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MI · SERVICE-AGMT · Updated July 2026 · Free

Michigan Service Agreement

Review Status: PendingAuthor: Editorial TeamMethodology: Statutory Verification

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Michigan at a glance: Default Interest: 5% per year (MCL § 438.31) · Maximum Written: 7% per year (exemptions for B2B) · Governing Law: Michigan Compiled Laws Chapter 438

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Overview

Service Agreements in Michigan

Michigan service agreements are governed by Title 438 of the Michigan Compiled Laws. Late fees must comply with the statutory limit of 5% unless written (MCL § 438.31).
Key Facts

Michigan Service Agreement — Quick Reference

RequirementMichigan Rule
Default Interest5% per year (MCL § 438.31)
Maximum Written7% per year (exemptions for B2B)
Governing LawMichigan Compiled Laws Chapter 438
Legal Requirements

Michigan Legal Requirements

  • Late fees exceeding 5% per year must be in writing to be enforceable.
Governing Laws

Michigan Governing Laws

MCL § 438.31
Legal Rate of Interest
Establishes contract interest and usury limits.

Read the full text of these laws at Cornell Law School's Michigan legal resources or your state legislature's official website.

Questions & Answers

Michigan Service Agreement — Frequently Asked Questions

Are B2B agreements exempt from Michigan's 7% interest cap?

Yes, commercial entities can agree in writing to any interest rate.