Personal loans in Minden City, MI
The first question in Minden City is not the rate on offer but whether the payment fits; about 182 people live here under Michigan lending law. Minden City ranks 523rd of 533 places in Michigan, with a population near 182.
Census figures show Minden City holding steady across 2020 to 2023. Read the disclosure for an origination fee and any prepayment penalty before signing in Minden City. Borrowers who want a bigger city can look to Ubly, MI about 8 miles away. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Minden City's 182 residents.
Minden City by the numbers
The figures below are Minden City's own — Census population, land area and coordinates — followed by the Michigan rules.
- Population: about 182 people live here, which puts Minden City 523rd of 533 Census places in Michigan (Vintage 2023).
- Population trend: Roughly level with the 2020 Census base.
- Size percentile: with 182 residents, Minden City is larger than about 2% of Michigan's Census places.
- Density: the Census land area of 1.0 sq mi holds about 185 people per square mile.
- By land area: Minden City ranks 423rd among Michigan's 533 places, at 1.0 sq mi.
- Within Michigan: about 0.0% of the state's population lives in Minden City.
- Nationally: Minden City is the 16,757th-largest of 19,457 Census places in the dataset.
- Growth rank: Minden City's 2020-to-2023 change ranks 215th of 533 places in Michigan.
- State comparison: Michigan's places average -0.3% for 2020-to-2023, against Minden City's 0.0%.
- Density rank: Minden City places 518th among Michigan's places by people per square mile.
- Density vs Michigan: Minden City's 185 people per square mile compare with a state median of 1,078.
- Location: latitude 43.6747, longitude -82.7728 (Census Gazetteer).
- Nearest larger cities: Ubly (8 mi); Deckerville (10 mi); Harbor Beach (13 mi); Bad Axe (14 mi); Sandusky (18 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller places close by: Forestville (8 mi); Melvin (34 mi); Turner (60 mi).
- Within a 50-mile radius: 2 smaller Census places.
- Within 100 miles: 190 places are larger than Minden City.
Minden City on the map
Minden City's land area is roughly 1.0 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 185 residents per square mile. Detroit, the largest place in Michigan, is about 91 miles from Minden City. Counting outward 50 miles, 40 larger communities surround Minden City. The 100-mile radius contains 190 larger places.
What a Minden City borrower is actually offered
Minden City is a small community of about 182 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Minden City lender to disclose the APR and finance charge before you sign. Shortening the term on a Minden City loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Minden City's place among Michigan's 533 places
Set beside Michigan's 533 places, Minden City ranks 523rd by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 215th of 533 Michigan places, putting it near the 60th percentile for growth. At about 185 people per square mile, Minden City is the 518th most densely settled place in Michigan. The population moved by about 0 people between 2020 and 2023, a 0.0% shift.
How Michigan law applies in Minden City
For the roughly 182 residents of Minden City, the rules below are Michigan's own; each row carries its publisher and retrieval date.
| 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 |
Getting a loan in Minden City
With about 185 residents per square mile, Minden City is lightly settled, and 40 larger Census places sit within 50 miles. Distance to a branch rarely matters for Minden City's 182 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Ubly, MI about 8 miles away.
Common questions
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Nearby places
- Deckerville, MI — population 878
- Forestville, MI — population 85
- Ubly, MI — population 835
- Harbor Beach, MI — population 1,576
- Bad Axe, MI — population 2,977
- Sandusky, MI — population 2,685
- Carsonville, MI — population 500
- Port Hope, MI — population 274