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Cash Giant 9 in Southfield, MI
Cash Giant 9 is a payday loan provider in Southfield, Michigan offering small fast loans from $100–$2,500 with same-day or next-day funding.
Data compiled from public sources · Rating from CreditDoc methodology
Cash Giant 9 Review
Cash Giant 9 operates as a payday loan storefront located in Southfield, Michigan, serving residents needing immediate access to cash. The company is listed under the emergency-cash category and positions itself as a quick alternative to traditional bank loans for unexpected expenses or short-term financial gaps.
The company offers small personal loans ranging from $100 to $2,500, with loan amounts clearly displayed on their online application form. They advertise a simple online application process and claim 24/7 accessibility for customer inquiries. Their business model is standard payday lending: quick approval, fast funding, and short repayment terms typical of the industry.
Cash Giant 9 distinguishes itself through positive customer testimonials citing friendly service and ease of borrowing ("like borrowing a few bucks from an uncle"). The company operates extended hours including Saturday service (10 AM–2 PM), making physical location access more convenient than many competitors. They emphasize data security and responsive customer support with a commitment to reply within 1–2 business days.
However, as a payday lender, Cash Giant 9 operates in a regulatory space where loans carry high interest rates and short repayment periods typical of the industry. While the website does not disclose specific APR rates or fee structures, payday loans are inherently expensive credit products. The company's value proposition is speed and accessibility for emergency situations, not affordability. Borrowers should be aware this is a high-cost lending option best used only for true short-term emergencies.
Services & Features
24/7 customer accessibility
Customer support via email
Extended service hours including Saturday appointments
In-person loan applications at physical storefront
Loan amounts customizable from $100 to $1,000+ ranges
Online loan application
Payday loans
Same-day or next-day loan funding
Small-dollar loans ($100–$2,500)
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Small loan amounts available starting at $100, accessible to those needing modest emergency cash
- Fast online application process advertised as simple and straightforward
- Extended service hours including Saturday morning appointments (10 AM–2 PM)
- Positive customer reviews highlighting friendly staff and ease of borrowing experience
- 24/7 customer accessibility and responsive support commitment (1–2 business day reply time)
- Physical storefront location in Southfield allows in-person applications and service
- Loan amounts up to $2,500 available for slightly larger emergency needs
Cons
- Website does not disclose APR rates, fees, or repayment terms—critical information is missing
- As a payday lender, inherently carries high interest rates and fees typical of the industry
- Only 6 customer reviews listed, limiting ability to assess consistency and broader customer experience
- No information on alternative products, hardship programs, or resources if borrower cannot repay
- Physical location limited to single Southfield storefront, restricting access for non-local applicants
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.2
Transparency 2.0
Ease of Use 3.9
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Frequently Asked Questions
Is Cash Giant 9 legitimate?
Yes. Cash Giant 9 is a registered company, headquartered in 19771 W 12 Mile Rd, Southfield, MI 48076.
Quick Facts
- Headquarters
- 19771 W 12 Mile Rd, Southfield, MI 48076
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on Cash Giant 9
Cash Giant 9 is best for Southfield, Michigan residents facing genuine short-term cash emergencies who can access their physical location and need funds quickly. The primary caveat is that this is a high-cost payday lending product; the website provides no transparency on APR or fees, and borrowers should only use this option as a last resort for true emergencies with a concrete repayment plan.
Best For
- Southfield-area residents experiencing genuine short-term cash emergencies requiring funds within 24 hours
- Borrowers who prefer in-person service and want to speak with loan officers before applying
- Individuals locked out of traditional bank loans due to credit issues but needing immediate small-dollar cash
Updated 2026-04-29
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Read guide →Financial Terms Explained (10 terms)
New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
Interest & Rates
APR — Annual Percentage Rate
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Why it matters
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
Compound Interest
Interest calculated on both the original amount borrowed AND the interest that's already been added. It's 'interest on interest' — and it makes debt grow faster than you'd expect.
Why it matters
Credit cards and many loans use compound interest. If you only make minimum payments, compound interest is why a $3,000 balance can take 15 years to pay off.
Example
You owe $1,000 at 20% annual interest compounded monthly. After month 1 you owe $1,016.67. Month 2, interest is charged on $1,016.67 (not $1,000), so you owe $1,033.61. After 1 year without payments: $1,219.
MAPR — Military Annual Percentage Rate
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
Why it matters
The Military Lending Act protects active-duty servicemembers and their families from predatory lending. Any lender charging above 36% MAPR to military is breaking federal law.
Example
A payday lender charges a $15 fee per $100 borrowed for 2 weeks. For civilians, that's technically legal in some states. For military: that works out to 391% MAPR — illegal under the MLA.
Usury Rate — Usury Rate (Interest Rate Cap)
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Why it matters
Usury laws are your main legal protection against predatory interest rates. But beware: some states have weak or no usury caps, and federal banks can sometimes override state limits.
Example
New York caps interest at 16% for most consumer loans (25% is criminal usury). If a lender tries to charge you 30% in NY, that loan is unenforceable — you could fight it in court.
How Loans Work
Collateral — Loan Collateral
An asset you pledge to the lender as security for a loan. If you stop paying, the lender can seize and sell that asset to recover their money.
Why it matters
Secured loans (with collateral) have lower interest rates because the lender has less risk. But you could lose your home, car, or savings if you default.
Example
A mortgage uses your house as collateral. A car loan uses your vehicle. A title loan uses your car title. If you miss payments, the lender can foreclose or repossess.
Fees & Costs
Late Fee — Late Payment Fee
A charge added to your account when you miss a payment deadline. Most credit cards charge $29-$41 per late payment, and many loans have similar penalties.
Why it matters
The fee itself hurts, but the real damage is to your credit score. A payment 30+ days late stays on your credit report for 7 years and can drop your score 60-110 points.
Example
Your credit card payment of $150 is due March 1. You pay on March 18. The bank charges a $39 late fee. If it's 30+ days late, it gets reported to credit bureaus and your 760 score drops to 670.
NSF Fee — Non-Sufficient Funds Fee
A fee your bank charges when a payment bounces because there isn't enough money in your account. Also called a 'bounced check fee' or 'returned payment fee.'
Why it matters
NSF fees hit you twice — your bank charges you AND the company you were trying to pay may charge their own returned payment fee. That's $50-70 for one missed payment.
Example
Your auto-pay tries to pull $350 for rent, but you only have $280 in checking. Your bank charges $35 NSF fee. Your landlord charges $25 returned payment fee. Total damage: $60 in fees.
Legal Terms
Usury — Usury (Illegal Interest)
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
Why it matters
If a lender charges usurious rates, the loan may be void, penalties can be reduced, or you may be entitled to damages. Know your state's limits.
Example
Your state caps consumer loans at 24% APR. An online lender charges you 36%. That loan may be unenforceable, and you might only need to repay the principal — no interest or fees.
Credit Cards
Cash Advance — Credit Card Cash Advance
Using your credit card to get cash from an ATM or bank. It's one of the most expensive ways to borrow — higher interest rate, immediate interest accrual (no grace period), and an upfront fee.
Why it matters
Cash advances are a debt trap: 25-30% APR with no grace period plus a 3-5% fee. Interest starts the second you withdraw, not at the end of the billing cycle.
Example
You take a $500 cash advance. Fee: $25 (5%). Interest: 28% APR starting immediately. After 30 days, you owe $536.67. After 6 months of minimum payments, you've paid $85 in interest on $500.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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