Looking For Car Finance In Michigan During June 2020?
Getting the best deal on a car loan in Michigan can save you a significant amount of money over the life of your loan. That’s why you need a partner who knows how to get you approved for the vehicle that you want at the lowest car loan interest rate possible and with no hassle.
The AllCreditCarLoans network of finance partners provides quick and easy auto finance decisions for all credit situations. Our finance partners are making more loans, approving buyers with lower credit scores, offering lower monthly payments and making larger loans than ever before. There has never been a better time to get an auto loan than right now.
By working with AllCreditCarLoans, you can get preapproved for a car loan before going to the car dealership, so that you can negotiate as a cash buyer and get the best deal possible.
So, no matter what your credit situation, if you are looking for a quick, no-hassle auto loan at the best rate, just click the button below to get the process started. Our one-page application form is simple and easy to use. It only takes a few minutes.
We Can Get You Financed Despite Any Special Circumstances
You need a new car and we are here to help you get it!
Your chances of obtaining vehicle financing are very good. Via our network of dealer and lender partners, we have many options available to get you financed. Difficult circumstances are our specialty and we have seen nearly every situation possible.
We have helped…
Car buyers get their first car
Car buyers with a past repossession
Car buyers with a past bankruptcy
Car buyers who are paid in cash
Car buyers who are self-employed
Car buyers who receive social security benefits
Car buyers who are on disability
Car buyers who are retired
Car buyers with no money to put down
Car buyers with a trade-in vehicle
Apply today and let us start helping you get that new car that you need!
Watch Our Video On Getting A Car Loan In Michigan
AllCreditCarLoans Follows A Simple 1-2-3 Auto Loan Application Process
No need to wait for hours at your nearest dealership or submit tons of paperwork. No need to worry about your credit history. With AllCreditCarLoans, everything is as easy as 1-2-3.
- 1 - COMPLETE OUR APPLICATION - This process only takes a few minutes. Our online application is secure, so you don’t have to worry about the safety of your information. There are no fees or hidden charges. Applying is totally FREE.
- 2 - RECEIVE YOUR LOAN APPROVAL - Getting your loan approval is fast and easy. We have an extensive lending network, so the loan approval process is efficient. You don’t have to wait for days, weeks or months. Many applicants receive loan approval on the same day they apply.
- 3 - PURCHASE YOUR VEHICLE - With our easy as 1-2-3 process, you can purchase your auto on the same day your loan is approved. You just visit your favorite dealership and negotiate like a cash buyer.
Your Car Financing Options
Your credit history and where you are buying your auto from will determine the kind of auto deal you can get.
Whether you are buying a new or used auto from a dealer; you need a program designed to help you get a vehicle loan despite some credit challenges; or you are looking to refinance your existing loan - we can help.
We provide a variety of auto loan options to suit your needs and credit situation:
- Michigan New Car Loans
- Michigan Used Car Loans
- Michigan Auto Refinance Loans
- Michigan Good and Fair Credit Car Loans
- Michigan Bad, Poor and Horrible Credit Auto Loans
Our loan programs are tailored to your exact needs and budget and are designed to meet or exceed the features of national auto finance companies like Capital One Auto Navigator, Carmax Finance, USAA Car Loans, Chase Auto, Wells Fargo Car Loans, Bank of America Auto Loans, Navy Federal Auto Loans, AAA Auto Loans, Key Bank Auto Loans, PNC BankAuto Loans, Bankrate Auto Loans, US Bank Auto Loans, TD Bank Auto Loans and State Farm Bank Auto Loans.
We also specialize in sub-prime auto loans including financing an auto after bankruptcy and helping borrowers to obtain a loan after an auto repossession.
If you are looking for an auto title loan or the best place to refinance your vehicle, we have programs that can help you as well.
We've provided auto loans for first-time buyers, auto financing for college students and we are proud to have arranged military and veteran auto loans for service members and their spouses. We've even been able to help foreign nationals and others who do not qualify for a social security number to obtain an auto loan with their ITIN.
AllCreditCarLoans works with the best buy here pay here car lots, bad credit car dealers, second chance car dealers and other lenders to provide the best interest rates.
You are never alone in this process. Our lender partners will guide you every step of the way -- from the time you begin processing your application, all the way to the day when you drive home your new vehicle. Click the button below to let us get started helping you today!
Car Finance Calculator For Michigan
Use the AllCreditCarLoans monthly car payment calculator to help determine how much you can afford to spend when financing or refinancing a car. You can run multiple scenarios varying the "down payment" and "number of months" in order to get the monthly payments where you would like them to be.
We recommend that you target your total car expenses to be no more than 20% of your take-home pay.
What To Know Before You Apply For A Car Loan
Auto Loan Interest Rates
The interest rate you’ll receive depends upon your credit history, your income, the length of the loan and the vehicle you choose.
Auto Loan Terms
While it is possible to find a lender who will finance a vehicle for up to 84 months, we don't recommend stretching out payments any longer than you need. It’s best to pay off a car loan as quickly as you can since cars depreciate rapidly. The longer the loan term, the more probable that at some point you will end up owing more on the loan than the car is worth. Being underwater or upside-down on a loan is a risky financial situation. The best interest rates are available for shorter loan terms. We recommend keeping your loan term to 3 years for used cars and up to 5 years for new cars.
Auto Loan Credit Score
Credit scores give lenders an idea of how you manage your finances. These scores are essential in helping you plan your finances well. Likewise, credit scores can be testaments of how well you make decisions, as well as how healthy your spending habits are. Credit scores can help determine whether you pay your bills on-time, if you use your credit cards wisely, and how well you manage your loans.
The higher your credit score, the lower the interest rate you will likely be asked to pay.
Therefore, if you have multiple loans that are unpaid; if your credit cards have been maxed out and several of your bills remain unpaid, you earn a low credit score. While it does not define the kind of person that you are, your score can indicate an unhealthy financial habit, which can make you appear "too risky" and turn away lenders.
A lot of lenders do not offer auto finance loans to applicants who have a low credit score because they do not want to encounter problems when collecting payments. Some lenders accept borrowers with low scores, but they often charge higher interest rates for the loans they make. This is because they want to lessen the risks that your low credit score represents.
But AllCreditCarLoans is different. We work with leading car finance lenders and auto dealers to help you find the best auto loan terms for your credit situation. Fill out our quick and easy one-page application to let us get you financed today.
Soft vs. Hard Credit Pull
Your auto lender may do a "soft" credit pull in order to pre-qualify you for a car loan. A "soft" credit pull doesn’t subtract from your credit score the same way a "hard" pull does, but it also doesn’t guarantee you’ll be approved for a loan or that you'll get the exact rate you’ve been quoted. A "hard" credit pull will be required before the loan terms are finalized.
If you are applying with multiple lenders in order to shop the best interest rates, it makes sense to complete all your loan applications within a short time-frame. The credit reporting agencies tend to count multiple hard inquiries made within a short period as only one inquiry.
It's a good idea to know your credit score before you apply for your loan. If you are unsure what your credit score is, you can always use this service to find your credit score.
If your credit score could use improvement, you can work with a credit repair vendor to improve your credit score.
Car Loan Restrictions
Some lenders only work within a specific network of auto dealerships. This could limit your choice of vehicles to a handful of auto makes, models and vehicle types.
Some lenders will only work with car dealers so you won't be able to use them to buy a car from a private seller.
Steps To Get A Car Loan
Shopping for a vehicle has never been easier. Our vast network of lending partners and streamlined process makes getting a loan quick and easy.
1 - Budget For Your Car Purchase
The first step in obtaining financing is to figure out how much you can afford to spend.
If you have a vehicle to trade-in, you should determine its value so that you can factor that into your budget. A good resource for determining your autos market value is Kelley Blue Book.
Next, you'll want to consider how much money you have to use for a down-payment. The more money you put down, the lower your monthly payment will be. If you need an auto loan with no down payment, don't worry. We can still help you.
Finally, use our car loan calculator to estimate your monthly payment. You can vary the interest rate and loan term to see how that affects the potential monthly payment.
2 - Choose Whether You Want A New Or Used Auto
If you've chosen to buy a new car, you will most likely be purchasing the vehicle from a car dealership. In order to get the best deal on new car financing, follow our new car recommendations.
If you are looking to get the most value for your dollar, you will likely be better off financing a used car. For the best results, follow our used car recommendations.
3 - Apply For Your Car Loan
Click the button below and fill out our quick and easy application form to get started right away!
New Bad Credit Auto Loans
Auto loans for new car buyers with bad credit are not a very common type of vehicle financing. Beyond the traditional option of getting approved through a dealership that works with bad credit buyers, many consumers have found that they can save money and gain negotiating leverage by arranging their car financing in advance.
Most new vehicle dealerships are able to apply rebates and incentives to reduce the need for money down. If you have negative equity in a vehicle that you're trading in, you may have to provide money down to cover the negative equity so that it's not carried over into your new loan. While buying a new car with bad credit isn't so common, there are many manufacturers that offer lower-priced new autos with attractive financing incentives to make buying easier for people with lower credit scores.
Let us help you get preapproved for that new bad credit car loan and you will become a cash buyer. This saves you time at the dealership and gives you the power to negotiate your best deal on any vehicle you choose. Apply for a new auto loan in Michigan and see how much we can save you.
Used Auto Loans
A used car loan is our most commonly requested loan. By letting us help pre-arrange your funding source, you know that you'll have the power to negotiate the best deal. Apply for a used vehicle loan and see what type of rate & term you can get from our participating lenders.
Buying a used auto will typically provide the best value. That's because the prior owners have already absorbed the biggest portion of the vehicle's depreciation and you may have the option to buy directly from a private seller, thus saving dealer fees. We can help you with an auto loan to buy from a private seller.
If you choose to purchase a used vehicle, you can click here to view the inventory of used car dealerships in Michigan.
Shopping For The Best Car Loan Rates In Michigan?
Whether you are looking for the best auto loan interest rate for a new or used vehicle, or you want to refinance an auto loan, we can help.
With a lower interest rate, you'll save money and pay off your auto loan faster. The single most important thing you can do to save money on a car loan is to shop for the best loan rate before you set foot in a dealership. By knowing what kind of rate you qualify for before you try to buy a vehicle, you accomplish three things:
- You can focus your negotiations with the dealer on the vehicle price rather than on financing terms
- You'll know what range of car payments you can qualify for
- You won't end up getting a higher cost loan than you want
Use our auto loan calculator to determine what range of payments you can expect. You can enter your balance, term, and interest rate to calculate what the payment will be. You can compare different scenarios to see how much more you can save by increasing your down payment.
Average Auto Payment Interest Rates You Can Expect
|Credit Score Range||Average APR for a New Car||Average APR for a Used Car|
|781 - 850||3.68%||4.34%|
|661 - 780||4.56%||5.97%|
|601 - 660||7.52%||10.34%|
|501 - 600||11.89%||16.14%|
|300 - 500||14.41%||19.98%|
Why Getting Preapproved For An Auto Loan Is Important
Having a preapproved car loan streamlines the buying process because you become a cash buyer and you can bypass the usual salesman's tactic of negotiating based on monthly payment. The problem with negotiating based on the monthly payment amount is that you can easily lose sight of the total cost and end up paying more in the long run.
As you negotiate your best deal, be sure to leave enough money to cover the sales tax and any additional fees. This way your total "out the door" cost does not exceed the maximum amount of your preapproved auto loan.
While you are at one of the auto dealers near you, the finance manager may try to beat the interest rate of your preapproved loan. Before accepting the dealer's replacement loan, make sure that the interest rate is lower, all of the other terms are comparable, and the final total price is less. It's good to be cautious because there is always a risk that the finance manager could juggle the numbers in the dealership's favor and you could end up spending more money than you would with your preapproved car loan.
How Does Getting Preapproved For A Vehicle Loan Work?
Dealers usually offer vehicle financing through their preferred lenders, typically at a higher interest rate than available elsewhere. Getting preapproved directly with one of our lender partners helps you to negotiate the best interest rate before you even get to the car dealership so that you can save money in the long run.
When you start your auto buying process at a dealer, the salesmen will focus on the monthly payment, which makes it easy to forget about the actual price of the vehicle. But when you show up with a preapproved loan, negotiations can be based on the price instead.
How To Get Pre-Qualified For An Vehicle Loan
When you’re applying with AllCreditCarLoans, the application process is simple and quick. You should have the following information on-hand:
- Proof of income
- Driver’s license and Social Security number
- Employment verification
This information helps our lending partners to get a clear picture of your financial status, making it easier to secure the best auto loan rates for your credit situation.
Michigan (/ˈmɪʃɪɡən/ (listen)) is a state in the Great Lakes and Midwestern regions of the United States. Its name originates from the Ojibwe word mishigamaa, meaning “large water” or “large lake”. With a population of about 10 million, Michigan is the tenth most populous of the 50 United States, with the 11th most extensive total area, and is the largest state by total area east of the Mississippi River. Its capital is Lansing, and its largest city is Detroit. Metro Detroit is among the nation’s most populous and largest metropolitan economies.
Michigan consists of two peninsulas that lie between 82°30′ to about 90°30′ west longitude, and are separated by the Straits of Mackinac. The 45th parallel north runs through the state—marked by highway signs and the Polar-Equator Trail—along a line including Mission Point Light near Traverse City, the towns of Gaylord and Alpena in the Lower Peninsula and Menominee in the Upper Peninsula. With the exception of two small areas that are drained by the Mississippi River by way of the Wisconsin River in the Upper Peninsula and by way of the Kankakee-Illinois River in the Lower Peninsula, Michigan is drained by the Great Lakes-St. Lawrence watershed and is the only state with the majority of its land thus drained.
The Great Lakes that border Michigan from east to west are Lake Erie, Lake Huron, Lake Michigan and Lake Superior. It has more public golf courses, registered boats, and lighthouses than any other state. The state is bounded on the south by the states of Ohio and Indiana, sharing land and water boundaries with both. Michigan’s western boundaries are almost entirely water boundaries, from south to north, with Illinois and Wisconsin in Lake Michigan; then a land boundary with Wisconsin and the Upper Peninsula, that is principally demarcated by the Menominee and Montreal Rivers; then water boundaries again, in Lake Superior, with Wisconsin and Minnesota to the west, capped around by the Canadian province of Ontario to the north and east.
The heavily forested Upper Peninsula is relatively mountainous in the west. The Porcupine Mountains, which are part of one of the oldest mountain chains in the world, rise to an altitude of almost 2,000 feet (610 m) above sea level and form the watershed between the streams flowing into Lake Superior and Lake Michigan. The surface on either side of this range is rugged. The state’s highest point, in the Huron Mountains northwest of Marquette, is Mount Arvon at 1,979 feet (603 m). The peninsula is as large as Connecticut, Delaware, Massachusetts, and Rhode Island combined but has fewer than 330,000 inhabitants. They are sometimes called “Yoopers” (from “U.P.’ers”), and their speech (the “Yooper dialect”) has been heavily influenced by the numerous Scandinavian and Canadian immigrants who settled the area during the lumbering and mining boom of the late 19th century.
The Lower Peninsula is shaped like a mitten and many residents hold up a hand to depict where they are from. It is 277 miles (446 km) long from north to south and 195 miles (314 km) from east to west and occupies nearly two-thirds of the state’s land area. The surface of the peninsula is generally level, broken by conical hills and glacial moraines usually not more than a few hundred feet tall. It is divided by a low water divide running north and south. The larger portion of the state is on the west of this and gradually slopes toward Lake Michigan. The highest point in the Lower Peninsula is either Briar Hill at 1,705 feet (520 m), or one of several points nearby in the vicinity of Cadillac. The lowest point is the surface of Lake Erie at 571 feet (174 m).
The geographic orientation of Michigan’s peninsulas makes for a long distance between the ends of the state. Ironwood, in the far western Upper Peninsula, lies 630 miles (1,010 kilometers) by highway from Lambertville in the Lower Peninsula’s southeastern corner. The geographic isolation of the Upper Peninsula from Michigan’s political and population centers makes the U.P. culturally and economically distinct. Occasionally U.P. residents have called for secession from Michigan and establishment as a new state to be called “Superior”.
A feature of Michigan that gives it the distinct shape of a mitten is the Thumb. This peninsula projects out into Lake Huron and the Saginaw Bay. The geography of the Thumb is mainly flat with a few rolling hills. Other peninsulas of Michigan include the Keweenaw Peninsula, making up the Copper Country region of the state. The Leelanau Peninsula lies in the Northern Lower Michigan region. See Also Michigan Regions
Numerous lakes and marshes mark both peninsulas, and the coast is much indented. Keweenaw Bay, Whitefish Bay, and the Big and Little Bays De Noc are the principal indentations on the Upper Peninsula. The Grand and Little Traverse, Thunder, and Saginaw bays indent the Lower Peninsula. Michigan has the second longest shoreline of any state—3,288 miles (5,292 km), including 1,056 miles (1,699 km) of island shoreline.
The state has numerous large islands, the principal ones being the North Manitou and South Manitou, Beaver, and Fox groups in Lake Michigan; Isle Royale and Grande Isle in Lake Superior; Marquette, Bois Blanc, and Mackinac islands in Lake Huron; and Neebish, Sugar, and Drummond islands in St. Mary’s River. Michigan has about 150 lighthouses, the most of any U.S. state. The first lighthouses in Michigan were built between 1818 and 1822. They were built to project light at night and to serve as a landmark during the day to safely guide the passenger ships and freighters traveling the Great Lakes. See Lighthouses in the United States.
The state’s rivers are generally small, short and shallow, and few are navigable. The principal ones include the Detroit River, St. Marys River, and St. Clair River which connect the Great Lakes; the Au Sable, Cheboygan, and Saginaw, which flow into Lake Huron; the Ontonagon, and Tahquamenon, which flow into Lake Superior; and the St. Joseph, Kalamazoo, Grand, Muskegon, Manistee, and Escanaba, which flow into Lake Michigan. The state has 11,037 inland lakes—totaling 1,305 square miles (3,380 km) of inland water—in addition to 38,575 square miles (99,910 km) of Great Lakes waters. No point in Michigan is more than six miles (9.7 km) from an inland lake or more than 85 miles (137 km) from one of the Great Lakes.
The state is home to several areas maintained by the National Park Service including: Isle Royale National Park, in Lake Superior, about 30 miles (48 km) southeast of Thunder Bay, Ontario. Other national protected areas in the state include: Keweenaw National Historical Park, Pictured Rocks National Lakeshore, Sleeping Bear Dunes National Lakeshore, Huron National Forest, Manistee National Forest, Hiawatha National Forest, Ottawa National Forest and Father Marquette National Memorial. The largest section of the North Country National Scenic Trail passes through Michigan.
With 78 state parks, 19 state recreation areas, and 6 state forests, Michigan has the largest state park and state forest system of any state. These parks and forests include Holland State Park, Mackinac Island State Park, Au Sable State Forest, and Mackinaw State Forest.
The United States Census Bureau estimates the population of Michigan was 9,995,915 on July 1, 2018, an increase of 1.14% from 9,883,635 recorded at the 2010 United States Census.
The center of population of Michigan is in Shiawassee County, in the southeastern corner of the civil township of Bennington, which is northwest of the village of Morrice.
As of the 2010 American Community Survey for the U.S. Census, the state had a foreign-born population of 592,212, or 6.0% of the total. Michigan has the largest Dutch, Finnish, and Macedonian populations in the United States.
The 2010 Census reported:
In the same year Hispanics or Latinos (of any race) made up 4.4% of the population.
The large majority of Michigan’s population is Caucasian. Americans of European descent live throughout Michigan and most of Metro Detroit. Large European American groups include those of German, British, Irish, Polish and Belgian ancestry. People of Scandinavian descent, and those of Finnish ancestry, have a notable presence in the Upper Peninsula. Western Michigan is known for the Dutch heritage of many residents (the highest concentration of any state), especially in Holland and metropolitan Grand Rapids.
African-Americans, who came to Detroit and other northern cities in the Great Migration of the early 20th century, form a majority of the population of the city of Detroit and of other cities, including Flint and Benton Harbor.
As of 2007 about 300,000 people in Southeastern Michigan trace their descent from the Middle East. Dearborn has a sizeable Arab community, with many Assyrian/Chaldean/Syriac, and Lebanese who immigrated for jobs in the auto industry in the 1920s along with more recent Yemenis and Iraqis.
As of 2007, almost 8,000 Hmong people lived in the State of Michigan, about double their 1999 presence in the state. As of 2007 most lived in northeastern Detroit, but they had been increasingly moving to Pontiac and Warren. By 2015 the number of Hmong in the Detroit city limits had significantly declined. Lansing hosts a statewide Hmong New Year Festival. The Hmong community also had a prominent portrayal in the 2008 film Gran Torino, which was set in Detroit.
As of 2015, 80% of Michigan’s Japanese population lived in the counties of Macomb, Oakland, Washtenaw, and Wayne in the Detroit and Ann Arbor areas. As of April 2013, the largest Japanese national population is in Novi, with 2,666 Japanese residents, and the next largest populations are respectively in Ann Arbor, West Bloomfield Township, Farmington Hills, and Battle Creek. The state has 481 Japanese employment facilities providing 35,554 local jobs. 391 of them are in Southeast Michigan, providing 20,816 jobs, and the 90 in other regions in the state provide 14,738 jobs. The Japanese Direct Investment Survey of the Consulate-General of Japan, Detroit stated over 2,208 additional Japanese residents were employed in the State of Michigan as of 1 October 2012, than in 2011. During the 1990s the Japanese population of Michigan experienced an increase, and many Japanese people with children moved to particular areas for their proximity to Japanese grocery stores and high-performing schools.
A person from Michigan is called a Michigander or Michiganian; also at times, but rarely, a “Michiganite”. Residents of the Upper Peninsula are sometimes referred to as “Yoopers” (a phonetic pronunciation of “U.P.ers”), and they sometimes refer to those from the Lower Peninsula as “trolls” because they live below the bridge (see Three Billy Goats Gruff).
As of 2011, 34.3% of Michigan’s children under the age of one belonged to racial or ethnic minority groups, meaning they had at least one parent who was not non-Hispanic white.
Note: Percentages in the table can exceed 100% as Hispanics are counted both by their ethnicity and by their race.
As of 2010, 91.11% (8,507,947) of Michigan residents age five and older spoke only English at home, while 2.93% (273,981) spoke Spanish, 1.04% (97,559) Arabic, 0.44% (41,189) German, 0.36% (33,648) Chinese (which includes Mandarin), 0.31% (28,891) French, 0.29% (27,019) Polish, and Syriac languages (such as Modern Aramaic and Northeastern Neo-Aramaic) was spoken as a main language by 0.25% (23,420) of the population over the age of five. In total, 8.89% (830,281) of Michigan’s population age 5 and older spoke a mother language other than English.
The Roman Catholic Church has six dioceses and one archdiocese in Michigan; Gaylord, Grand Rapids, Kalamazoo, Lansing, Marquette, Saginaw and Detroit. The Roman Catholic Church is the largest denomination by number of adherents, according to the Association of Religion Data Archives (ARDA) 2010 survey, with 1,717,296 adherents. The Roman Catholic Church was the only organized religion in Michigan until the 19th century, reflecting the territory’s French colonial roots. Detroit’s Saint Anne’s parish, established in 1701 by Antoine de la Mothe Cadillac, is the second-oldest Roman Catholic parish in the United States. On March 8, 1833, the Holy See formally established a diocese in the Michigan territory, which included all of Michigan, Wisconsin, Minnesota, and the Dakotas east of the Mississippi River. When Michigan became a state in 1837, the boundary of the Diocese of Detroit was redrawn to coincide with that of the State; the other dioceses were later carved out from the Diocese of Detroit but remain part of the Ecclesiastical Province of Detroit.
In 2010, the largest Protestant denominations were the United Methodist Church with 228,521 adherents; followed by the Lutheran Church–Missouri Synod with 219,618, and the Evangelical Lutheran Church in America with 120,598 adherents. The Christian Reformed Church in North America had almost 100,000 members and over 230 congregations in Michigan. The Reformed Church in America had 76,000 members and 154 congregations in the state. In the same survey, Jewish adherents in the state of Michigan were estimated at 44,382, and Muslims at 120,351. The Lutheran Church was introduced by German and Scandinavian immigrants; Lutheranism is the second largest religious denomination in the state. The first Jewish synagogue in the state was Temple Beth El, founded by twelve German Jewish families in Detroit in 1850. In West Michigan, Dutch immigrants fled from the specter of religious persecution and famine in the Netherlands around 1850 and settled in and around what is now Holland, Michigan, establishing a “colony” on American soil that fervently held onto Calvinist doctrine that established a significant presence of Reformed churches. Islam was introduced by immigrants from the Near East during the 20th century. Michigan is home to the largest mosque in North America, the Islamic Center of America in Dearborn. Battle Creek, Michigan is also the birthplace of the Seventh-day Adventist Church, which was founded on May 21, 1863.
Zip Code Map
Michigan neighborhoods include: Ada, Addison, Adrian, Afton, Alanson, Albion, Alger, Algonac, Allegan, Allen, Allendale, Allen Park, Allenton, Almont, Alpena, Alto, Ann Arbor, Armada, Athens, Atlas, Attica, Auburn Hills, Augusta, Avoca, Azalia, Bad Axe, Bailey, Bancroft, Bangor, Bannister, Bath, Battle Creek, Bay City, Bay Port, Beaver Island, Beaverton, Belding, Belleville, Bellevue, Belmont, Bentley, Benton Harbor, Berkley, Berlin, Berrien Center, Berville, Beverly Hills, Big Rapids, Bingham Farms, Birch Run, Birmingham, Bitely, Blanchard, Blissfield, Bloomfield Hills, Bloomfield Village, Bloomingdale, Boyne City, Boyne Falls, Brant, Breckenridge, Bridgeport, Brighton, Britton, Brockway, Bronson, Brooklyn, Brown City, Brownstown, Brownstown Twp, Bruce Twp, Brutus, Buckley, Burlington, Burr Oak, Burt, Burtchville, Burt Lake, Burton, Byron, Byron Center, Caledonia, Camden, Canton, Capac, Carleton, Carp Lake, Carson City, Casco, Caseville, Casnovia, Cass City, Cassopolis, Cedar, Cedar Springs, Cement City, Center Line, Ceresco, Champion, Charlevoix, Charlotte, Cheboygan, Chelsea, Chesaning, Chesterfield, China, Clarklake, Clarkston, Clarksville, Clawson, Clay, Clayton, Clifford, Climax, Clinton, Clinton Township, Clio, Clyde, Coldwater, Coleman, Coloma, Colon, Columbiaville, Columbus, Commerce Township, Comstock Park, Concord, Conklin, Constantine, Coopersville, Coral, Corunna, Cottrellville, Covert, Crystal, Crystal Falls, Dansville, Davisburg, Davison, Dearborn, Dearborn Heights, Decatur, Deerfield, Delton, Detroit, Dewitt, Dexter, Dimondale, Dorr, Dowagiac, Dowling, Dryden, Dundee, Durand, Dutton, Eagle, East China, East Grand Rapids, East Jordan, East Lansing, East Leroy, Eastpointe, Eaton Rapids, Eau Claire, Ecorse, Edmore, Edwardsburg, Elkton, Ellsworth, Elmira, Elsie, Emmett, Empire, Erie, Fair Haven, Fargo, Farmington, Farmington Hills, Fennville, Fenton, Fenwick, Ferndale, Fife Lake, Filion, Flat Rock, Flint, Flushing, Fort Gratiot, Fostoria, Fowler, Fowlerville, Frankenmuth, Franklin, Fraser, Freeland, Freeport, Fremont, Fruitport, Fulton, Gaastra, Gagetown, Gaines, Galesburg, Garden City, Genesee, Georgetown Township, Gladwin, Glen Arbor, Gobles, Goodells, Goodrich, Gowen, Grand Blanc, Grand Haven, Grand Junction, Grand Ledge, Grand Rapids, Grandville, Grant, Grant Township, Grass Lake, Grawn, Greenville, Greenwood, Gregory, Grosse Ile, Grosse Pointe, Grosse Pointe Farms, Grosse Pointe Park, Grosse Pointe Shores, Grosse Pointe Woods, Gwinn, Hamburg Twp, Hamilton, Hamtramck, Hanover, Harbor Beach, Harbor Springs, Harper Woods, Harrison Township, Harsens Island, Hart, Hartford, Hartland, Haslett, Hastings, Hawks, Hazel Park, Hemlock, Henderson, Herron, Hesperia, Hickory Corners, Highland, Highland Park, Hillman, Hillsdale, Holland, Holly, Holt, Holton, Homer, Hope, Hopkins, Horton, Howard City, Howell, Hubbard Lake, Hubbardston, Hudson, Hudsonville, Huntington Woods, Ida, Imlay City, Indian River, Inkster, Interlochen, Ionia, Ira, Iron River, Ironwood, Ishpeming, Jackson, Jasper, Jeddo, Jenison, Jerome, Jones, Jonesville, Kalamazoo, Keego Harbor, Kenockee, Kent City, Kentwood, Kimball, Kinde, Kingsley, Lachine, Laingsburg, Lake Angelus, Lake Ann, Lake Leelanau, Lake Odessa, Lake Orion, Lakeport, Lakeview, Lambertville, Lansing, Lapeer, La Salle, Lathrup Village, Lawrence, Lawton, Leland, Lennon, Lenox, Leonard, Leslie, Levering, Lincoln Park, Linden, Litchfield, Little Lake, Livonia, Lowell, Luna Pier, Lynn, Mackinaw City, Macomb, Madison Heights, Manchester, Manitou Beach, Maple City, Marcellus, Marenisco, Marine City, Marlette, Marne, Marquette, Marshall, Martin, Marysville, Mason, Mattawan, Maybee, Mayville, Mears, Melvindale, Memphis, Mendon, Merrill, Metamora, Michigamme, Michigan Center, Middleville, Midland, Milan, Milford, Millersburg, Millington, Minden City, Monroe, Montague, Montgomery, Montrose, Morenci, Morley, Morrice, Mount Clemens, Mount Morris, Mount Pleasant, Mulliken, Munith, Muskegon, Mussey, Nashville, Negaunee, Newaygo, New Baltimore, New Boston, New Buffalo, New Era, New Haven, New Hudson, New Lothrop, Newport, Niles, North Adams, North Branch, Northport, North Street, Northville, Norton Shores, Novi, Nunica, Oakland, Oakland Township, Oakley, Oak Park, Okemos, Olivet, Onaway, Onondaga, Onsted, Orchard Lake, Orion, Ortonville, Osseo, Ossineke, Otisville, Otsego, Ottawa Lake, Otter Lake, Ovid, Owendale, Owosso, Oxford, Palmyra, Paris, Parma, Paw Paw, Pellston, Pentwater, Perry, Petersburg, Petoskey, Pewamo, Pierson, Pigeon, Pinckney, Pittsford, Plainwell, Pleasant Lake, Pleasant Ridge, Plymouth, Pontiac, Portage, Port Austin, Port Hope, Port Huron, Portland, Posen, Potterville, Presque Isle, Pullman, Quincy, Ravenna, Ray, Reading, Redford, Reed City, Reese, Republic, Rhodes, Richland, Richmond, Riga, Riley, Riverdale, River Rouge, Riverview, Rives Junction, Rochester, Rochester Hills, Rock, Rockford, Rockwood, Rogers City, Romeo, Romulus, Roseville, Rothbury, Royal Oak, Ruby, Russell Island, Ruth, Saginaw, Saint Charles, Saint Clair, Saint Clair Shores, Saint Johns, Saint Joseph, Saint Louis, Saline, Sand Creek, Sand Lake, Sanford, Saugatuck, Schoolcraft, Scotts, Sebewaing, Selfridge Angb, Shelby, Shelby Township, Shelbyville, Shepherd, Sheridan, Sherwood, Sidney, Silverwood, Six Lakes, Skandia, Smiths Creek, Southfield, Southgate, South Haven, South Lyon, South Rockwood, Sparta, Spring Arbor, Springfield, Spring Lake, Springport, Spruce, Stanton, Stanwood, Sterling Heights, Stockbridge, Sumner, Sunfield, Suttons Bay, Swartz Creek, Sylvan Lake, Taylor, Tecumseh, Tekonsha, Temperance, Thompsonville, Three Rivers, Tipton, Tower, Traverse City, Trenton, Troy, Trufant, Twin Lake, Ubly, Union, Union City, Unionville, Utica, Vandalia, Vanderbilt, Vermontville, Vestaburg, Vicksburg, Wakefield, Waldron, Wales, Walker, Walkerville, Walled Lake, Warren, Washington, Waterford, Watervliet, Wayland, Wayne, Webberville, West Bloomfield, West Branch, Westland, West Olive, Westphalia, Wheeler, White Cloud, Whitehall, White Lake, White Pigeon, Whitmore Lake, Williamsburg, Williamston, Willis, Wixom, Wolverine, Wolverine Lake, Woodhaven, Woodland, Wyandotte, Wyoming, Yale, Ypsilanti, Zeeland
For more information, see Michigan wiki