Personal loans in Centreville, MI

Centreville, Michigan — home to about 1,321 people — is a small community, so the terms you are offered follow Michigan law rather than any local rule. Rate ceilings, licensing requirements and product limits for Centreville are all set at the Michigan level. An estimated 1,321 people make their home in Centreville, a figure that ranks 318th in Michigan. If debt is already a strain, a nonprofit credit counsellor can help Centreville residents before they take on more. Centreville lost roughly 0.2% of its population across the 2020-to-2023 comparison. The nearest larger metro is Three Rivers, MI about 6 miles away.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Centreville: population, trend and location

Only a few things actually differ by place — population, area, location, and the Michigan rules a lender must follow — and they are below.

What shapes a Centreville personal loan

With roughly 1,321 residents, Centreville is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Centreville's 1,321 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Centreville loan is knowable in advance — unlike a revolving card balance.

The geography behind Centreville

Centreville covers about 1.4 square miles of land, with 0.01 square miles of water inside its boundaries (Census Gazetteer). The resulting density is about 916 people per square mile. The largest place in Michigan, Detroit, lies about 128 miles away. Within 50 miles of Centreville there are 67 larger Census places. Within the same 50 miles lie 44 smaller Census places.

How lenders reach Centreville

Centreville is moderately settled, with about 916 people per square mile and 67 larger places within 50 miles. Distance to a branch rarely matters for Centreville's 1,321 residents: the application is online and the price follows your credit file. The nearest bigger place is Three Rivers, MI about 6 miles away.

Which Michigan laws govern a loan in Centreville

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

RuleDetailSource
State lending regulatorMichigan 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
Regulated lender interest/finance charge cap25% per annum (Credit Reform Act, MCL 445.1854(1))
Source says: "may charge, collect, and receive any rate of interest or finance charge for an extension of credit not to exceed 25% per annum"
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

How Centreville compares across Michigan

Set beside Michigan's 533 places, Centreville ranks 318th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Centreville ranks 238th of 533 in Michigan (about the 55th percentile). At about 916 people per square mile, Centreville is the 311th most densely settled place in Michigan. Between 2020 and 2023 the count changed by roughly 3 residents.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Centreville if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Centreville is the same as anywhere in Michigan.
What loan size can I expect in Centreville?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Centreville?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Centreville cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

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