Compare legal limits, fees and the true cost of small loans in your state before you talk to any lender. Compare legal limits, fees and the true cost of small loans in your state.
Banks vs Payday Loans in Bay City, MI
13 branches of 7 FDIC-insured banks operate in Bay City. Data: FDIC BankFind, as of June 30, 2026. There are also 2 payday, installment and title loan stores of 2 chains in Bay City — about 6.5 bank branches for every loan store.
- Bank branches
- 13
- Payday & loan stores
- 2
- Banks
- 7
- Loan store chains
- 2
- Bank branches per 100k
- 20.2
- Loan stores per 100k
- 3.1
Payday and installment loan stores in Bay City
Addresses and phone numbers of storefront lenders in Bay City. These loans usually cost far more than a bank or credit union loan — compare first.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 3970 East Wilder Road, Suite C Bay City, MI 48706 | (989) 667-5740 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 10:00 AM – 2:00 PM Sun closed |
— |
| 3900 State Street Rd Ste 220 Bay City, MI 48706 | (989) 671-0039 | — | 5.0 |
Bank branches in Bay City
| Address | Branch | Type |
|---|---|---|
| 21 E Main St Bay City, MI 48708 | Bay City Main Rivers Edge Branch | Full service |
| 3533 Wilder Rd Bay City, MI 48706 | Bangor Branch | Full service |
| 600 Washington Ave Bay City, MI 48708 | Seventh Street Office Branch | Drive-thru |
| 900 W Midland St Bay City, MI 48706 | Bay City Midland Street Branch | Full service |
| 3907 Wilder Rd Bay City, MI 48706 | Wilder Road Bay City Branch | Full service |
| 601 N Madison Ave Bay City, MI 48708 | Bay City Branch | Full service |
| 623 Washington Ave Bay City, MI 48708 | Bay City Branch | Full service |
| 745 N Euclid Ave Bay City, MI 48706 | Bay City Euclid Branch | Full service |
| 1111 N Euclid Ave Bay City, MI 48706 | Bay City North Euclid Branch | Full service |
| 610 Lafayette Ave Bay City, MI 48708 | Lafayette Mi Branch | Full service |
| 3870 State Street Rd Bay City, MI 48706 | Bay City Banking Center Branch | Full service |
| 723 South Washington Avenue Bay City, MI 48708 | Bay City Loan And Wealth Branch | Limited service |
| 2985 Wilder Rd Bay City, MI 48706 | Bay City-Wilder Road Branch | Full service |
More about Bay City
Bank branches as reported to the FDIC, including main offices; branch phone numbers are not published by the FDIC. Loan stores: storefront locations of major payday, installment and title lenders from lender websites and Google Maps; call ahead to confirm hours. Online-only lenders are not included.