Personal loans in Harrisville, MI

By population, Harrisville sits at 451st in Michigan, with an estimated 448 residents. A 2020-to-2023 comparison shows Harrisville up by about 2.5%.

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

Compare loan offers Run the numbers first

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.

The roughly 448 people who live in Harrisville borrow under Michigan rules; city hall sets no personal-loan rate. Every figure below is Michigan's own, applied to Harrisville's 448 residents, with the publisher and retrieval date attached. Read the disclosure for an origination fee and any prepayment penalty before signing in Harrisville. The nearest larger metro is East Tawas, MI about 27 miles away.

Harrisville by the numbers

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

Population: about 448, ranked 451st of 533 places in Michigan (Census Vintage 2023 subcounty estimate).
Population trend: About 2.5% above the 2020 Census base.
Net change: roughly 11 more people than the 2020 Census counted.
Size percentile: Harrisville's 448 people outrank roughly 15% of the places in Michigan.
Density: the Census land area of 0.6 sq mi holds about 709 people per square mile.
Land area: Harrisville covers 0.6 square miles, the 501st-largest area among Michigan's 533 places.
Share of Michigan: Harrisville holds about 0.0% of the state's population, some 448 people.
National rank: Harrisville is the 13,616th most populous of the 19,457 Census places covered here.
Growth rank: Harrisville's 2020-to-2023 change ranks 45th of 533 places in Michigan.
State comparison: Michigan's places average -0.3% for 2020-to-2023, against Harrisville's 2.5%.
Density rank: Harrisville is the 376th most densely settled place in Michigan.
Density vs Michigan: Harrisville's 709 people per square mile compare with a state median of 1,078.
Location: mapped by the US Census Bureau at 44.6575, -83.2946.
Nearest larger cities: East Tawas (27 mi); Tawas City (29 mi); Alpena (30 mi); Hillman (41 mi); Rose City (44 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
Nearest smaller towns: Lincoln (6 mi); Whittemore (39 mi); Turner (43 mi) — useful context for the surrounding area.
Smaller places within 50 miles: 6 of them.
Larger places within 100 miles: 66.

What a Harrisville borrower is actually offered

With roughly 448 residents, Harrisville is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Harrisville lender to disclose the APR and finance charge before you sign. The term you choose in Harrisville decides the split between a comfortable payment and the total interest you pay.

Harrisville's place among Michigan's 533 places

Among Michigan's 533 places, Harrisville sits at 451st for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 45th of 533 Michigan places, putting it near the 92th percentile for growth. By density, at about 709 people per square mile, it ranks 376th in Michigan. In land area, Harrisville ranks 501st among Michigan's 533 places.

How Michigan law applies in Harrisville

This table holds the Michigan rate and licensing rules for consumer loans made to Harrisville's 448 residents.

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

Borrowing reach in Harrisville

Harrisville is moderately settled, with about 709 people per square mile and 8 larger places within 50 miles. What is available to Harrisville's 448 borrowers is set by Michigan licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is East Tawas, MI about 27 miles away.

The Harrisville borrowing checklist

These steps shape the offer you get in Harrisville, a place of about 448 people:

Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
Use the loan calculator to test the payment on your intended amount and term.
Get several pre-qualifications and compare APR side by side before choosing.
Check the Michigan regulator's records to confirm the lender is licensed here.
Weigh a shorter term's higher payment against the interest it saves.
Do not borrow more than the expense calls for, even if a lender approves a larger amount.
Decide the purpose and how you will repay it before approaching any lender.

None of these steps is Harrisville-specific: the same Michigan licensing and disclosure rules reach all 448 residents.

Compare personal loan offers Run the numbers first

Common questions

What are my options in Harrisville 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 Harrisville is the same as anywhere in Michigan.

What loan size can I expect in Harrisville?

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 Harrisville?

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 Harrisville 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

Lincoln, MI — population 298
East Tawas, MI — population 2,680
Alpena, MI — population 10,130
Tawas City, MI — population 1,843
Whittemore, MI — population 418
Port Austin, MI — population 655
Turner, MI — population 120
Caseville, MI — population 644