MyPay Today
Let us pay off your payday loans!
Trapped in a risky habit of borrowing high-interest funds every two weeks just to make ends meet? There is a better way.
The Old Way
A Better Way
400% APR
18% APR*
14-day repayment terms
60-day repayment terms
Important Update Regarding MyPay Today
As of October 15, 2026, One Detroit Credit Union will no longer accept applications for new MyPay Today loans.
- Existing Borrowers: If you currently have an active MyPay Today loan, no action is required. Your loan will remain available through its current annual term and will expire on its scheduled expiration date.
- New Borrowers: Applications for first-time MyPay Today loans will close at the end of the day on October 15.
If you are looking for short-term financing or affordable borrowing solutions, we encourage you to explore our other lending options, including our Personal Loans and Credit Builder Loans, or give us a call at (313) 965-8640 to speak with a member service representative.
Apply for MyPay Today online
Please note that to be eligible for MyPay Today you must be a current member for a minimum of 90-days or 30-days with direct deposit.
End the cycle of predatory payday loans.
With MyPay Today, you can borrow up to $500 to access emergency cash when you need it. But unlike traditional payday loans, it comes with a reasonable interest rate and manageable repayment terms.