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2.4 5 reviews

3939 N Euclid Ave, Bay City, MI 48706, USA
+1 (989) 892-4597

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Feedback about United Bay Community Credit Union?

Here you grapple with the feedback of our clients.

I contacted United Bay Community Credit Union. Everything was done quickly. Only pleasant impressions remained!

Prof. Shanelle Morissette

United Bay Community Credit Union seemed to me the fair. At least no insurance and extra commissions. There are no discounts for regular customers. When paying off a debt, a transfer fee is not taken, although this is a bonus.

Cale Kozey

It was necessary to enhance the credit rating, because there is practically no chance of getting a loan at a favorable interest rate. As a result, I addressed United Bay Community Credit Union. The history improved after several loans paid back.

Mrs. Edna Windler DVM

Pay Attention

Above there are details about a exact lender. Below every reader may get acquainted with the common features of payday loans.

Payday Loans in Bay City, Michigan

A short-term loan is considered as a payday loan. This is a kind of a financial product taken out for 2,3 weeks. Available loan amounts range from $100-$1,000.

Payday loans in Bay City, Michigan are taken out problem-free. The interest percentage depends on the borrower's person-related data: if you repay more payday loans, the more efficient terms and rates lenders offer.


369% APR*

Max Loan


Min Term

Not Specified

Max Term

31 days

How will United Bay Community Credit Union help take out a payday loan in Bay City, Michigan?

  • Day and night service. Night hours are the same business hours for online payday lenders. You should not visit the chosen payday lender offline. The funds will be deposited to your bank account.
  • 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 application with customer data. It will take some minutes to consider the application. The funds are deposited in 24 business hours.
  • The approval rate is high. Almost 98% of positive decisions are made.
  • Affordability. If you contact a bank for a loan, you won't be sure it will be approved. There are many limits established by banks. Payday lenders do not pay attention to minor delays and bad credit. You may issue a loan fast and efficient.

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

To submit an application, every borrower should fill out 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

After filling out an application, submit it and recieve the decision.

Why people issue payday loans?


Utility Bills


Healthcare Bills




Car Repair



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

A adverse factor considered by financial institutions is known as bad credit history. But this hindrence is not implied as the only one by microfinance organizations to take out a loan. The lender process many aspects such as financial capabilities to approve the form. Cash advance in Bay City, Michigan may help level up your credit history.

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 need to calculate the annual percentage rate of the loan, you are welcome to apply the calculator. It will specify the cost of the payday loan.

APR Calculator

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