Payday loans in Lansing, Michigan |

Compare your loan options in Lansing, Michigan

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If you’re thinking of taking out a payday loan in Lansing, read our guide first.

When you’re in a tight spot and trying to cover an unexpected expense, a payday loan can be what you need to make it through a rough patch. Our guide will cover how much you can borrow and the potential costs of taking out a payday loan.

CashNetUSA Loan

CashNetUSA Loan

Get a convenient payday loan, installment loan or line of credit with fast funding, depending on your state of residency.

  • Loan Amount: Varies by state
  • Turnaround Time: As soon as 1 business day
  • Simple online application
  • No hidden fees or paperwork
  • Dedicated customer service
  • Confidential and secure

    What are the laws of payday lending in Lansing, MI?

    You can borrow up to $600 in payday loans for 31 days or less, but the financing fee will be different depending on the total amount of your loan. You are allowed only two loans in a given period, and they must be from different lenders.

    Check your contract carefully for the full costs of a loan before you sign. If you aren’t able to pay on the due date, you may be subject to additional charges and fines.

    You can read about Michigan’s laws here

    Consider these lenders for a short-term loan in Lansing, MI

    Rates last updated June 19th, 2018
    Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
    Name Product Product Description Max. Loan Amount Turnaround Time Requirements
    Check into Cash Payday Loan
    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.
    1–2 business days
    You must be at least 21 and an American citizen and have a bank account, email address and phone number.
    LendUp Payday Loans
    LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.
    generally receive the money the next business day
    Be 18+ years of age and have a checking account that can accept electronic transfers.
    CashNetUSA Loan
    Apply for a short-term loan with an easy online application and dedicated customer service.
    Varies by state
    1 business day
    You must be a US citizen or permanent resident, be at least 18 years old and have regular income and a bank account.
    ACE Cash Express Payday Loans
    Quick payday, installment and title loans with no prepayment penalty and a 72-hour satisfaction guarantee. Funds can be loaded on an ACE Elite™ Visa® Prepaid Debit Card.
    Varies by state
    Generally receive the money the next business day
    Must be 18+ years old, have a steady source of income and a checking or savings account. Must not be a debtor in bankruptcy.
    LoanByPhone Payday and Installment Loans
    This mobile lender offers convenient cash loans. Apply online or by phone.
    1–2 business days
    Must be 21 years old and have a Social Security number, a regular source of income, a valid email address, an active checking account and a phone number.
    With straightforward, simple qualifications, these loans offer easy approval for people with poor credit.
    Depending on lender requirements, people from all 50 states may not be eligible for a personal loan.

    Compare up to 4 providers

    Why a short term loan in Lansing might benefit you

    • You can apply with bad credit. Unlike banks and credit unions, payday lenders don’t place much emphasis on your credit when making an approval decision. If you meet a payday lender’s minimum monthly income criteria and the other requirements outlined for the loan, there’s a good chance you’ll qualify.
    • Simple application. Whether you apply online or in-store your application should only take about 5 to 10 minutes to complete. If you need help, most lenders have a live chat for online applicants and store attendants when you visit a physical location.
    • Use money for different reasons. Payday lenders don’t place restrictions on what you do with the money you borrow as long as it’s for a legitimate purpose. You can use it to pay bills, repair your car or buy something you need.

    Charlotte needs to make an unexpected trip


    A close relative of Charlotte’s had recently passed away, and Charlotte needed to travel out of town. She didn’t have any money in her savings account, and although she could try to get a credit card or personal loan for the expenses, Charlotte knew the application wouldn’t go through quickly enough to get her to the funeral.

    She decided to go with an online payday lender and applied for a $400 loan. Charlotte was approved, and the funds were transferred into her account the next business day. The loan contract stated she would be required to pay $454.45 at the end of the loan in 14 days. This fee included both the database verification fee of $0.45 and the interest of $54.

    Charlotte was able to make the funeral and pay off the loan at the end of the loan period without any difficulties.

    Here’s how you can apply for a payday loan in Lansing, Minnesota

    Every lender has its own lending criteria, but all will require that you be at least 18 years old, have a regular source of income and be a US citizen or permanent resident.

    If you meet these criteria, then you can start filling out an application. Click the Go to Site button on a lender above or visit a store location. Be prepared to submit some personal information, like your Social Security number and contact information. Lenders will want to confirm your identity before they approve your application, so fill out the forms as truthfully as possible.

    Online lenders will want you to provide access to your bank account so they can deposit your loan and debit the payment when it’s due. In-store lenders will require you to supply a post-dated check for the total amount of the loan. Depending on how you want to handle your payments, think of which method you’d prefer before you decide on a lender.

    Payday loans in Lansing, Michigan

    Where to go for a payday loan in Lansing

    • Advance America. 6229 W Saginaw Hwy, Lansing, MI 48917
    • Allied Cash Advance. 5210 S Cedar St, Lansing, MI 48911
    • Approved Cash. 3022 S Martin Luther King Jr Blvd, Lansing, MI 48910
    • Cash Store. 5525 S Cedar St #3, Lansing, MI 48911
    • Check ‘n Go. 5441 W Saginaw Hwy, Lansing, MI 48917
    • Check into Cash. 3109 S Martin Luther King Jr Blvd, Lansing, MI 48910
    • Dicker & Deal Cash Center. 1917 W Saginaw St # A, Lansing, MI 48915
    • GreenStone Farm Credit Services. 3515 West Rd, East Lansing, MI 48823
    • Instant Cash Advance. 6100 S Cedar St #3, Lansing, MI 48911
    • Lansing Postal Community Credit Union. 4600 Collins Rd, Lansing, MI 48909

    Here's what it costs to borrow a payday loan in Lansing

    Michigan breaks down financing fees per $100 borrowed.

    • First $100: 15%
    • Second $100: 14%
    • Third $100: 13%
    • Fourth $100: 12%
    • Fifth and sixth $100: 11%

    These interest rates stack, so if you borrow $300, you’ll have to pay a different fee for every $100 increment. This means you’ll have to pay $15 for a loan of $100, $29 for a loan of $200, $42 for a loan of $300 and so on. Michigan does this to help protect you from the high fees associated with payday loans.

    As long as you compare your rates, you should be able to find a loan that works for you and doesn’t cost an arm and a leg to borrow.

    Frequently asked questions

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    US Payday Loans Offers

    Important Information*
    Slam Dunk Loans

    Potentially get approved for a short-term loan through this lender-connection service, even with poor credit history.

    LendUp Payday Loans

    LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.

    Check into Cash Payday Loan

    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.

    OppLoans Installment Loans

    Installment loans with competitive rates from a top-rated direct lender.

    Go to site