- Payday loans in White Cloud 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 33 miles away.
White Cloud at a glance
| White Cloud | |
|---|---|
| Population (2024 Census estimate) | 1,519 |
| Change since 2020 | +2.3% (growing) |
| County | Newaygo County |
| Size rank among 506 Michigan places we cover | 295th |
| Nearest larger city | Muskegon (about 33 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Newaygo County | 1 |
| Other towns within 25 miles | 12 (about 23,624 residents) |
| Typical payday APR statewide (CRL 2023) | 356% |
Payday lending in White Cloud follows Michigan state law. Lenders that serve White Cloud, in a store or online, must be licensed by the Michigan Department of Insurance and Financial Services (DIFS).
Credit unions near White Cloud
No credit union has its main office in White Cloud, but these are based elsewhere in Newaygo County (NCUA, June 2026):
- Gerber Federal Credit Union in Fremont (federal charter — may offer payday alternative loans (PALs))
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 White Cloud
The main Michigan rules for a payday loan in White Cloud: 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 White Cloud
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 Newaygo County before you borrow
- Call or text 211 for help with rent, utilities and food in Newaygo 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 White Cloud
The nearest larger city is Muskegon, about 33 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 White Cloud?
Yes. Payday loans are legal in White Cloud 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 White Cloud?
At Michigan’s maximum fee, borrowing $300 costs $42. The typical statewide APR was 356% in 2023.
Where is the nearest credit union to White Cloud?
No credit union is headquartered in White Cloud, but Gerber Federal Credit Union is based in Fremont, also in Newaygo 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