Welcome to Our Online Loan Referral Service

4.1 17 reviews

1309 N Lincoln St, Bay City, MI 48708, USA
+1 (989) 892-4597

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Feedback about United Bay Community Credit Union?

Here you get acquainted with the feedback of our customers.

Very professional and some of the friendliest service I've ever seen.

Dr. Dangelo Rodriguez Sr.

Wonderful People who work there!!!

Justen Deckow

But I talked to a manager and got it figured out.

Ayana Simonis

Pay Attention

Above-shown info offers the details about a definite lending company. Below-specified info is devoted to common information about payday loans.

Payday Loans in Bay City, Michigan

Payday loans are a kind of loans taken out by payday lender to people for a short period of time - usually 2 to 3 weeks. It is taken out a small amount: $100-$1,000.

Payday loans in Bay City, Michigan are taken out hassle-free. The interest rate is dependent on the client's person-related information: if you cover obligations for more payday loans, the more favorable terms and rates payday lending companies guarantee.


369% APR*

Max Loan


Min Term

Not Specified

Max Term

31 days

How will United Bay Community Credit Union help issue a loan in Bay City, Michigan?

  • Day and night service. Night hours are the same working for online lenders. You should not attend the chosen payday lender offline. The funds will be transferred to your credit card.
  • No certificates. It is necessary to satisfy the minimum list of certificates. An ID is one document to have. There is no obligation to provide an income certificate.
  • Online application. Submit an online form with customer data. It will take some minutes to review the form. The money are deposited in 24 business hours.
  • The approval level is high. Almost 98% of positive decisions are made.
  • Affordability. If you address a bank for a loan, you won't be sure it will be approved. There are many restrictions established by banks. Payday lenders do not pay attention to minor delays and bad credit. You may take out a loan fast and efficient.

What data to fill out in the application? - General Info

To submit an application, every customer should enter the following data:

Loan Amount, Loan Purpose, Email Address
First Name, Last Name, Date Of Birth, Primary Phone Number, Driver's License Number, Your SSN
Zip Code, Street Address
How often do you get paid?, Next Paydate, Type of Account, How do you get paid?
Your Income Source, Are you in the military?, Your Employer Name, Your Monthly Net Income, Your Employer Phone Number
If you have $10,000+ in unsecured debt and would like one of our partners to contact you?, What`s your approximate credit rating?
Select your Bank, Select your Bank’s State, ABA/Routing Number, Account Number

Then you have to submit an application and recieve an offer.

Why people issue payday loans?


Utility Bills


Healthcare Bills




Car Repair



What data to fill in in the application? - General Info

If you are declined a loan at bank, the cause may be a bad credit history. This is a factor processed when deciding to take out a cash advance. Microfinance organizations do not consider this factor the only one to take out a loan in Bay City, Michigan. The company will assess many points to qualify such as payment abilities. Cash advance will be a way to improve your bad credit rating into a favorable one.

The following general points will be estimated before applying for a payday loan:

  • be at least 18 years old;
  • be a U.S. citizen;
  • be employed and have a reliable source of income;
  • have a checking account;
  • have a valid email address and phone number.

Rate Your Credit Score

Low Rate


Lower than Average


  • No way to issue a loan
  • No ability to rent a room
Average Rate


High Rate


  • 80% of loan approval
  • Apply for all loan types
Great Score


Perfect Score


  • 95% of loan approval
  • Apply for all loans incl. mortgage

Rate your APR

If you are going to take out a payday loan, you should determine its real cost. This calculator will show the annual percentage rate of the loan.

APR Calculator

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