- Payday loans in Scottville 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 Muskegon, about 50 miles away.
Scottville at a glance
| Scottville | |
|---|---|
| Population (2024 Census estimate) | 1,355 |
| Change since 2020 | -0.1% (holding steady) |
| County | Mason County |
| Size rank among 506 Michigan places we cover | 314th |
| Nearest larger city | Muskegon (about 50 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Mason County | 1 |
| Other towns within 25 miles | 9 (about 20,952 residents) |
| Typical payday APR statewide (CRL 2023) | 356% |
There is no separate Scottville payday law: Michigan rules apply here, and any lender serving Scottville residents, online or in person, needs a license from the Michigan Department of Insurance and Financial Services (DIFS).
Credit unions near Scottville
No credit union has its main office in Scottville, but these are based elsewhere in Mason County (NCUA, June 2026):
- Safe Harbor Credit Union in Ludington (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 Scottville
In short, Michigan rules that cover Scottville 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 Scottville
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 Mason County before you borrow
Before a payday loan, Scottville residents can usually find something cheaper:
- Local assistance through 211 covering Mason 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 Scottville
The nearest larger city is Muskegon, about 50 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 Scottville?
Yes. Payday loans are legal in Scottville 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 Scottville?
At Michigan’s maximum fee, borrowing $300 costs $42. The typical statewide APR was 356% in 2023.
Where is the nearest credit union to Scottville?
No credit union is headquartered in Scottville, but Safe Harbor Credit Union is based in Ludington, also in Mason 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