Personal loans in Mason, MI
Mason ranks 109th of 533 places in Michigan, with a population near 8,153. A personal loan in Mason is priced from your credit file and income, not from the fact that the city holds 8,153 people.
Mason shed about 1.6% of its population between the 2020 base and the 2023 estimate. For a community of about 8,153, the practical step is to compare APR across at least three lenders before committing. A lender that serves Mason operates under Michigan lending statutes and a Michigan supervisor. The next larger city is Lansing, MI about 11 miles away.
What the Census records for Mason
Here is the sourced Census picture for Mason, plus the Michigan lending rules that apply to a loan taken out here.
- Population: the Census counts 8,153 residents in Mason (Vintage 2023 subcounty estimate), the 109th-largest figure among Michigan's 533 places.
- Population trend: Roughly 1.6% fewer residents than the 2020 Census counted.
- Net change: roughly 130 fewer people than the 2020 Census counted.
- Size percentile: bigger than about 80% of the places in Michigan, with 8,153 residents in Mason.
- Density: roughly 1,595 residents per square mile, spread over 5.1 sq mi of land.
- By land area: Mason ranks 96th among Michigan's 533 places, at 5.1 sq mi.
- Water area: Mason has 0.02 square miles of water, ranking 282nd of 533 places in Michigan.
- Share of state population: Mason's 8,153 residents are about 0.2% of Michigan.
- National rank: Mason is 3,642nd of 19,457 places nationwide.
- Growth rank: Mason's 2020-to-2023 change ranks 395th of 533 places in Michigan.
- State comparison: Michigan's places average -0.3% for 2020-to-2023, against Mason's 1.6%.
- Density rank: Mason places 162nd among Michigan's places by people per square mile.
- Density in context: Mason's 1,595 people per square mile sit against a Michigan median of 1,078.
- Location: the Census Gazetteer records it at 42.5807, -84.4423.
- Nearest larger cities: Lansing (11 mi); East Lansing (12 mi); Charlotte (20 mi); Jackson (23 mi); Howell (26 mi). For most borrowers the comparison happens online, not at a branch.
- Nearest smaller towns: Dansville (7 mi); Leslie (9 mi); Williamston (11 mi) — useful context for the surrounding area.
- Smaller places within 50 miles: 90 of them.
- Within 100 miles: 108 places are larger than Mason.
Borrowing reach in Mason
With about 1,595 residents per square mile, Mason is moderately settled, and 18 larger Census places sit within 50 miles. What is available to Mason's 8,153 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 Lansing, MI about 11 miles away.
Which Michigan laws govern a loan in Mason
The rows below set out what a licensed lender must follow in Michigan, and so for Mason's roughly 8,153 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 |
| 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 |
Where Mason sits
Mason's land area is about 5.1 square miles; a further 0.02 square miles is water. The resulting density is about 1,595 people per square mile. For the state's biggest city, Detroit, the distance is roughly 70 miles. Counting outward 50 miles, 18 larger communities surround Mason. Within the same 50 miles lie 90 smaller Census places.
A pre-application checklist for Mason
Before you apply in Mason, a community of about 8,153, work through these steps:
- Pull your credit reports first and correct any error before a lender sees the file.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Line up several pre-qualified offers and let the APR decide.
- Confirm the Michigan licence with the regulator named above before committing.
- Decide the purpose and how you will repay it before approaching any lender.
- If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
- Check the disclosure for fees that raise the true cost above the quoted rate.
None of these steps is Mason-specific: the same Michigan licensing and disclosure rules reach all 8,153 residents.
Where Mason sits in Michigan
Within Michigan, Mason holds roughly 0.2% of all residents, the 109th-largest share among 533 places. Its 2020-to-2023 change ranks 395th of 533 Michigan places, putting it near the 26th percentile for growth. By density, at about 1,595 people per square mile, it ranks 162nd in Michigan. Within 50 miles sit 90 smaller Census places, alongside the 18 that are larger.
Common questions
What are my options in Mason if my credit is poor?
What loan size can I expect in Mason?
Do I have to pledge anything to borrow in Mason?
Does comparing loans in Mason cost me credit score points?
Nearby places
- Leslie, MI — population 1,903
- Dansville, MI — population 516
- East Lansing, MI — population 48,528
- Lansing, MI — population 112,115
- Williamston, MI — population 3,772
- Dimondale, MI — population 1,170
- Eaton Rapids, MI — population 5,165
- Webberville, MI — population 1,289