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Cash Advance in Detroit, 48226

Customer centered service

Providing excellent customer service and a positive loan experience is Swift Title Loans top goal and we work tirelessly to make this happen for each and every customer.

Easy application process

We understand the urgency when getting a loan, so we offer simple options for applying. You can choose to apply either by phone or online.

Loans for low credit score

We don’t like turning away customers simply for having a bad credit score. We will work hard to get you a loan regardless of your bad credit.

Our main advantages

Swift is one of the most flexible and trustworthy finance houses in the great sun-soaked city of Los Angeles, California. While there are many things that set Swift apart from its competitors, here’s what customers should know about the Swift difference.

3 Easy Steps To Get a Cash Advance Loan in Detroit


Get Started

Fill in the simple online inquiry form and you can get connected swiftly to trusted third-party lenders in our network.


Get an Offer

The lender will present you with a cash advance loan offer that suits your financial needs.


Get Your Cash

Once you sign the loan agreement, the cash can be yours in no time, sometimes even on the next business day.



Fast Access To Cash

Bad Credit Is Not A Deal-Breaker

No Collateral Required

Minimum Paperwork

Use The Money For Any Purpose



Source Of Income

Checking Account

Valid Identification



Fill In The Online Inquiry Form

Get Connected By A Trusted Third-Party Lender

Receive & Review The Offer

Sign The Contract

Get Cash

Cash Advance in Detroit, Michigan: Everything You Need to Know

Detroit, MI, known for its vibrant culture, rich automotive history, and Motown sound, remains one of America’s iconic cities. Yet, amidst its buzzing economy, residents sometimes find themselves needing a quick financial boost. That’s where cash advance loans step in. This detailed guide will provide you with an in-depth understanding of payday loans in Detroit, MI.

What are Cash Advance Loans in Detroit, MI?

In the heart of Detroit ,MI, cash advances, often referred to as payday loans, are short-term financial solutions designed to help residents manage unexpected expenses. These are small loans meant to be paid back by the borrower’s next payday. Given their short tenure, they have higher interest rates than conventional loans. One of the main attractions of these loans in Detroit is their ability to cater to people who might have low credit scores or do not qualify for traditional financial solutions.

Detroit’s landscape, like many urban centers, is dotted with various financial establishments offering diverse services. Among them, payday loan centers stand out as a beacon for those facing financial emergencies. Cash advance loans in Detroit serve as a lifeline for many facing temporary financial hurdles such as medical emergencies, car repairs, or unforeseen bills. In a city that thrives on its robust industrial nature, the need for quick liquidity at certain times is paramount.

Moreover, these loans are also an integral part of the broader financial ecosystem of Detroit. With the city’s historical economic ups and downs, cash advances offer a financial cushion, allowing Detroiters to bridge the gap between paychecks. It’s not just about providing funds; it’s about granting peace of mind. With straightforward terms and a faster application process than traditional loans, cash advance loans in Detroit have become an accessible tool for many, ensuring they don’t have to compromise on their daily needs or get bogged down by sudden expenses. This convenience and quick turnaround make payday loans a sought-after option for many residents in Detroit, MI.

Cash advance Detroit MI

Payday Loans Requirements

To qualify for a payday loan in Detroit, MI, there are specific standard criteria one must fulfill:

Age: Applicants must be at least 18 years old.

Residency: Must be a resident of Detroit, MI.

Income: A steady source of income, either through employment or benefits.

Bank Account: An active bank account is essential, as this is where the loan will be deposited, and repayment will be taken.

Credit Score: While most payday lenders don’t require an excellent credit score, some form of credit check might be conducted. However, many lending companies in Detroit, MI are more lenient compared to traditional banks.

How to Find the Best Lender

Research: Begin with a thorough search. Check out reviews of different payday lenders in Detroit, MI.

Regulations: Ensure that the payday lenders adhere to Detroit’s rules and regulations regarding payday loans.

Interest Rates: Different lending companies might offer varying interest rates. It’s vital to find the best deal to avoid paying unnecessary premiums.

Transparency: The best payday lenders are transparent about their fees, interest rates, and repayment terms.

How to Apply for a Cash Advance Loan in Detroit

Navigating the world of finances can be intricate, but applying for a cash advance loan in Detroit, MI, is designed for simplicity and swift access to funds. Here’s a breakdown of how Detroit residents can embark on this journey:

1. Online vs. In-Store Applications:

Residents of Detroit have the flexibility of applying for payday loans both online or by visiting a physical store. While in-store applications offer the advantage of face-to-face consultations and often immediate cash, online applications boast convenience. An online application can be completed from the comfort of one’s home, with funds directly deposited into the borrower’s bank account once approved.

2. Documentation and Information:

To facilitate a smooth payday loans application process, borrowers should have the necessary documentation on hand. This typically includes a valid government-issued ID (proving the borrower is at least 18), proof of a stable income (like recent pay stubs), an active bank account, and valid contact information. For online applications, digital or scanned copies of these documents would need to be uploaded.

3. Understand the Loan Terms:

Before committing, it’s crucial to understand the terms of the loan. This includes the loan amount, interest rate, fees, and repayment date. Reputable lenders will transparently lay out all terms, ensuring that borrowers are fully aware of their obligations.

4. Credit Check Process:

While many payday lenders in Detroit, MI, offer loans to those with bad credit, they might still conduct a soft credit check. This doesn’t impact your credit score like a hard check would. However, it gives lenders a snapshot of your creditworthiness and helps in determining the terms of the loan.

5. Receiving the Funds:

Upon approval, if the application was made in-store, borrowers could receive cash almost immediately. For online applications, the funds are typically deposited into the borrower’s bank account within one business day.

6. Repayment:

Repayment terms for cash advances in Detroit typically align with the borrower’s next payday. It’s essential to have funds available in the bank account by this date, as the lender will automatically withdraw the owed amount. If there’s a concern about repaying on time, it’s vital to contact the lender beforehand. They might offer an extension or a payment plan, though this could incur additional fees.

Navigating financial hurdles can be daunting, but the process of securing a payday loan in Detroit, MI, has been streamlined to ensure accessibility. Whether it’s for an unforeseen medical emergency, an unexpected repair, or just to make ends meet, a cash advance loan might be the temporary solution Detroiters are seeking. Always remember to borrow responsibly and understand all terms before taking on any loan.

7 Things to Consider When Taking a Cash Advance Loan in Detroit, MI

Necessity: Ensure you genuinely need the loan and aren’t borrowing out of impulse.

Repayment Ability: Borrow only what you can repay. Overborrowing can lead to a debt cycle.

Interest Rates: High-interest rates mean you’ll be paying back significantly more than you borrowed. Always be aware.

Lender’s Reputation: Ensure you’re dealing with reputable payday lenders to avoid scams.

Regulations: Familiarize yourself with Detroit, MI’s payday loan regulations.

Terms and Conditions: Always read the fine print before accepting any loan.

Alternative Options: Before taking a payday loan, consider other financial solutions like borrowing from friends or family or exploring community programs.


Is my credit score crucial for payday loans in Detroit, MI?

While credit scores play a role, many Detroit lenders prioritize other factors like stable income over perfect credit history.

What happens if I can’t repay my payday loan on time?

If you cannot repay on time, it’s best to contact your lender immediately. They might offer a rollover or an extension, but this could come with additional fees.

Can I take multiple payday loans at once in Detroit, MI?

State regulations usually limit borrowers to one payday loan at a time, but specifics can vary among lenders.

How fast can I receive the loan amount?

Depending on the lender, many offer same-day or next-day deposits, especially for in-person applications.

Are there any hidden fees in payday loans I should be aware of?

Always read the terms and conditions and ask your lender about all fees and charges upfront. Transparent lenders will disclose all costs.


Phone number

(313) 474-8178



1327 Brush St unit 201, Detroit, MI, 48226


Open hours

Mon – Fri:

9am – 7pm


10am – 4pm





Fast Process

When you need money urgently, fill in the online request form and you won't believe how fast you can get the loan approved.

Near Locations


2895 W Grand Blvd unit 102, Detroit, MI 48202


6348 E McNichols Rd space C, Detroit, MI 48212


20002 Schoolcraft Rd unit A, Detroit, MI 48223

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