- Payday loans in Hastings follow Michigan law (Deferred Presentment Service Transactions Act (Act 244 of 2005)).
- Borrowing $300 at the state maximum costs $42.
- 1 credit union is headquartered in Hastings; ask about small-dollar loans before borrowing.
Hastings at a glance
| Hastings | |
|---|---|
| Population (2024 Census estimate) | 7,513 |
| Change since 2020 | -0.2% (holding steady) |
| County | Barry County |
| Size rank among 506 Michigan places we cover | 121st |
| Nearest larger city | Kentwood (about 22 miles) |
| Credit unions headquartered in town (NCUA) | 1 |
| Credit unions headquartered in Barry County | 1 |
| Other towns within 25 miles | 26 (about 162,005 residents) |
| Typical payday APR statewide (CRL 2023) | 356% |
Payday lending in Hastings follows Michigan state law. Lenders that serve Hastings, in a store or online, must be licensed by the Michigan Department of Insurance and Financial Services (DIFS).
Credit unions in Hastings
These credit unions have their main office in Hastings, according to NCUA call report data (June 2026):
- Thornapple 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.
Payday loan rules that apply in Hastings
The main Michigan rules for a payday loan in Hastings: 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 Hastings
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 Barry County before you borrow
- Call or text 211 for help with rent, utilities and food in Barry County.
- Ask a federal credit union about a PAL: $200–$2,000 at no more than 28% APR (how PALs work).
- Check your bank app for a small-dollar loan or early pay (bank options).
- Try a cash advance app if you have direct deposit (apps compared).
Towns near Hastings
- Freeport · 8 mi
- Woodland · 9 mi
- Middleville · 10 mi
- Nashville · 10 mi
- Lake Odessa · 12 mi
- Vermontville · 13 mi
The nearest larger city is Kentwood, about 22 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 Hastings?
Yes. Payday loans are legal in Hastings 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 Hastings?
At Michigan’s maximum fee, borrowing $300 costs $42. The typical statewide APR was 356% in 2023.
Are there credit unions in Hastings?
Yes. NCUA data lists 1 credit union with a main office in Hastings, including Thornapple 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