Payday loans in Flint, MI
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Flint, MI.
The median household in Flint earns $37,646 a year, 48% below the Michigan median of $72,875. About 34% of residents live below the federal poverty line, and 46.2% of households rent their home. 11.9% of households have no home internet; our form works on any phone. When an unexpected bill hits before payday, Flint residents can request $100 to $1,000 online in minutes.
Michigan law that applies in Flint
| Maximum loan | A licensee may make one payday loan to you for any amount up to $600 (fees not included). |
|---|---|
| Fee cap | The service fee may not exceed 15% of the first $100, 14% of the second $100, 13% of the third $100, 12% of the fourth $100 and 11% of the fifth and sixth $100 - $76 on a $600 loan - plus any allowed database verification fee. |
| Rollovers | A lender may not renew a payday loan. |
| Loans at once | You may have only one open payday loan with a given lender and no more than two open payday loans in total. |
| Payment plan | If you take 8 payday loans from any lender(s) in a 12-month period, you can ask (within 30 days after the due date) to repay the eighth and later loans in 3 equal installments due on your next 3 paydays. |
Full rules with statute citations: Payday Loans in Michigan. Cities in Michigan cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a payday loan in Flint
Here's what to have on hand before you start your payday loan request in Flint:
- 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 Flint
What Flint borrowers use it for
cover a short gap before payday
Need money nowthe fastest options online
Holiday expensesgifts and travel without maxing a card
Emergencieshandle the unexpected the same week
Loans for your situation
How to get a payday loan in Flint
- Pick an amount and fill out the short form (about 3 minutes).
- We share your request with lenders in our network that serve Michigan.
- If a lender approves you, you'll see the fee, APR and due date before you sign.
- Funds are deposited to your bank account, often the next business day.
Estimate your cost
How much will I repay?
Michigan does not set a single per-$100 fee cap for this product; check the lender's disclosure. $15 per $100 is shown as an example.
Estimate only. Your lender shows your exact cost before you sign.
Banks and credit unions in the area
Banks with branches in Flint
14 FDIC-insured bank branches from 4 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Huntington National Bank | 6 | 328 S Saginaw St, Flint 48502 |
| JPMorgan Chase Bank, National Association | 5 | G5491 N Saginaw St, Flint 48505 |
| Fifth Third Bank, National Association | 2 | G-5232 Miller Road, Flint 48507 |
| ChoiceOne Bank | 1 | 615 S. Saginaw Street, Flint 48502 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Flint
25 credit-union locations from 18 credit unions.
| Credit union | Location |
|---|---|
| Grand Heritage | 3031 Airpark Dr N, Flint 48507 |
| Dort Financial | 5091 W Pierson Rd, Flint 48504 |
| Elga | 5072 Corunna Rd, Flint 48532 |
| Financial Plus | G3381 Van Slyke Rd, Flint 48507 |
| Pfcu | 3378 Lennon Rd, Flint 48507 |
| Security | 2404 S Linden Rd, Flint 48532 |
| Team One | 606 Stevens St, Flint 48502 |
| Sovita | 4411 Calkins Rd, Flint 48532 |
| San Juan Mountains | 3031 Airpark Dr N, Flint 48507 |
| Steuben Citizens | 3031 Airpark Dr N, Flint 48507 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Genesee County · Personal Loans in Flint
Frequently asked questions
Can I get a payday loan in Flint, MI?
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. You can request one online from Flint through our network; approval and terms are set by the lender.
How much can I borrow with a payday loan in Flint?
A licensee may make one payday loan to you for any amount up to $600 (fees not included).
How fast can I get a payday loan in Flint?
The form takes about three minutes and many lenders decide within minutes. If you're approved and sign before the lender's cutoff, funds are often deposited the next business day.
How do I get a payday loan in Flint, MI?
Have a few basics ready: a government-issued ID, proof of regular income, an active checking account, and a working phone number and email. Then complete our secure online form. Lenders review your request, and many give a decision within minutes. If you're approved, you'll see the full terms before signing. Most Flint borrowers can finish the form in about 3 minutes.
How much does a payday loan cost in Flint?
The service fee may not exceed 15% of the first $100, 14% of the second $100, 13% of the third $100, 12% of the fourth $100 and 11% of the fifth and sixth $100 - $76 on a $600 loan - plus any allowed database… Your lender shows the exact fee, total amount to repay, due date and APR before you sign, so you know the full cost upfront. There's no charge to use our form, and you're never obligated to accept an offer. Compare what lenders offer Flint borrowers in about 3 minutes.
Is a payday loan the same as a cash advance?
The terms are often used interchangeably. A payday loan is sometimes called a cash advance because it advances money against your next paycheck. A credit card cash advance is different: you withdraw cash against your card's credit limit, which requires available credit on a card. If you don't have card credit to tap, a payday loan through our network is a fast option. Check your options in about 3 minutes.
What is a payday advance loan?
A payday advance loan is another name for a payday loan: a short-term advance on your next paycheck. You borrow a small amount and repay it, plus a fee, when you're next paid. The process is quick because lenders look mainly at your income and checking account. Flint residents can request a payday advance online through our network in about 3 minutes.
Where can I get a payday loan in Flint?
You can visit a storefront in Flint or request a loan online without leaving home. Our free form sends one request to multiple lenders in our network, so you don't have to apply store by store. If a lender makes you an offer, you review the terms and decide whether to accept, with no obligation. It takes about 3 minutes to see if you qualify.
Do I need to visit a store in Flint?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.