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Bay County, Michigan (MI)

Payday & Installment Loans in Bay City, MI

1 lender in Bay City, MI · 1 lists hours · 1 open Saturday · 1 verified in the last 30 days · + 4 reported, not yet verified

Looking for a payday or installment loan near you in Bay City, Michigan? We list 1 lender location in Bay City with its address, phone number, opening hours and, where Michigan publishes it, license status. Last checked October 9, 2026.

Open now or opening soon

Other lenders reported in Bay City

These stores appear in public data but are not yet verified, so they have no page here. Call ahead before you go.

Found in OpenStreetMap (seen Oct 15, 2026). Not yet matched to a state license or the brand's own store list.

Bay City lenders at a glance

Bay City, in Bay County (population 32,086), has 1 lender location in our directory: 1 payday loan store and 1 installment lender (some stores offer more than one type), all in ZIP code 48706. The chain with the most stores here is Check 'n Go (1). The only store here that publishes hours is open on Saturday but not on Sunday. The nearest other city with lenders is Saginaw, about 12 miles away, with 3 locations.

Stores by loan type
Payday loans 1
Installment loans 1
County
Bay County
ZIP code
48706
Hours (1 store lists them)
Open Saturday: 1

Typical cost in Michigan

  • The service fee on a deferred presentment (payday) transaction is at most 15 percent of the first $100, then 14, 13, 12 and 11 percent of each further $100 (to the sixth $100). Source: Mich. Comp. Laws § 487.2153(1)(a) · medium confidence

Rules for lenders in Bay City

Bay City has no local payday or title loan ordinance in our records, so Michigan state law applies.

  • The service fee on a deferred presentment (payday) transaction is at most 15 percent of the first $100, then 14, 13, 12 and 11 percent of each further $100 (to the sixth $100). Source: Mich. Comp. Laws § 487.2153(1)(a) · verified Oct 9, 2026 · medium confidence
  • A licensee cannot make a deferred presentment transaction if the customer has an open one with that licensee or more than one open with any other licensee. Source: Mich. Comp. Laws § 487.2153(2) · verified Oct 9, 2026 · medium confidence
  • A licensee can defer cashing the customer's check for up to 31 days; the written agreement must carry this notice. Source: Mich. Comp. Laws § 487.2152 · verified Oct 9, 2026 · medium confidence
  • A customer who has made 8 deferred presentment transactions in a 12-month period is entitled to a repayment plan. Source: Mich. Comp. Laws § 487.2155 · verified Oct 9, 2026 · medium confidence

All rules: Michigan lending rules.

Questions people ask

How many payday loan stores are in Bay City, MI?

We list 1 payday loan store and 1 installment lender in Bay City, checked against their sources as of October 9, 2026.

Are payday loans legal in Michigan?

Yes. Payday lenders operate in Michigan under state rules. For example: The service fee on a deferred presentment (payday) transaction is at most 15 percent of the first $100, then 14, 13, 12 and 11 percent of each further $100 (to the sixth $100) (Mich. Comp. Laws § 487.2153(1)(a)).

Which lenders have the most stores in Bay City?

Check 'n Go (1 store).

Are any lenders in Bay City open on weekends?

The only store here that publishes hours is open on Saturday but not on Sunday. Holiday hours can differ, so call ahead.

Answers are generated from the listings and verified rules on this page; see Sources below.

Sources

The listings and rules on this page come from these sources. Each listing also links to its own record.

  1. Check 'n Go locations (MI) · 1 location Last verified Oct 15, 2026
  2. Mich. Comp. Laws § 487.2153(1)(a), Mich. Comp. Laws § 487.2153(2) · Payday loans (deferred presentment) Last verified Oct 9, 2026 · medium confidence
  3. Mich. Comp. Laws § 487.2152 · Payday loans (deferred presentment) Last verified Oct 9, 2026 · medium confidence
  4. Mich. Comp. Laws § 487.2155 · Payday loans (deferred presentment) Last verified Oct 9, 2026 · medium confidence

We re-check sources regularly and show the date each was last verified. Spotted a mistake? Tell us and we'll check it against the source.

CashAdvance is not a lender and does not take applications. Listings are information only, built from public records (such as state license lists) and lenders' own published details. Confirm hours, fees and terms with the lender before you visit or borrow.