- Payday loans in St. Clair Shores 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 Warren, about 7 miles away.
St. Clair Shores at a glance
| St. Clair Shores | |
|---|---|
| Population (2024 Census estimate) | 58,077 |
| Change since 2020 | -1.2% (shrinking) |
| County | Macomb County |
| Size rank among 506 Michigan places we cover | 22nd |
| Share of Michigan’s population | 0.6% |
| Nearest larger city | Warren (about 7 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Macomb County | 9 |
| Other towns within 25 miles | 57 (about 2,140,796 residents) |
| Typical payday APR statewide (CRL 2023) | 356% |
There is no separate St. Clair Shores payday law: Michigan rules apply here, and any lender serving St. Clair Shores residents, online or in person, needs a license from the Michigan Department of Insurance and Financial Services (DIFS).
Credit unions near St. Clair Shores
No credit union has its main office in St. Clair Shores, but these are based elsewhere in Macomb County (NCUA, June 2026):
- Tandem Federal Credit Union in Warren (federal charter — may offer payday alternative loans (PALs))
- A.B.D. Federal Credit Union in Warren (federal charter — may offer payday alternative loans (PALs))
- Warren Municipal Federal Credit Union in Warren (federal charter — may offer payday alternative loans (PALs))
- Ukrainian Selfreliance Michigan Federal Credit Union in Warren (federal charter — may offer payday alternative loans (PALs))
- Freestar Financial Credit Union in Mount Clemens (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 St. Clair Shores
In short, Michigan rules that cover St. Clair Shores 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 St. Clair Shores
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 Macomb County before you borrow
Before a payday loan, St. Clair Shores residents can usually find something cheaper:
- Local assistance through 211 covering Macomb 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 St. Clair Shores
- Roseville · 3 mi
- Village of Grosse Pointe Shores · 3 mi
- Eastpointe · 3 mi
- Grosse Pointe Woods · 4 mi
- Fraser · 4 mi
- Harper Woods · 4 mi
The nearest larger city is Warren, about 7 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 St. Clair Shores?
Yes. Payday loans are legal in St. Clair Shores 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 St. Clair Shores?
At Michigan’s maximum fee, borrowing $300 costs $42. The typical statewide APR was 356% in 2023.
Where is the nearest credit union to St. Clair Shores?
No credit union is headquartered in St. Clair Shores, but Tandem Federal Credit Union is based in Warren, also in Macomb 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