Online Loans in Michigan

Get Started


Please be advised that a Line of Credit through CreditFresh is currently unavailable in this state. Thank you for your patience while we update our site details. If you reside in this state, please check back on April 12th, 2021 to complete your request.

Have you ever faced an unexpected emergency expense without having the funds to handle it? If so, you may be able to find the help you need with an online loan in Michigan! With a Line of Credit through CreditFresh, you may be able to qualify for an online loan between $500 to $3,500. While some short term loans online may contain unexpected fees and hidden terms, the terms of a Line of Credit through CreditFresh are transparent and straightforward.

Submitting a request for this online loan in Michigan is fast and easy. If approved, you’ll be able to access funds when you need them, as long as you have available credit. Simply request a draw on your personal Line of Credit from your available credit and the funds may be in your bank account the same business day3!

Note: A Line of Credit is a type of online loan. As a revolving credit product, you can request draws, repay and redraw as needed from your available credit.

Online Loan Summary

Credit Limit: $500 to $3,500

Loan Type: Line of Credit

Minimum Payment: Billing Cycle Charge + Mandatory Principal Contribution

Funding Time: Same Business Day3

Get Started


Benefits of Choosing Online Loans through CreditFresh in Michigan




Access Credit When You Need it
  • Have the financial flexibility to handle emergency expenses.
  • Have access to your available credit when you need it by requesting a draw online.
  • Funds may be in your bank account the same business day3.

Excellent Customer Service
  • Our dedicated Customer Service team is here to help!
  • You can reach us 7 days a week for any questions relating to loan products offered through the CreditFresh website.
  • We’re here to help you access the funds you need when an emergency strikes.


Transparent, Easy-to-Understand Product
  • Straightforward repayment terms without hidden charges.
  • A simple Billing Cycle Charge structure.
  • Have access to a secure online platform to review information regarding your account.

Online Loans in Michigan through CreditFresh – The Details

When you’re dealing with an emergency expense you weren’t able to plan for and you don’t have the money saved to handle it, an online loan in the form of a line of credit could provide you with the safety net you need to help you through it! A situation where you need short term online loans might come up if you have to make an unexpected trip to the emergency room, if your car blows a tire and you need to get it fixed quickly, or if you need to make an unplanned but essential home repair.

If you’re looking to get a loan online in Michigan, you can click here to submit a request or call us at 1-800-766-2007 for more information.

Credit Limit

$500 to $3,500.

Making a Draw

You have the option to withdraw available funds all at once, or in smaller amounts from your available credit, as needed, so long as your account is in good standing. If you request a draw, funds may be deposited into your bank account the same business day3.

Repayment of Your Online Loan in Michigan

If you have an outstanding balance, you will be required to make a Minimum Payment for each Billing Cycle.

You will be issued a periodic statement at least 14 days before your Minimum Payment is due for your Line of Credit. Your periodic statement will include important details such as your Minimum Payment and your Payment Due Date.

Your Minimum Payment will be made up of two components:

  • Billing Cycle Charge: this will be calculated based on your Average Daily Principal Balance that appears on your periodic statement (see details below); and
  • A Mandatory Principal Contribution which helps ensure you are always paying down your Outstanding Principal Balance.

You can always make payments towards your Outstanding Principal Balance at any time without prepayment penalties.

The Cost of an Online Loan through CreditFresh in Michigan

For each billing cycle, you will only be charged a Billing Cycle Charge if you have an Outstanding Principal Balance. You can find this information in your periodic statement.

Billing Cycle Charge Table:

If the “Average Daily Principal Balance” appearing on your periodic statement is:

If you are paid weekly, bi-weekly or semi-monthly, your Billing Cycle Charge will be:

If you are paid monthly, your Billing Cycle Charge will be:

$0.01 - $9.99 $5.00 $10.00
$10.00 - $249.99 $15.00 $30.00
$250.00 - $499.99 $30.00 $60.00
$500.00 - $749.99 $40.00 $80.00
$750.00 - $999.99 $55.00 $110.00
$1,000.00 - $1,249.99 $70.00 $140.00
$1,250.00 - $1,499.99 $85.00 $170.00
$1,500.00 - $1,749.99 $95.00 $190.00
$1,750.00 - $1,999.99 $105.00 $210.00
$2,000.00 - $2,249.99 $115.00 $230.00
$2,250.00 - $2,499.99 $120.00 $240.00
$2,500.00 - $2,749.99 $135.00 $270.00
$2,750.00 - $2,999.99 $145.00 $290.00
$3,000.00 - $3,249.99 $160.00 $320.00
$3,250.00 - $3,500.00 $175.00 $350.00

Here’s what customers are saying

Get Started

Frequently Asked Questions


What are the minimum requirements to qualify for an online loan in Michigan through CreditFresh?

In order to qualify for an online loan through CreditFresh, you must:

  • Be of legal age to contract in Michigan
  • Be a US citizen or a permanent resident
  • Be a resident of Michigan
  • Have an active bank account
  • Have a regular, consistent source of income
  • Have a valid contact number and an active email address

Please note that currently, no credit products offered through CreditFresh have charges that would meet the requirements applicable to lend to covered members of the US Armed Forces and their dependents.

Will I need a bank account to be approved for this online loan in Michigan?

Yes, if you’re looking to be approved for a Line of Credit through CreditFresh, you’ll need to have an active bank account.

Will I need to make an appointment to submit a request for this online loan?

No, in order to submit a request, you will not need an appointment. To begin this process, simply click here. Submitting a request is simple and may only take a few minutes to complete1.

For more information, feel free to give us a call at 1-800-766-2007 and a member of our Customer Service team will be pleased to help you.

Are online loans offered through CreditFresh in other states?

Yes, this Line of Credit is currently offered in Alabama, Delaware, Florida, Idaho, Indiana, Kansas, Kentucky, Mississippi, Missouri, Nebraska, Ohio, South Carolina, Tennessee, Texas, Utah, Washington, and Wisconsin in addition to Michigan.

How is a line of credit different than an installment loan?

One of the main ways this type of loan differs from an installment loan is that it’s a revolving form of credit. This means that if you’re approved, you’ll be able to borrow any amount up to your available credit limit, either all at once or in smaller amounts, as needed. As you pay down your balance, you can continue to borrow money when you need it from your available credit, so long as your account is in good standing. This is why emergency loans online may be one way for you to get the money you need if you’re facing an unexpected expense and don’t have the necessary funds set aside to cover it.

We’re here to help!

Being in a difficult financial situation can be scary, and you’ll need to consider your options carefully if you’re looking to borrow money online by requesting a loan. If you need more information on the process of requesting an online loan in Michigan through CreditFresh, feel free to contact our Customer Service team at 1-800-766-2007. You can also find more information about this Line of Credit by visiting our general FAQs page.