- Payday loans in Three Rivers 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 Portage, about 17 miles away.
Three Rivers at a glance
| Three Rivers | |
|---|---|
| Population (2024 Census estimate) | 7,958 |
| Change since 2020 | -0.1% (holding steady) |
| County | St. Joseph County |
| Size rank among 506 Michigan places we cover | 113th |
| Nearest larger city | Portage (about 17 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Other towns within 25 miles | 22 (about 169,791 residents) |
| Typical payday APR statewide (CRL 2023) | 356% |
There is no separate Three Rivers payday law: Michigan rules apply here, and any lender serving Three Rivers residents, online or in person, needs a license from the Michigan Department of Insurance and Financial Services (DIFS).
Credit unions near Three Rivers
NCUA data (June 2026) shows no credit union headquartered in Three Rivers or St. Joseph County. Many credit unions have branches in other towns or accept members online. Use the NCUA’s Credit Union Locator to find one near you.
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 Three Rivers
In short, Michigan rules that cover Three Rivers 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 Three Rivers
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 St. Joseph County before you borrow
Before a payday loan, Three Rivers residents can usually find something cheaper:
- Local assistance through 211 covering St. Joseph 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 Three Rivers
- Centreville · 6 mi
- Constantine · 8 mi
- Mendon · 10 mi
- White Pigeon · 10 mi
- Marcellus · 11 mi
- Schoolcraft · 12 mi
The nearest larger city is Portage, about 17 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 Three Rivers?
Yes. Payday loans are legal in Three Rivers 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 Three Rivers?
At Michigan’s maximum fee, borrowing $300 costs $42. The typical statewide APR was 356% in 2023.
Where is the nearest credit union to Three Rivers?
NCUA data shows no credit union headquartered in Three Rivers or its county. Use the NCUA credit union locator to find branches and online credit unions.
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