Personal loans in Michiana, MI
With 214 residents, Michiana outranks about 4% of the communities in Michigan. Two households in Michiana with comparable incomes can still be offered different rates; the city's 214 residents are not the reason.
Michiana shed about 1.4% of its population between the 2020 base and the 2023 estimate. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Michiana loan. Which products a lender may offer to Michiana's 214 residents follows from the Michigan consumer-lending framework. The closest larger place is Michiana Shores, IN about 1 miles away.
Michiana: population, trend and location
Here is the sourced Census picture for Michiana, plus the Michigan lending rules that apply to a loan taken out here.
- Population: 214 — Michiana ranks 513th of 533 communities in Michigan (US Census Bureau, Vintage 2023).
- Population trend: Lower by roughly 1.4% since the 2020 count.
- Change in people: the 2020-to-2023 comparison is a loss of about 3 residents.
- Size percentile: roughly 4% of Michigan's places have fewer residents than Michiana's 214.
- Land and density: 0.4 square miles of land carry roughly 586 residents per square mile.
- Land area: Michiana covers 0.4 square miles, the 524th-largest area among Michigan's 533 places.
- Share of state population: Michiana's 214 residents are about 0.0% of Michigan.
- National rank: Michiana sits 16,267th by population among the 19,457 places in this dataset.
- Growth rank: Michiana ranks 366th among Michigan's 533 places for the 2020-to-2023 change.
- Versus Michigan: the state average change is -0.3%, while Michiana moved 1.4%.
- Density rank: Michiana is the 420th most densely settled place in Michigan.
- Density in context: Michiana's 586 people per square mile sit against a Michigan median of 1,078.
- Location: coordinates 41.7637, -86.8111 (US Census Bureau Gazetteer).
- Nearest larger cities: Michiana Shores (1 mi); Grand Beach (1 mi); Long Beach (2 mi); New Buffalo (4 mi); Pottawattamie Park (4 mi). Online lenders reach Michiana no matter how far the nearest branch is.
- Smaller communities close by: Kingsbury (17 mi); Indian Village (30 mi); Monterey (45 mi), each with its own Census population profile.
- Within a 50-mile radius: 3 smaller Census places.
- Within 100 miles: 597 places are larger than Michiana.
How Michiana compares across Michigan
Michiana is the 513th-largest of 533 Census places in Michigan and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 366th of 533 Michigan places, putting it near the 31th percentile for growth. At about 586 people per square mile, Michiana is the 420th most densely settled place in Michigan. Within 50 miles sit 3 smaller Census places, alongside the 130 that are larger.
The state rulebook for Michiana
Every row below records a Michigan rule, its publisher and its retrieval date — the same rules a Michiana 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 |
| 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 |
| 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 |
Where Michiana sits
Michiana's land area is roughly 0.4 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 586 residents per square mile. The largest place in Michigan, Detroit, lies about 195 miles away. Within 50 miles of Michiana there are 130 larger Census places. The 100-mile radius contains 597 larger places.
Lender access in Michiana
Michiana is a moderately settled community of about 214 people, with 130 larger places inside a 50-mile radius. Distance to a branch rarely matters for Michiana's 214 residents: the application is online and the price follows your credit file. The nearest bigger place is Michiana Shores, IN about 1 miles away.
What a Michiana borrower is actually offered
Most loans made to Michiana's 214 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Because pricing is borrower-level, two people in Michiana can be quoted different APRs on the same amount and term. The term you choose in Michiana decides the split between a comfortable payment and the total interest you pay.
Common questions
What are my options in Michiana if my credit is poor?
What loan size can I expect in Michiana?
Do I have to pledge anything to borrow in Michiana?
Does comparing loans in Michiana cost me credit score points?
Nearby places
- Michiana Shores, IN — population 301
- Grand Beach, MI — population 286
- Long Beach, IN — population 1,174
- Pottawattamie Park, IN — population 235
- New Buffalo, MI — population 1,693
- Michigan City, IN — population 31,659
- Trail Creek, IN — population 2,027
- Town of Pines, IN — population 594