Personal loans in Coldwater, MI

Roughly 14,439 residents live in Coldwater, the 68th-largest community in Michigan. The next larger city is Battle Creek, MI about 27 miles away. For the 14,439 people in Coldwater, Michigan runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Read the disclosure for an origination fee and any prepayment penalty before signing in Coldwater.

Coldwater by the numbers

Coldwater is a small town; the notes below cover its population profile and the statewide rules that apply.

• Population: 14,439 people, a figure that places Coldwater 68th among the 533 Census places in Michigan (US Census Bureau, Vintage 2023).
• Population trend: Higher by roughly 4.4% since the 2020 count.
• Absolute change: 612 residents added between 2020 and 2023.
• Size percentile: bigger than about 87% of the places in Michigan, with 14,439 residents in Coldwater.
• Population density: about 1,532 people per square mile (Census land area 9.4 sq mi).
• Land area rank: Coldwater's 9.4 square miles rank 44th of 533 places in Michigan.
• Water: Coldwater holds about 0.34 square miles, the 75th-largest water area in Michigan.
• State population share: Coldwater accounts for about 0.3% of everyone in Michigan.
• National rank: Coldwater sits 2,427th by population among the 19,457 places in this dataset.
• Growth in Michigan: Coldwater stands 17th by percentage change from 2020 to 2023, among 533 places.
• State comparison: Michigan's places average -0.3% for 2020-to-2023, against Coldwater's 4.4%.
• Density rank: Coldwater is the 172nd most densely settled place in Michigan.
• Density in context: Coldwater's 1,532 people per square mile sit against a Michigan median of 1,078.
• Location: 41.9460, -84.9993 (Census Gazetteer coordinates).
• Nearest larger cities: Battle Creek (27 mi); Portage (35 mi); Jackson (37 mi); Kalamazoo (38 mi); Adrian (49 mi). Lenders licensed in the state serve Coldwater whether or not they keep a local branch.
• Smaller towns nearby: Quincy (6 mi); Tekonsha (10 mi); Bronson (11 mi).
• Smaller neighbours: 101 places smaller than Coldwater sit within 50 miles.
• At 100 miles: 55 larger Census places fall inside that radius.

How personal loans work in Coldwater

With roughly 14,439 residents, Coldwater is a small town; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Coldwater's 14,439 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Coldwater loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Michigan rules behind a Coldwater personal loan

This table holds the Michigan rate and licensing rules for consumer loans made to Coldwater's 14,439 residents.

Where Coldwater sits

Inside Coldwater's boundaries lie roughly 9.4 square miles of land and 0.34 square miles of water. The resulting density is about 1,532 people per square mile. The state's population centre of gravity, Detroit, is roughly 102 miles away. Within 50 miles of Coldwater there are 6 larger Census places. Within the same 50 miles lie 101 smaller Census places.

Coldwater in state context

Against Michigan's other places, Coldwater accounts for about 0.3% of the state's population and ranks 68th of 533 by size. For population change between 2020 and 2023, Coldwater ranks 17th of 533 in Michigan (about the 97th percentile). Its roughly 1,532 residents per square mile place it 172nd among Michigan's places. The population moved by about 612 people between 2020 and 2023, a 4.4% shift.

Getting a loan in Coldwater

At roughly 1,532 people per square mile, Coldwater is moderately settled; 6 larger places lie within 50 miles. A Michigan licence lets a lender serve Coldwater without a local office, so branch density does not change what its 14,439 residents are offered. For a larger market, the closest option is Battle Creek, MI about 27 miles away.