Independent provider directory

Use the Lansing Friday window and verify every fee line

East Saginaw publishes an earlier Friday opening than the selected Clippert Street contact. Use that difference for a confirmed conversation, not a funding promise. Before accepting a cash advance, check the service-fee bands, the database charge and the full amount due on your actual date.

Compare Lansing contacts

Bottom Dollar Payday is not the lender. This page helps prepare and compare decisions; it does not submit an application or access accounts or application records.

Check n Go, 300 North Clippert St, Suite 2

(517) 203-0000

Mon–Fri 10 a.m.–6 p.m.; Sat 10 a.m.–2 p.m.; Sun closed [MI25]

Advance America, 3020 E Saginaw St

(517) 333-2092

Mon–Thu 10 a.m.–6 p.m.; Fri 9 a.m.–6 p.m.; Sat 10 a.m.–2 p.m.; Sun closed [MI26]

North Clippert Street and East Saginaw Street

Two published local contacts with different Friday opening times. Hours and product listings do not certify approval, licensing or money availability.

The map is requested from Google only after you press the button. It searches the displayed place or area; it does not verify a business profile or a license.

Choose what you need before Friday

I need to speak with a store early Friday

The East Saginaw page publishes 9 a.m. Friday opening; Clippert publishes 10 a.m. Confirm the service you need rather than assuming the first open counter can fund a loan immediately. [MI25] [MI26]

I am comparing the largest transaction amount

Michigan DIFS describes a $600 deferred-presentment ceiling, not a recommendation to borrow it. Calculate your actual expense gap and the full repayment first. [MI01]

The quote groups several fees together

Ask for the service fee, any $2.40 verification fee and the basis of any other charge separately. The $1 DIFS transaction fee may not be passed to the consumer. [MI02]

Compare the Friday opening without copying other hours

Lansing contact Telephone Published schedule
Check n Go, 300 North Clippert St, Suite 2 (517) 203-0000 Mon–Fri 10 a.m.–6 p.m.; Sat 10 a.m.–2 p.m.; Sun closed [MI25]
Advance America, 3020 E Saginaw St (517) 333-2092 Mon–Thu 10 a.m.–6 p.m.; Fri 9 a.m.–6 p.m.; Sat 10 a.m.–2 p.m.; Sun closed [MI26]

Save the suite and address when you call. An earlier opening gives a possible contact window, not evidence that underwriting or the receiving bank will finish sooner. Ask which steps remain for your own request.

Check the maximum-size example one band at a time

DIFS’s service-fee explanation uses six $100 bands for a $600 deferred-presentment transaction: 15%, 14%, 13%, 12%, 11% and 11%. [MI01]

Illustrative $600 transaction Amount
First two fee bands $15.00 + $14.00 = $29.00
Third and fourth bands $13.00 + $12.00 = $25.00
Fifth and sixth bands $11.00 + $11.00 = $22.00
Maximum service fee in this example $76.00
Permitted verification charge, if passed on $2.40
Total repayment with that charge $678.40

This is rule-based arithmetic, not a quoted rate or approval from either store. It excludes any later default event. DIFS separately states that its own $1 transaction charge cannot be passed on. [MI02]

Do not borrow the ceiling when the expense is smaller

Illustration: a $450 expense minus $180 already available leaves a $270 gap. Borrowing $600 would add $330 above that immediate need. More available cash does not erase the obligation to return principal and charges.

Ask for the actual amount offered and its written cost. If a smaller amount is unavailable or the repayment is not workable, compare an arrangement for the original bill rather than automatically accepting the next larger product.

Put the complete payoff into the right income period

For an illustrative budget, $1,400 income minus $760 essentials, $180 other payments and a $100 reserve leaves $360. The $678.40 maximum-size example would leave a $318.40 shortfall.

The point is not that everyone has that budget; it is that the maximum transaction and an affordable payment are different quantities. DIFS’s 7–31 day term range does not authorize you to move your own maturity without agreement. [MI01] Use the date printed in the actual contract.

Keep the payout choice separate from optional services

DIFS says proceeds from this defined payday transaction are delivered in cash, by check or money order at the customer’s request. A subsequent card load can be a separate choice. [MI01] Do not let a card promotion obscure the contractual cash amount or add an unexamined service fee.

Likewise, the East Saginaw Michigan panel identifies a cash advance; generic wording from another state or translated page does not override the actual product shown for the branch. [MI26] Confirm current terms through the exact local contact.

Ask for a document, a decision stage or a repayment conversation

Finish the call with a concrete next step: the missing document, a written offer to review, the disbursement condition still pending or a repayment discussion on an existing account. Bottom Dollar cannot issue the decision or see the creditor’s record.

If borrowing does not fit, discuss the original expense with its issuer. The CFPB lists creditor negotiation among possible alternatives. [HM03] Keep any repayment modification in writing and do not use a second contact as an automatic route into another debt.

Questions before continuing

Does the earlier Friday opening mean faster funding?

No. It only identifies a published contact window. Approval, origination and payout conditions still apply.

Is $678.40 an offer available to everyone?

No. It illustrates a $600 transaction with the maximum service-fee bands and an allowed database charge, not approval or store pricing.

Should a $1 DIFS transaction charge be included in my fee total?

DIFS says that specific charge may not be passed to consumers. Ask the provider to distinguish it from the separate verification fee.

Related decisions

Company profiles for this city

These profiles may cover different providers or products from the contacts above. Open the profile for its service type and any unresolved address or operating details.

Cashland — South Cedar StreetDicker & Deal Cash Centre — Saginaw Street
Sources and scope

Sources describe rules and resources; they do not endorse Bottom Dollar or certify listed businesses. Numerical examples are calculations, not offers.

  1. Guide and source: CFPB — Choices before taking a payday loan [HM03]
  2. Guide and source: Michigan DIFS — deferred-presentment operational questions [MI01]
  3. Guide and source: Michigan DIFS — deferred-presentment fees [MI02]
  4. Check n Go — North Clippert Street, Lansing [MI25]
  5. Advance America — East Saginaw Street, Lansing [MI26]