no credit check loans in Michigan
no credit check loans in Michigan

Online Payday Loans in Michigan

  • Direct Payday Loans Only
  • State-Authorized Lenders
  • Guaranteed Cash Advances
  • Fast Approval Loans
  • Flexible Terms
  • Bad Credit OK
  • No Faxing
  • No Credit Check

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Why Consider an Online Payday Loan in Michigan?

Payday lending is a popular industry in Michigan due to high demand. Residents find it convenient to receive fast emergency loans when they are facing economic challenges. Payday loans are for those unexpected situations when your car breaks down, and you need to go to work or pick up the kids from school, but fixing it costs more than you can afford. Cash advances are also helpful when you have an unexpected medical bill to cover, rent to pay, or emergency purchases to make. If you need a couple of hundred dollars to pay for groceries, you wouldn’t be the only American getting a short-term loan to put food on the table. Whatever the reason, a payday lender will not typically go too much into details. With an online application, you have all the chances to get approved, receive your funds within one business day, and solve your emergency. Take note that these loans are for short-term emergencies and not recommended for long-term financial goals. 

Table of Contents

Payday Cash Advances

online payday loans in MichiganA payday cash advance is a short-term loan that Michigan residents can access online or at storefront locations. You would pay back an emergency loan on your next payday, usually in two weeks or one month. To apply, you need to submit a loan request, sign the loan agreement, and get the money you need. The application process is more straightforward than traditional loans, which take longer and have more complex procedures. The average time to get the deposit from your payday lender is one business day.

Michigan authorities enforce a $600 limit on payday loans. That will be the maximum amount of money you can take from one payday lender as a customer. Payday cash loans are also known as deferred deposit advances or deferred presentment service transactions. State laws regulate the amounts, interest rates, and terms. Payday lenders use a shared loan database to check whether an applicant has any outstanding debts. 

Payday Installment Loans

Michigan bad credit installment loansPayday installment loans are similar to cash advances. The application process is the same, and you can get your loan as fast as in one business day. The loan amounts you can borrow are higher, though, making installment loans more suitable for bigger financial projects. Borrowers have more time to pay off their debt, and they do so in fixed monthly installments. When you have a steady income, it’s relatively easy to plan out your budget and repay your debt. Customers take payday installment loans from direct lenders for house renovation projects, partly finance a bigger purchase, organize family vacations abroad or sponsor important life events. Bad credit installment loans are popular with average and low-income American citizens.

Michigan Online Cash Advances Rates and Terms

Michigan authorities have imposed a $600 limit on payday cash advances that borrowers can take from one lender. While the law does not specify a minimum loan term, borrowers have 31 days maximum to pay off their debt. Most lenders set up the terms of either 14 or 31 days. Rollovers are not allowed on the state territory. However, two outstanding loans at a time may be allowed, as long as they are from different lenders.

A lender is allowed by law to charge a $25 insufficient funds fee if there are not enough funds in the borrower’s account on the due date. If a customer is aware that they cannot repay the loan on time, their direct lender may help them set up an installment payback plan. The service comes at an additional fee.

How to Qualify for a Michigan Payday Loan

To qualify for a Michigan payday loan, you need to meet the basic requirements set up as industry standards by law, as well as any conditions your lender may have. As a rule, the items below are the main prerequisites for applying for a payday cash advance:

  • Be 18 years of age or older and have a state-issued ID to prove it;
  • Have a recurring income that can be verified;
  • Be an American citizen or a permanent resident;
  • Have an active banking account (a checking account will work best);
  • Have a valid phone number and email address.

Your lender may ask you for additional information or perform verification of the details provided. For that reason, it’s essential to include accurate information only on your loan agreement. Ideally, you would have a job with a steady income when applying for a payday loan. However, some lenders may also accept alternative income sources as valid income. For instance, people on social or disability benefits, single parents that receive alimony regularly can also apply and get approval. The same applies to people of all ages who get a regular income from investments or rented properties, veterans, and other groups.

Payday Loans Near Me in Michigan

The payday lending industry is popular enough in Michigan to find both online and in-store options available. Most consumers prefer to apply through a website. Direct lenders accept scanned documents and e-signatures for a 100% online loan application. A borrower needs a personal computer, a tablet, or a smartphone and internet access to submit an application and finalize the loan process. If you would rather apply at a storefront location, feel free to visit any local stores. A branch manager will make sure you get all the information you need on the spot. It makes sense to apply at a store rather than online if you have one and your neighborhood, for example, and you happen to be available during their working hours. Finding a payday loan in-store location should be as simple as spotting the nearest Starbucks. A simple search will usually be enough to uncover the nearby sites. 

Michigan Payday Loans Application Process

The application process for a Michigan payday loan is straightforward, and it doesn’t take long. All you need to do is follow five simple steps: 

  1. Complete the application form on our website, then submit it.
  2. Wait for a reply. A direct lender needs around 15 minutes to process a loan request and decide whether they can lend to you. If one of the lenders has a positive response, they will send you a direct offer via email.
  3. Michigan direct lenderRead the loan agreement. We strongly recommend you read the loan contract attentively. Should you have any questions, ask the lender to help you. Make sure you understand all the terms, the APR (annual percentage rate), and the fees involved.
  4. Sign the contract. If you agree with the terms and conditions, finalize the application by signing the loan agreement.
  5. Receive your money. Once they have your signature, the direct lender will deposit the funds in your bank account. On average, the transfer takes around one business day, depending on the lender’s cut-off time, among other factors. If the application process goes faster, borrowers may access their loan on the same day or in one hour.

1F Cash Advance advises you to practice responsible borrowing and pay off your debt on time to avoid additional fees. Only take a short-term loan when you are facing a financial emergency. Cash advances are not recommended for long-term financial issues. Go through the state rules and regulations before applying for a loan. It will help you assess whether the loan terms in your contract are fair.

Why Choose Us?

1F Cash Advance specializes in providing a secure connection for borrowers applying for payday loans through our platform. Our main benefits are:

  • Accessibility. All eligible applicants are free to apply for a payday loan from any convenient place, 24/7.
  • Security.Your data is safe when applying through our website. We do not share your details with anyone other than reliable payday lenders. 
  • Reliable lenders. We only work with top industry direct lenders authorized to operate in Michigan.
  • Fast approval. Our customers often get almost instant approval on their loan requests on typical business days. The average time for a lender to process an application is around 15 minutes. In case of a positive outcome, the customer gets an offer from the lender willing to approve them. Many loan providers advertise no credit check loan products.
  • Speedy deposit. When applying with us, customers typically receive their money in one business day. Same-day loans and 1-hour deposits are also common.
  • Bad credit OK. You don’t need to have a good credit score to apply for a payday loan with us. Direct lenders don’t typically perform hard credit checks through the three main credit bureaus. That means you get a faster response, and applying for a payday loan does not negatively impact your credit score.
  • Transparent contracts. The top lenders we operate with include fair lending terms and rates in their loan agreements.

Michigan In-Store Payday Loans

Are you looking for an emergency loan? Is your internet down when you desperately need money? Luckily, you can always visit one of our in-store locations to seek help. Our friendly team will provide you with immediate assistance so that you can make an informed decision. Getting a loan with us is safe and straightforward. Fill out the application form to get an offer.

1F Cash Advance Payday Loans Store Location in Bloomfield Twp, Michigan

Branch name: 1F Cash Advance Michigan

Address: 41000 Woodward Ave, Suite 355, Bloomfield Hills, MI 48304

Phone: (248) 970-1967

Email: [email protected]

Branch Manager: Denise Hedin

Monday – Friday: 8:00 am to 10:00 pm
Saturday: 9:00 am to 6:00 pm
Sunday: Closed

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Find an In-Store Location Near Me

Are you still looking up “in-store locations near me”? Visit our office in Michigan and get quick assistance. Not in Michigan? No worries! Check out our storefront locations in Colorado, California, Florida, Illinois, Missouri, New-Jersey, Tennessee, Texas, Wisconsin.

Our Products and Services

Payday Cash Advances

Cash advances are easy, short-term loans that almost anyone can get. If you qualify based on the general requirements, you too can receive an emergency loan. Use it to pay the bills before they are overdue, buy food, fix your car. Whatever financial issue you’re struggling with, we got your back.

Payday Installment Loans

We recommend payday installment loans to customers who need more money at once. Take a few minutes to apply and get your funds within one business day! No questions asked; you are free to use your emergency cash as you see fit. Repay it in convenient monthly installments. 

Check Cashing

Looking for check cashing services? We may be able to help you out. Visit our in-store locations. Most of them have a check-cashing desk that will get your cash within minutes. We value your time and appreciate your business.


Can I have two payday loans at a time in Michigan?

Michigan state laws allow a borrower to have two outstanding payday loans at a time, provided they are from different lenders. However, a direct lender may deny your application if they consider that you will not be able to handle another loan.

How can I find a nearby cash advance in Lake, MI?

Apply for a payday loan to get a reply from direct lenders in Lake, Michigan. We are trusted by borrowers from nearby locations, such as Muskegon, Saginaw, Jackson, Wayne, Calhoun, Genesee, Bay, Allegan, St. Clair, Ingham, Berrien, Kent, Ottawa, Kalamazoo, Monroe, and others.

Can I extend the term of an online payday loan in Michigan?

Michigan laws do not allow for rollovers. Contact your direct lender for advice if you realize that you cannot pay off your debt on time. It is in your loan provider's best interest for you to close your debt sooner rather than later.

Can I apply for a payday cash advance if I have no credit history or a bad credit score?

You can apply for a short-term loan with no credit history or a less-than-perfect credit score. Direct lenders don't typically do a hard credit check. A bad credit score is not usually a reason for them to deny your loan request. If you qualify based on the main requirements, you have guaranteed approval.

Does 1F Cash Advance have a license to operate in the state of Michigan?

1F Cash Advance only works with licensed direct lenders authorized to operate in Michigan.

How will I pay off my cash advance in Michigan?

Your direct lender will ask for your consent to automatically withdraw the funds on the due date when signing the loan agreement. That is a convenient way of repaying your debt on time.