- Payday loans in Flint follow Michigan law (Deferred Presentment Service Transactions Act (Act 244 of 2005)).
- Borrowing $300 at the state maximum costs $42.
- 2 credit unions are headquartered in Flint; ask about small-dollar loans before borrowing.
Flint at a glance
| Flint | |
|---|---|
| Population (2024 Census estimate) | 79,735 |
| Change since 2020 | -1.7% (shrinking) |
| County | Genesee County |
| Size rank among 506 Michigan places we cover | 12th |
| Share of Michigan’s population | 0.8% |
| Nearest larger city | Farmington Hills (about 41 miles) |
| Credit unions headquartered in town (NCUA) | 2 |
| Credit unions headquartered in Genesee County | 5 |
| Other towns within 25 miles | 33 (about 138,724 residents) |
| Typical payday APR statewide (CRL 2023) | 356% |
There is no separate Flint payday law: Michigan rules apply here, and any lender serving Flint residents, online or in person, needs a license from the Michigan Department of Insurance and Financial Services (DIFS).
Credit unions in Flint
These credit unions have their main office in Flint, according to NCUA call report data (June 2026):
- Sovita Credit Union (state charter)
- Financial Plus Credit Union (state charter)
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.
Need $100–$1,000 before payday?
- One free request, many lenders
- Bad credit and benefit income considered by many lenders
- See the APR and total cost before you sign
PaydayEase is not a lender. Requests go to lenders in our network; approval, rates and terms are set by the lender. Rates & fees
Payday loan rules that apply in Flint
In short, Michigan rules that cover Flint 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 Flint
The Center for Responsible Lending put the typical APR on a $400 payday loan in Michigan at 356% (June 2023). For $300 at the state maximum, expect $42. Check any offer with our payday loan calculator.
Other help in Genesee County before you borrow
Before a payday loan, Flint residents can usually find something cheaper:
- Local assistance through 211 covering Genesee 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 Flint
The nearest larger city is Farmington Hills, about 41 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 Flint?
Yes. Payday loans are legal in Flint 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 Flint?
At Michigan’s maximum fee, borrowing $300 costs $42. The typical statewide APR was 356% in 2023.
Are there credit unions in Flint?
Yes. NCUA data lists 2 credit unions with a main office in Flint, including Sovita Credit Union and Financial Plus Credit Union.
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