- Payday loans in Grand Beach 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 68 miles away.
Grand Beach at a glance
| Grand Beach | |
|---|---|
| Population (2024 Census estimate) | 288 |
| Change since 2020 | +2.9% (growing) |
| County | Berrien County |
| Size rank among 506 Michigan places we cover | 495th |
| Nearest larger city | Portage (about 68 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Berrien County | 4 |
| Other towns within 25 miles | 8 (about 12,757 residents) |
| Typical payday APR statewide (CRL 2023) | 356% |
There is no separate Grand Beach payday law: Michigan rules apply here, and any lender serving Grand Beach residents, online or in person, needs a license from the Michigan Department of Insurance and Financial Services (DIFS).
Credit unions near Grand Beach
No credit union has its main office in Grand Beach, but these are based elsewhere in Berrien County (NCUA, June 2026):
- United Federal Credit Union in St Joseph (federal charter — may offer payday alternative loans (PALs))
- Circle Federal Credit Union in Niles (federal charter — may offer payday alternative loans (PALs))
- Country Heritage Credit Union in Buchanan (state charter)
- Honor Credit Union in Berrien Springs (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.
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Payday loan rules that apply in Grand Beach
In short, Michigan rules that cover Grand Beach 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 Grand Beach
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 Berrien County before you borrow
Before a payday loan, Grand Beach residents can usually find something cheaper:
- Local assistance through 211 covering Berrien 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 Grand Beach
The nearest larger city is Portage, about 68 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 Grand Beach?
Yes. Payday loans are legal in Grand Beach 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 Grand Beach?
At Michigan’s maximum fee, borrowing $300 costs $42. The typical statewide APR was 356% in 2023.
Where is the nearest credit union to Grand Beach?
No credit union is headquartered in Grand Beach, but United Federal Credit Union is based in St Joseph, also in Berrien County.
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