Telegraph Rd, Flat Rock 48134 |
| Dearborn Federal Savings Bank | 5 | 22315 Michigan Ave, Dearborn 48124 |
| KeyBank National Association | 3 | 37124 6 Mile Rd, Livonia 48152 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Wayne County
129 credit-union locations from 44 credit unions.
| Credit union | Location |
|---|---|
| Michigan State University | 243 W Congress St, Detroit 48226 |
| Community Focus | 18925 Telegraph Rd, Brownstown 48174 |
| Navy Federal Credit Union | 3155 Fairlane Dr, Allen Park 48101 |
| Wings | 11380 Telegraph Rd, Taylor 48180 |
| Lake Michigan | 19025 Newburgh Rd, Livonia 48152 |
| Genisys | 13000 N Haggerty Rd, Plymouth 48170 |
| Dfcu Financial | 400 Town Center Dr, Dearborn 48126 |
| Advia | 20401 Gibraltar Rd, Brownstown Twp 48183 |
| Lake Trust | 1 Energy Plz # 230, Detroit 48226 |
| Michigan Schools And Government | 20595 Farmington Rd, Livonia 48152 |
| Michigan First | 3031 W Grand Blvd, Detroit 48202 |
| University Of Michigan | 4901 Evergreen Rd, Dearborn 48128 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Wayne County
All Michigan counties and cities
Frequently asked questions
Are payday loans legal in Wayne County?
Wayne 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 Wayne 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 Wayne County?
Options include 222 bank and 129 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 Wayne County?
Fill out our short online form from anywhere in Wayne 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 an emergency loan in Wayne County?
Yes. When an unexpected bill comes up, Wayne 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.
Where can I get a loan in Wayne County, MI?
You can apply at banks, credit unions and lenders in Wayne 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 Wayne County?
Yes. You don't need to visit a branch or storefront anywhere in Wayne 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 Wayne 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. Wayne County residents can start any time, and it takes about 3 minutes.