- Payday loans in Pinconning 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 Bay, about 19 miles away.
Pinconning at a glance
| Pinconning | |
|---|---|
| Population (2024 Census estimate) | 1,185 |
| Change since 2020 | -1.3% (shrinking) |
| County | Bay County |
| Size rank among 506 Michigan places we cover | 334th |
| Nearest larger city | Bay (about 19 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Bay County | 3 |
| Other towns within 25 miles | 9 (about 84,138 residents) |
| Typical payday APR statewide (CRL 2023) | 356% |
There is no separate Pinconning payday law: Michigan rules apply here, and any lender serving Pinconning residents, online or in person, needs a license from the Michigan Department of Insurance and Financial Services (DIFS).
Credit unions near Pinconning
No credit union has its main office in Pinconning, but these are based elsewhere in Bay County (NCUA, June 2026):
- United Bay Community Credit Union in Bay City (state charter)
- Financialedge Credit Union in Bay City (state charter)
- Sunrise Family Credit Union in Bay City (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 Pinconning
In short, Michigan rules that cover Pinconning 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 Pinconning
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 Bay County before you borrow
Before a payday loan, Pinconning residents can usually find something cheaper:
- Local assistance through 211 covering Bay 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 Pinconning
The nearest larger city is Bay, about 19 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 Pinconning?
Yes. Payday loans are legal in Pinconning 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 Pinconning?
At Michigan’s maximum fee, borrowing $300 costs $42. The typical statewide APR was 356% in 2023.
Where is the nearest credit union to Pinconning?
No credit union is headquartered in Pinconning, but United Bay Community Credit Union is based in Bay City, also in Bay 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