Personal loans in Fenton, MI
Census figures put the 2020-to-2023 decrease in Fenton at about 1.5%. A personal loan in Fenton is priced from your credit file and income, not from the fact that the city holds 11,863 people.
Fenton is home to roughly 11,863 people and stands 79th by size out of 533 Census places in Michigan. The nearest larger city is Burton, MI about 15 miles away. State law, not city hall, decides what a lender may do to Fenton's roughly 11,863 residents, and a state regulator supervises it. Compare APR, not the interest rate, because the APR folds in most fees on a Fenton loan.
Local context for Fenton
The figures below are Fenton's own — Census population, land area and coordinates — followed by the Michigan rules.
- Population: the Census counts 11,863 residents in Fenton (Vintage 2023 subcounty estimate), the 79th-largest figure among Michigan's 533 places.
- Population trend: A drop of about 1.5% from 2020 to 2023.
- Change in people: the 2020-to-2023 comparison is a loss of about 181 residents.
- Size percentile: roughly 85% of Michigan places rank below Fenton.
- Population density: about 1,784 people per square mile (Census land area 6.7 sq mi).
- Land area rank: Fenton's 6.7 square miles rank 67th of 533 places in Michigan.
- Water area rank: Fenton ranks 81st among Michigan's 533 places, with 0.32 sq mi.
- Share of state population: Fenton's 11,863 residents are about 0.2% of Michigan.
- National rank: Fenton sits 2,795th by population among the 19,457 places in this dataset.
- Growth rank: Fenton ranks 386th among Michigan's 533 places for the 2020-to-2023 change.
- Against the state trend: Fenton's 1.5% change compares with a Michigan average of -0.3% across its 533 places.
- Density in Michigan: Fenton ranks 146th by people per square mile.
- Density vs Michigan: Fenton's 1,784 people per square mile compare with a state median of 1,078.
- Location: 42.8006, -83.7177 (US Census Bureau Gazetteer).
- Nearest larger cities: Burton (15 mi); Flint (16 mi); Wixom (21 mi); South Lyon (24 mi); Pontiac (24 mi). Larger metros often have more branches, but online lenders reach Fenton on the same terms.
- Smaller places close by: Linden (3 mi); Holly (5 mi); Grand Blanc (10 mi).
- Within a 50-mile radius: 102 smaller Census places.
- Larger places within 100 miles: 72.
Which Michigan laws govern a loan in Fenton
Every row below records a Michigan rule, its publisher and its retrieval date — the same rules a Fenton lender must follow.
| 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 |
| Small-loan / installment lender licensing | License required from the commissioner to make regulated loans (Regulatory Loan Act, MCL 493.1 et seq.) Source says: "a person shall not engage in the business of making loans of money ... without first obtaining a license from the commissioner" | Michigan Legislature as of 2026-09-16 |
| Regulated lender interest/finance charge cap | 25% 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 |
Borrowing reach in Fenton
With about 1,784 residents per square mile, Fenton is moderately settled, and 50 larger Census places sit within 50 miles. Distance to a branch rarely matters for Fenton's 11,863 residents: the application is online and the price follows your credit file. The nearest larger city, Burton, MI about 15 miles away.
Fenton on the map
Inside Fenton's boundaries lie roughly 6.7 square miles of land and 0.32 square miles of water. With 11,863 residents, the land area yields roughly 1,784 people per square mile. Detroit, the largest place in Michigan, is about 43 miles from Fenton. Within 50 miles of Fenton there are 50 larger Census places. By land area it ranks 67th of 533 Michigan places.
Before you apply in Fenton
These steps shape the offer you get in Fenton, a place of about 11,863 people:
- Start with the credit file: order the reports, fix the errors, then apply.
- Use the loan calculator to test the payment on your intended amount and term.
- Line up several pre-qualified offers and let the APR decide.
- Verify the lender's Michigan licence with the regulator listed on this page.
- Check that the monthly payment fits your budget next to your existing obligations.
- Choose a term you can live with; stretching it lowers the payment but raises total interest.
- Keep the amount to the expense; an approval is not a reason to take more.
The process is identical across Michigan; what changes is your credit file, not the fact that Fenton holds 11,863 people.
Fenton in state context
Fenton is the 79th-largest of 533 Census places in Michigan and contains about 0.2% of the state's people. Its 2020-to-2023 change ranks 386th of 533 Michigan places, putting it near the 28th percentile for growth. At about 1,784 people per square mile, Fenton is the 146th most densely settled place in Michigan. Between 2020 and 2023 the count changed by roughly 181 residents.
Common questions
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Nearby places
- Linden, MI — population 4,160
- Holly, MI — population 5,938
- Grand Blanc, MI — population 7,925
- Swartz Creek, MI — population 5,840
- Gaines, MI — population 374
- Burton, MI — population 29,376
- Flint, MI — population 79,661
- Goodrich, MI — population 2,019