Emergency Loans

Emergency funding for unexpected expenses.

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No credit check

Fast funding

Affordable rates

More month than money? Get financial help when you need it most.

Unexpected expenses can disrupt your budget, but they don't have to derail your finances. MinuteMoney can help cover a variety of emergency expenses, including:

Car repairs
Medical expenses
Home or appliance repairs
Unexpected household bills
Other urgent life events

With a simple application, fast decisioning, and competitive rates, MinuteMoney is designed to help eligible Michigan First members get back on track. In 60 seconds, you can get money deposited into your account with no credit check required.

Get fast cash:

Loan amounts from $500 - $3,000
Upon approval, funds are immediately deposited into your account
Affordable monthly payments
Low competitive rates
Fees and repayment terms vary based on loan amount

To Apply, log in to Online Banking or the Michigan First Mobile App.

Frequently asked questions

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Do I have to be a Michigan First member to apply for a loan?

Yes. You must become a Michigan First member before applying for a consumer loan. Membership is open to anyone who lives, works, or worships in Michigan and begins by opening a Michigan First Savings Account with a minimum $10 deposit.

What credit score do I need to qualify for a Michigan First loan?

Michigan First does not use one minimum credit score for every loan. Approval and available rates depend on factors such as the type of loan, your credit history, income, existing debts, and ability to repay. Applying is the best way to learn which options and rates may be available to you.

What can I use a Michigan First personal loan for?

A Michigan First personal loan can be used for many planned or unexpected expenses, including weddings, medical procedures, auto repairs, travel, home updates, and debt consolidation. Michigan First offers fixed-rate Life Event Loans, savings secured loans, and personal lines of credit - so the right option will likely depend on how much you need and how you plan to use it.