Personal loans in Auburn Hills, MI
Lenders active in Auburn Hills report to a Michigan supervisor, identified in the sourced rows below.
Two households in Auburn Hills with comparable incomes can still be offered different rates; the city's 25,597 residents are not the reason. The Census counts 25,597 people in Auburn Hills, the 44th-largest figure among Michigan's 533 places. Census figures put the 2020-to-2023 increase in Auburn Hills at about 5.0%. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Auburn Hills loan. The nearest larger city is Pontiac, MI about 3 miles away.
Auburn Hills by the numbers
The figures below are Auburn Hills's own — Census population, land area and coordinates — followed by the Michigan rules.
- Population: 25,597 people, a figure that places Auburn Hills 44th among the 533 Census places in Michigan (US Census Bureau, Vintage 2023).
- Population trend: A gain of roughly 5.0% between 2020 and 2023.
- Change in people: the 2020-to-2023 comparison is a gain of about 1,229 residents.
- Size percentile: Auburn Hills's 25,597 people outrank roughly 92% of the places in Michigan.
- Population density: about 1,538 people per square mile (Census land area 16.6 sq mi).
- Land area: Auburn Hills covers 16.6 square miles, the 30th-largest area among Michigan's 533 places.
- Water area: Auburn Hills has 0.04 square miles of water, ranking 237th of 533 places in Michigan.
- Within Michigan: about 0.5% of the state's population lives in Auburn Hills.
- National rank: Auburn Hills sits 1,528th by population among the 19,457 places in this dataset.
- Growth rank: Auburn Hills ranks 13th among Michigan's 533 places for the 2020-to-2023 change.
- State comparison: Michigan's places average -0.3% for 2020-to-2023, against Auburn Hills's 5.0%.
- Density in Michigan: Auburn Hills ranks 169th by people per square mile.
- Density in context: Auburn Hills's 1,538 people per square mile sit against a Michigan median of 1,078.
- Location: it lies at 42.6747, -83.2436 in the Census Gazetteer.
- Nearest larger cities: Pontiac (3 mi); Rochester Hills (4 mi); Troy (8 mi); Royal Oak (12 mi); Sterling Heights (13 mi). Larger metros often have more branches, but online lenders reach Auburn Hills on the same terms.
- Nearest smaller places: Lake Angelus (4 mi); Sylvan Lake (6 mi); Rochester (6 mi).
- Smaller places within 50 miles: 121 of them.
- At 100 miles: 37 larger Census places fall inside that radius.
How Auburn Hills compares across Michigan
Within Michigan, Auburn Hills holds roughly 0.5% of all residents, the 44th-largest share among 533 places. For population change between 2020 and 2023, Auburn Hills ranks 13th of 533 in Michigan (about the 98th percentile). By density, at about 1,538 people per square mile, it ranks 169th in Michigan. In land area, Auburn Hills ranks 30th among Michigan's 533 places.
Lender access in Auburn Hills
With about 1,538 residents per square mile, Auburn Hills is moderately settled, and 29 larger Census places sit within 50 miles. Whether Auburn Hills has a local branch or not, a Michigan-licensed lender can serve its 25,597 people online on the same terms. The nearest larger city, Pontiac, MI about 3 miles away.
The geography behind Auburn Hills
The Census Gazetteer records 16.6 square miles of land and 0.04 square miles of water within Auburn Hills. That land carries about 1,538 people per square mile. For the state's biggest city, Detroit, the distance is roughly 21 miles. Within 50 miles of Auburn Hills there are 29 larger Census places. By land area it ranks 30th of 533 Michigan places.
What Michigan law requires in Auburn Hills
Michigan has no separate rate rule for Auburn Hills; the sourced rows below are what reach every lender that serves its 25,597 people.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Michigan Department of Insurance and Financial Services (DIFS) Source says: ""Department" means the department of insurance and financial services" | Michigan Legislature as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | 7% per annum maximum by written agreement; 5% legal rate (MCL 438.31) Source says: "it shall be lawful for the parties to stipulate in writing for the payment of any rate of interest, not exceeding 7% per annum" | Michigan Legislature as of 2026-09-16 |
| Payday lending status | Legal and licensed — deferred presentment service transactions (2005 PA 244; MCL 487.2121 et seq.), licensed and regulated by DIFS Source says: "AN ACT to regulate the business of providing deferred presentment service transactions; to require the licensing of providers of deferred presentment service transactions" | Michigan Legislature as of 2026-09-16 |
The Auburn Hills borrowing checklist
Before you hand your details to a lender in Auburn Hills, where the population is near 25,597:
- Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
- Make sure the lender appears in the Michigan regulator's licence list.
- Write down the purpose of the loan and your repayment plan before you apply.
- When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
- Look for an origination fee or prepayment penalty in the written disclosure.
None of these steps is Auburn Hills-specific: the same Michigan licensing and disclosure rules reach all 25,597 residents.
Common questions
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Nearby places
- Pontiac, MI — population 61,689
- Lake Angelus, MI — population 288
- Rochester Hills, MI — population 76,002
- Bloomfield Hills, MI — population 4,377
- Sylvan Lake, MI — population 1,702
- Lake Orion, MI — population 2,832
- Keego Harbor, MI — population 2,729
- Rochester, MI — population 12,779