Bad Credit Online Loans in Michigan

  • Get the cash you need the same day you apply*
  • Fast application & instant approvals
  • No minimum credit score required
  • 24.99% Annual Percentage Rate (APR)
  • Revolving personal lines of credit
  • You do not have to pay the loan off within 60 days
  • No minimum/maximum repayment period
  • Deposits available same day
  • Private & Secure

* Applicants typically receive approved lines of credit within 1 business day.

Please enter your first name.
Please enter your last name.
Please enter a valid email.
Please provide a valid zip code. offers open-end, revolving lines of credit to residents of Michigan! An open-end line of credit can be an excellent way to meet your ongoing cash needs. Approved applicants receive an initial cash drawdown from their line of credit. Qualified members may then apply for and receive additional credit limit increases and cash drawdowns as they’re needed. So you have access to the cash you need, when you need it!

Concerned about your credit score? does not have a minimum credit score requirement! While we will look at your credit as part of your application, we evaluate hundreds of data points when considering your application for approval.

No credit score is too low! now offers revolving lines of credit to residents of Michigan.
They are often a better alternative to

  • Loan agency
  • Flex loans
  • Installment loans
  • Microloans
  • Bad Credit Loans
  • Poor Credit Loans
  • No Credit Online Loans
  • Loans for Bad Credit
  • Small Cash Loans Online
  • Online Loans
  • Personal Loans
  • Low FICO Score Loans

NHCash – your alternative to payday loans in Michigan

No Minimum Credit Score Required

If you’ve got a low credit score, most lenders don’t even look at you. With us, that’s not the case. Whatever credit score you have, here you’re in the right place.

You can still get approved, even with a low credit score!

Receive Your Money the Same Day

There is no point in making things complicated. With us, the application process takes only a few minutes and the approvals are instant.

Get the cash you need, when you need it!

Private & Secure

For us, privacy is of utmost importance. Your data and activity on our site are protected. Whenever you want to get a new loan, login securely to our application.

We value your privacy!

Your easy, low-payment borrowing option

If I borrow $300

my estimated monthly** payment will be $65.23

See how we compare

NHCash $ 2.33 per day
PayDay Lender $ 5.71 per day provides open-end, revolving line of credit accounts.
There is no minimum or maximum repayment period.
All lines of credit can be paid off at any time without penalty.

** Most lines of credit feature a 28-day billing cycle with thirteen billing periods in the calendar year. You will have a minimum payment due in each billing period. The sliding payment graphic above is for demonstrative and marketing purposes only. Rates, fees, and billing cycles may vary depending on your account and/or your state’s laws and regulations. The average initial line of credit size is between $250-$500. Demonstrating a record of payment performance may entitle you to credit limit increases up to the maximum credit line size of $2,000. provides online loans across the state of Michigan.

  • Detroit
  • Grand Rapids
  • Warren
  • Sterling Heights
  • Ann Arbor
  • Lansing
  • Flint
  • Dearborn
  • Livonia
  • Canton
  • Macomb
  • Westland
  • Farmington Hills
  • Kalamazoo
  • Benton Harbor
  • Battle Creek
  • Kentwood
  • Saginaw
  • Taylor
  • Muskegon

Michigan Registered Agent Address: InCorp Services Inc., 40600 Ann Arbor Road East – Ste 200, Plymouth, MI 48170

Understanding the Line of Credit

Your loan with is an open-end, revolving line of credit. Once approved, you will receive an initial credit limit and an initial cash drawdown from that credit limit. Your drawdown will be deposited into the account you selected on your application. After a minimum of 5 on-time payments, you will be eligible to request additional credit limit increases and drawdowns.

Line of Credit Amount

The average initial credit limit ranges between $250-$500. The best part about an open-end line of credit is that you can request more cash without having to re-apply or fully pay off your previous drawdown! You may request credit limit increases up to the maximum credit line size of $2,000!

Taking a Drawdown

Once qualified members request a credit limit increase, they can request drawdowns for the total credit available to them all at once, or in smaller increments as needed over time. When you request a drawdown, funds will typically be deposited into your account on the next business day.

Making a Payment

Each billing cycle, you will receive a periodic billing statement that details account activity during the period and explains how much you owe. You are required to make your minimum payment by your due date. You’re always welcome to pay more than your minimum payment due without penalty.

We also understand that situations come up that may require you to change your payment; you can make an online payment adjustment to move your due date out by up to 7 days without incurring any additional fees.

Can You Provide a Representative Example of the Total Cost of the Loan Including All Applicable Fees? provides open-end, revolving lines of credit. The total cost of the line of credit depends on the borrower’s activity in each billing period. Qualified accountholders can access credit limit increases and additional cash drawdowns throughout the duration of their account. Because the cost of the line of credit depends on the accountholder’s usage, there is no representative total cost of the line of credit.

Michigan Online Loan Rates and Fees

Important Disclosures for Open-End Credit Accounts in Michigan

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Cash Advances 24.99%
Paying Interest You will have no grace period in which to repay your balance before finance charges will be imposed. You will be charged periodic interest and the Annual Fee from the date of each transaction.
Minimum Interest Charge No Minimum Interest Charge


Annual Fee0.65% of the average daily balance per day within each 28-day billing period the the Account remains open. The annualized amount of the Annual Fee is based on 13 billing periods per year.
Penalty Fees $15 Late Payment
$25 Returned Payment

How We Will Calculate Your Balance: We use a method called “average daily balance (including current transactions).” Open-end Credit Agreement for more details.

Daily Periodic Rate: The daily periodic rate used to figure interest for your Account is .06827%, which is calculated by dividing the APR by 366.

 You are only responsible for paying the Annual Fee for those billing periods during which your Account remains open and not in Default. This fee is a daily fee billed periodically and is pro-rated for the number of days within the billing period.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided to you in your Open-end Credit Agreement and included with every periodic statement you receive.

Trusted by Thousands of Customers!

If you have tried and been disappointed by other lenders who promise online loans for customers with bad credit, please check our Trustpilot reviews to see what thousands of people have to say about receiving a credit line from