Personal 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.
Michigan law that applies in Flint
| Rate cap | A licensed lender may charge interest up to the Credit Reform Act limit of 25% a year. |
|---|---|
| License required | Lenders making loans under the Regulatory Loan Act must be licensed (the Act refers to 'licensees'). |
Full rules with statute citations: Personal 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 personal loan in Flint
Lenders that serve Flint typically ask for the following:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in Flint
What Flint borrowers use it for
gifts and travel without maxing a card
Emergencieshandle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
How to get a personal loan in Flint
- Choose an amount from $100 to $5,000 and complete one form.
- Lenders in our network review your request; many accept fair or bad credit.
- Compare the APR, monthly payment and total cost on any offer.
- If you accept, money is usually deposited in 1–2 business days.
Estimate your cost
Personal / installment loan calculator
Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms 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 · Payday Loans in Flint
Frequently asked questions
Can I get a personal loan with bad credit in Flint?
Possibly. Lenders in our network consider applicants with fair and bad credit across Michigan, including Flint. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Flint, MI?
25% APR cap for licensed lenders, plus processing fee up to 5%.
How fast can I get a personal loan in Flint?
Many online lenders give a decision within minutes and deposit funds in one to two business days after you sign. Your bank's processing time can add a day.
Where can I find a loan for bad credit in Flint?
You can apply at local banks and lenders in Flint, or go online to reach more lenders at once. Banks often have stricter credit requirements, while many online lenders consider all credit types. Our free form sends one request to multiple lenders in our network, so you don't have to apply one by one. Many applicants get a decision within minutes.
Are personal loans bad for your credit?
Not necessarily. Checking offers often uses a soft inquiry that doesn't affect your score, though a lender may do a hard pull before final approval. Once you have the loan, on-time payments can help build your credit history, especially with lenders that report to the major bureaus, while missed payments can lower your score. Flint residents can see their options in about 3 minutes.
How long does it take to get a personal loan in Flint?
With online lenders, the process is usually fast. Our form takes about 3 minutes, many lenders make a decision within minutes, and approved funds are often deposited by the next business day. Some lenders may ask for documents such as pay stubs, which can add a little time. Having your information ready before you start helps you get money sooner in Flint.
How do I apply for a personal loan with bad credit in Flint?
Start by gathering your ID, proof of income and bank account details. Then complete our online form with accurate information about your income and the amount you need. Lenders in our network review your request, and many respond within minutes. Asking for an amount that fits your income can improve your chances. If you're approved, you'll review the full terms before signing.
What is an installment loan?
An installment loan is money you borrow and repay in fixed, scheduled payments, usually every two weeks or monthly, until it's paid off. Personal loans, auto loans and many short-term loans are installment loans. Because repayment is spread out, each payment is smaller than a lump sum. Lenders in our network offer installment loans from $100 to $5,000 to Flint borrowers who 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.