- Payday loans in Rosebush 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 Midland, about 27 miles away.
Rosebush at a glance
| Rosebush | |
|---|---|
| Population (2024 Census estimate) | 363 |
| Change since 2020 | +1.7% (growing) |
| County | Isabella County |
| Size rank among 506 Michigan places we cover | 472nd |
| Nearest larger city | Midland (about 27 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Isabella County | 1 |
| Other towns within 25 miles | 15 (about 56,294 residents) |
| Typical payday APR statewide (CRL 2023) | 356% |
Payday lending in Rosebush follows Michigan state law. Lenders that serve Rosebush, in a store or online, must be licensed by the Michigan Department of Insurance and Financial Services (DIFS).
Credit unions near Rosebush
No credit union has its main office in Rosebush, but these are based elsewhere in Isabella County (NCUA, June 2026):
- Isabella Community Credit Union in Mt Pleasant (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 Rosebush
The main Michigan rules for a payday loan in Rosebush: 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 Rosebush
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 Isabella County before you borrow
- Call or text 211 for help with rent, utilities and food in Isabella 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 Rosebush
- Mount Pleasant · 7 mi
- Clare · 8 mi
- Coleman · 10 mi
- Farwell · 11 mi
- Lake Isabella · 13 mi
- Shepherd · 13 mi
The nearest larger city is Midland, about 27 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 Rosebush?
Yes. Payday loans are legal in Rosebush 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 Rosebush?
At Michigan’s maximum fee, borrowing $300 costs $42. The typical statewide APR was 356% in 2023.
Where is the nearest credit union to Rosebush?
No credit union is headquartered in Rosebush, but Isabella Community Credit Union is based in Mt Pleasant, also in Isabella 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