Personal loans in Clarksville, MI
For a borrower among the roughly 399 residents of Clarksville, a personal loan is a tool whose cost turns on the terms, not the address. Clarksville is one of 533 Census places in Michigan; its 399 residents put it at 463rd.
Population in Clarksville climbed about 0.3% over the three years from 2020 to 2023. Begin with the payment, then weigh APR and total interest across the lenders that reach Clarksville's 399 residents. The next larger city is Saranac, MI about 6 miles away. A single loan can carry different costs on either side of a state line, and Clarksville sits on the Michigan side of that line.
Clarksville: population, trend and location
What follows is Clarksville's place in the Census record, alongside the Michigan rules that govern a personal loan made here.
- Population: a Census-estimated 399, 463rd among Michigan's 533 places (Vintage 2023).
- Population trend: Growth of about 0.3% across the 2020-to-2023 comparison.
- People gained or lost: about 1 more since the 2020 base.
- Size percentile: roughly 13% of Michigan's places have fewer residents than Clarksville's 399.
- Population density: 792 people per square mile on 0.5 square miles of land.
- Land area rank: Clarksville's 0.5 square miles rank 511th of 533 places in Michigan.
- Share of Michigan: Clarksville holds about 0.0% of the state's population, some 399 people.
- National rank: Clarksville is 14,107th of 19,457 places nationwide.
- Growth in Michigan: Clarksville stands 184th by percentage change from 2020 to 2023, among 533 places.
- Against the state trend: Clarksville's 0.3% change compares with a Michigan average of -0.3% across its 533 places.
- Density rank: Clarksville places 349th among Michigan's places by people per square mile.
- Density vs Michigan: Clarksville's 792 people per square mile compare with a state median of 1,078.
- Location: coordinates 42.8421, -85.2425 (US Census Bureau Gazetteer).
- Nearest larger cities: Saranac (6 mi); Freeport (7 mi); Lake Odessa (7 mi); Lowell (8 mi); Woodland (10 mi). A branch is convenient; it is not what sets your APR.
- Smaller communities within reach: Eagle (23 mi); Hubbardston (27 mi); Pierson (35 mi).
- Smaller neighbours: 6 places smaller than Clarksville sit within 50 miles.
- At 100 miles: 304 larger Census places fall inside that radius.
Land, water and location for Clarksville
The Census Gazetteer records about 0.5 square miles of land within Clarksville, with no significant water area listed. With 399 residents, the land area yields roughly 792 people per square mile. The state's population centre of gravity, Detroit, is roughly 113 miles away. A 50-mile radius around Clarksville takes in 88 places that are larger. By land area it ranks 511th of 533 Michigan places.
Michigan consumer-lending rules applied in Clarksville
Below are the Michigan rules that apply to a loan made in Clarksville, each with the regulator that issued it.
| 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 |
What is available to Clarksville borrowers
Clarksville is moderately settled, with about 792 people per square mile and 88 larger places within 50 miles. A Michigan licence lets a lender serve Clarksville without a local office, so branch density does not change what its 399 residents are offered. The nearest bigger place is Saranac, MI about 6 miles away.
What shapes a Clarksville personal loan
Clarksville is a small community of about 399 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Clarksville's rank of 463rd in Michigan: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Clarksville loan is knowable in advance — unlike a revolving card balance.
Clarksville's place among Michigan's 533 places
Set beside Michigan's 533 places, Clarksville ranks 463rd by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Clarksville stands 184th among Michigan's 533 places — roughly the 65th percentile. By density, at about 792 people per square mile, it ranks 349th in Michigan. Between 2020 and 2023 the count changed by roughly 1 residents.
Common questions
What are my options in Clarksville if my credit is poor?
What loan size can I expect in Clarksville?
Do I have to pledge anything to borrow in Clarksville?
Does comparing loans in Clarksville cost me credit score points?
Nearby places
- Saranac, MI — population 1,381
- Freeport, MI — population 550
- Lake Odessa, MI — population 2,065
- Lowell, MI — population 4,103
- Woodland, MI — population 424
- Hastings, MI — population 7,512
- Ionia, MI — population 12,249
- Belding, MI — population 5,972