Personal loans in Benzonia, MI

A single loan can carry different costs on either side of a state line, and Benzonia sits on the Michigan side of that line. Roughly 558 residents live in Benzonia, the 420th-largest community in Michigan. Use the calculator on this page to price an amount and term before you commit in Benzonia. The trend for Benzonia between 2020 and 2023 is upward by roughly 2.2%. The closest larger place is Frankfort, MI about 7 miles away.

Benzonia: population, trend and location

The figures below are Benzonia's own — Census population, land area and coordinates — followed by the Michigan rules.

• Population: the Census counts 558 residents in Benzonia (Vintage 2023 subcounty estimate), the 420th-largest figure among Michigan's 533 places.
• Population trend: About 2.2% above the 2020 Census base.
• Absolute change: 12 residents added between 2020 and 2023.
• Size percentile: Benzonia's 558 people outrank roughly 21% of the places in Michigan.
• Population density: about 493 people per square mile across 1.1 square miles of land (Census Gazetteer area, Vintage 2023 population).
• By land area: Benzonia ranks 354th among Michigan's 533 places, at 1.1 sq mi.
• Within Michigan: about 0.0% of the state's population lives in Benzonia.
• National rank: Benzonia is the 12,711th most populous of the 19,457 Census places covered here.
• Growth in Michigan: Benzonia stands 57th by percentage change from 2020 to 2023, among 533 places.
• State comparison: Michigan's places average -0.3% for 2020-to-2023, against Benzonia's 2.2%.
• Density rank: Benzonia places 444th among Michigan's places by people per square mile.
• Density vs Michigan: Benzonia's 493 people per square mile compare with a state median of 1,078.
• Location: 44.6161, -86.0989 (Census Gazetteer coordinates).
• Nearest larger cities: Frankfort (7 mi); Buckley (22 mi); Traverse City (26 mi); Manistee (28 mi); Kingsley (28 mi). Lenders licensed in the state serve Benzonia whether or not they keep a local branch.
• Nearest smaller towns: Beulah (1 mi); Honor (5 mi); Elberta (7 mi) — useful context for the surrounding area.
• Smaller neighbours: 20 places smaller than Benzonia sit within 50 miles.
• At 100 miles: 94 larger Census places fall inside that radius.

What shapes a Benzonia personal loan

Most loans made to Benzonia's 558 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Federal Truth in Lending rules require a Benzonia lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Benzonia loan but raises total interest, so the smallest payment is not the cheapest loan.

A pre-application checklist for Benzonia

Before you apply in Benzonia, a community of about 558, work through these steps:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Verify the lender's Michigan licence with the regulator listed on this page.
5. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
6. Look for an origination fee or prepayment penalty in the written disclosure.
7. Test the payment against your current bills before you commit.

The process is identical across Michigan; what changes is your credit file, not the fact that Benzonia holds 558 people.

How Benzonia compares across Michigan

Benzonia is the 420th-largest of 533 Census places in Michigan and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Benzonia stands 57th among Michigan's 533 places — roughly the 89th percentile. By density, at about 493 people per square mile, it ranks 444th in Michigan. Between 2020 and 2023 the count changed by roughly 12 residents.

The geography behind Benzonia

Benzonia's land area is roughly 1.1 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 493 people per square mile. The state's population centre of gravity, Detroit, is roughly 215 miles away. A 50-mile radius around Benzonia takes in 13 places that are larger. By land area it ranks 354th of 533 Michigan places.

How Michigan law applies in Benzonia

Every row below records a Michigan rule, its publisher and its retrieval date — the same rules a Benzonia lender must follow.