Best Loans in Michigan, Payday, Auto Title Laws of September 2024

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Michigan’s Credit Reform Act requires licensed lenders to cap installment loan APRs at 25%. However, loan amounts are not capped and are determined by the lender and the borrower.

Other allowable charges include:

• A credit processing fee of up to 2% of the loan.
• After the agreed-upon grace period, a late payment fee becomes 5% of the outstanding balance or $15, whichever is greater.
• A non-sufficient funds (NSF) or dishonored check fee of up to $25.

Best Bad Credit Loans in Michigan of September 2024

ZippyLoan Apply Now Amount: $100 - $15,000 Min. Credit Score: 0 APR: 5.99% - 35.99% Approval: 5 Minutes Terms: 1 - 72 Months Licensed in Michigan: Yes Get started

Upstart Apply Now Amount: $1,000 - $50,000 Min. Credit Score: 300 APR: 5.6% - 35.99% Approval: 5 Minutes Terms: 3 - 5 Years Licensed in Michigan: Yes Get started

LifeLoans Apply Now Amount: $100 - $40,000 Min. Credit Score: 0 APR: 5.99% - 35.99% Approval: 5 Minutes Terms: 1 - 60 Months Licensed in Michigan: Yes Get started

VivaLoan Apply Now Amount: $100 - $15,000 Min. Credit Score: 0 APR: 5.99% - 35.99% Approval: 5 Minutes Terms: 1 - 60 Months Licensed in Michigan: Yes Get started

NextDayPersonalLoan Apply Now Amount: $100 - $40,000 Min. Credit Score: 0 APR: 5.99% - 35.99% Approval: 5 Minutes Terms: 1 - 60 Months Licensed in Michigan: Yes Get started

FundsJoy Apply Now Amount: $200 - $5,000 Min. Credit Score: 0 APR: 5.99% - 35.99% Approval: 5 Minutes Terms: 1 - 60 Months Licensed in Michigan: Yes Get started

SuperMoney Apply Now Amount: $1,000 - $100,000 Min. Credit Score: 0 APR: 5.99% - 35.99% Approval: < 1 Day Terms: 12 - 120 Months Licensed in Michigan: Yes Get started

PersonalLoans Apply Now Amount: $1,000 - $35,000 Min. Credit Score: 580 APR: 5.99% - 35.99% Approval: < 1 Day Terms: 90 Days - 72 Months Licensed in Michigan: Yes Get started

For tips on how to select the best bad credit loan, see our detailed guide.

Best Personal Loans for Good Credit in Michigan of September 2024

SuperMoney Apply Now Amount: $1,000 - $100,000 Min. Credit Score: 0 APR: 4.99 - 35.99% Approval: 1 Day Terms: 12 - 120 months Licensed in Michigan: Yes Get started

Prosper Apply Now Amount: $2,000 - $40,000 Min. Credit Score: 640 APR: 7.95% - 35.99% Approval: 1 - 3 Days Terms: 36 - 60 months Licensed in Michigan: Yes Get started

Credible Apply Now Amount: $1,000 – $100,000 Min. Credit Score: 0 APR: 4.99 - 35.99% Approval: 1 Day Terms: 12 - 120 months Licensed in Michigan: Yes Get started

PersonalLoans Apply Now Amount: $1,