- Payday loans in Constantine follow Michigan law (Deferred Presentment Service Transactions Act (Act 244 of 2005)).
- Borrowing $300 at the state maximum costs $42.
- The nearest larger city is Portage, about 25 miles away.
Constantine at a glance
| Constantine | |
|---|---|
| Population (2024 Census estimate) | 2,000 |
| Change since 2020 | +0.5% (holding steady) |
| County | St. Joseph County |
| Size rank among 506 Michigan places we cover | 251st |
| Nearest larger city | Portage (about 25 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Other towns within 25 miles | 17 (about 40,795 residents) |
| Typical payday APR statewide (CRL 2023) | 356% |
There is no separate Constantine payday law: Michigan rules apply here, and any lender serving Constantine residents, online or in person, needs a license from the Michigan Department of Insurance and Financial Services (DIFS).
Credit unions near Constantine
NCUA data (June 2026) shows no credit union headquartered in Constantine or St. Joseph County. Many credit unions have branches in other towns or accept members online. Use the NCUA’s Credit Union Locator to find one near you.
Only federal credit unions can offer payday alternative loans (PALs), capped at 28% APR; state-chartered credit unions often have their own small-loan products. Membership rules apply, and only main offices are listed here; find branches near you with the NCUA Credit Union Locator. See how PALs work.
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Payday loan rules that apply in Constantine
In short, Michigan rules that cover Constantine include: maximum loan: $600; maximum fee: 15% of the first $100, 14% of the second, 13% of the third, 12% of the fourth, 11% of the fifth and sixth ($76 on $600); loan term: up to 31 days. See the full Michigan payday loan rules.
What a $300 loan costs in Constantine
At Michigan’s maximum fee, borrowing $300 costs $42. Statewide, the typical APR on a $400 payday loan was 356% (Center for Responsible Lending, June 2023). Check any offer with our payday loan calculator.
Other help in St. Joseph County before you borrow
Before a payday loan, Constantine residents can usually find something cheaper:
- Local assistance through 211 covering St. Joseph County.
- A credit union payday alternative loan (max 28% APR). See PALs explained.
- Your bank’s small-dollar loan, if offered (compare banks).
- A cash advance app for $20–$500 (apps compared).
Towns near Constantine
- White Pigeon · 3 mi
- Three Rivers · 8 mi
- Centreville · 9 mi
- Sturgis · 13 mi
- Vandalia · 14 mi
- Marcellus · 15 mi
The nearest larger city is Portage, about 25 miles away. See all 506 Michigan cities.
Need cash before payday?Send one free request to our lender network. We are not a lender; offers and rates come from lenders.
Request a loanFrequently asked questions
Are payday loans legal in Constantine?
Yes. Payday loans are legal in Constantine under Michigan state law, and lenders must be licensed by the Michigan Department of Insurance and Financial Services (DIFS).
How much does a payday loan cost in Constantine?
At Michigan’s maximum fee, borrowing $300 costs $42. The typical statewide APR was 356% in 2023.
Where is the nearest credit union to Constantine?
NCUA data shows no credit union headquartered in Constantine or its county. Use the NCUA credit union locator to find branches and online credit unions.
Sources
- U.S. Census Bureau — City and town population totals, Vintage 2024
- U.S. Census Bureau — 2024 Gazetteer files (place locations)
- NCUA — Credit union call report data, June 2026 (FOICU)
- Michigan DIFS — Deferred presentment FAQ
- Act 244 of 2005
- Center for Responsible Lending — Red Alert Rates: APRs on $400 single-payment payday loans (June 2023)
- CDFI Fund — NCUA payday alternative loans summary