Sturgis, MI · Midwest · Allowed
Payday loans in Sturgis
Sturgis is governed by Michigan's statewide lending law — cities don't set their own loan rules. Storefront payday lending is permitted in Michigan. State law caps what lenders can charge — the limits below are the legal ceiling, and honest lenders stay under it.
The limits below are the legal ceiling — any offer above them is being made outside the law.
Lending storefronts in Sturgis
13,097 residents · St. Joseph County/St. Joseph County Median household income is $37,334 — below the Michigan median of $56,012.
2 storefront locations of 2 companies listed in the public directory snapshot below. Categories are the directory's own — verify a store's license with the state regulator before borrowing.
| Lender | Address | Phone | Hours |
|---|---|---|---|
| Advance America Check Cashing/Pay-day Loans | 883 S Centerville Rd, 49091 | (269) 659-1900 | Mon 10:00 AM - 6:00 PM · hours vary |
| Cash Store Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 1354 S Centerville Rd, 49091 | (269) 651-3393 | Mon 10:00 AM - 6:00 PM · hours vary |
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the Michigan page before visiting. Spot an error? Report it.
The online route in Sturgis
A parallel market lends entirely online — application, decision and funding on a website, no storefront. Lenders licensed in Michigan follow the state schedule anywhere in the state, but bank-partner and tribal loans are structured outside state rate limits, and regulators dispute that model.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the Michigan regulator.
The rules behind the numbers
A deferred presentment service transaction is not intended to meet long-term financial needs.
In practice: borrow $300 for a standard term and the finance charge is $42 — $342 repaid at the end, about 365% APR. Every compliant lender in Sturgis has to fit inside that schedule.
Statute: MCL 487.2121 et seq. (Deferred Presentment Service Transactions Act)
Regulator: Michigan Department of Insurance and Financial Services · www.michigan.gov
Questions people ask in Sturgis
Are payday loans legal in Sturgis, MI?
Yes. Storefront payday lending is permitted across Michigan, and Sturgis runs under the same state rules: maximum loan $600, fees capped at 15% on first $100, 14% on 2nd $100, 13% on 3rd $100, 12% on 4th $100, 11% on 5th & 6th $100. A store charging above the cap is operating illegally.
How much would a $300 loan cost me in Sturgis?
The same as anywhere in Michigan: state law sets the schedule. On a typical $300 loan the finance charge is about $42 — $342 repaid at the end of the standard term.
Which lenders have stores in Sturgis?
2 storefronts are listed in Sturgis in our 2022-02-20 directory snapshot (2 different companies). The full list with addresses, phones and hours is in the table above.
Who regulates lenders in Sturgis?
Complaints about a lender go to the Michigan Department of Insurance and Financial Services (www.michigan.gov) — keep the loan agreement and every fee disclosure you were given.