Personal loans in Eaton Rapids, MI
A personal loan in Eaton Rapids is priced from your credit file and income, not from the fact that the city holds 5,165 people. About 5,165 people live in Eaton Rapids, placing it 148th of 533 Census places in Michigan.
Judge Eaton Rapids offers on total cost, not on how quickly the money arrives. A 2020-to-2023 comparison shows Eaton Rapids down by about 0.9%. Consumer lending that reaches Eaton Rapids's 5,165 residents is governed by Michigan statute; no city ordinance changes it. The closest larger place is Charlotte, MI about 10 miles away.
What the Census records for Eaton Rapids
The figures below are Eaton Rapids's own — Census population, land area and coordinates — followed by the Michigan rules.
- Population: the Census counts 5,165 residents in Eaton Rapids (Vintage 2023 subcounty estimate), the 148th-largest figure among Michigan's 533 places.
- Population trend: Lower by roughly 0.9% since the 2020 count.
- People gained or lost: about 45 fewer since the 2020 base.
- Size percentile: about 72% of Michigan's Census places are smaller than Eaton Rapids.
- Density: the Census land area of 3.6 sq mi holds about 1,422 people per square mile.
- Land area: Eaton Rapids covers 3.6 square miles, the 134th-largest area among Michigan's 533 places.
- Water: Eaton Rapids holds about 0.10 square miles, the 163rd-largest water area in Michigan.
- Share of state population: Eaton Rapids's 5,165 residents are about 0.1% of Michigan.
- National rank: Eaton Rapids sits 4,738th by population among the 19,457 places in this dataset.
- Growth in Michigan: Eaton Rapids stands 295th by percentage change from 2020 to 2023, among 533 places.
- State comparison: Michigan's places average -0.3% for 2020-to-2023, against Eaton Rapids's 0.9%.
- Density rank: Eaton Rapids is the 194th most densely settled place in Michigan.
- Density in context: Eaton Rapids's 1,422 people per square mile sit against a Michigan median of 1,078.
- Location: it lies at 42.5097, -84.6519 in the Census Gazetteer.
- Nearest larger cities: Charlotte (10 mi); Mason (12 mi); Lansing (15 mi); Grand Ledge (17 mi); East Lansing (19 mi). Lenders licensed in the state serve Eaton Rapids whether or not they keep a local branch.
- Smaller towns nearby: Springport (9 mi); Potterville (10 mi); Dimondale (10 mi).
- Smaller neighbours: 81 places smaller than Eaton Rapids sit within 50 miles.
- Within 100 miles: 151 places are larger than Eaton Rapids.
The anatomy of a Eaton Rapids personal loan
Most loans made to Eaton Rapids's 5,165 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in Eaton Rapids. Because the payment is fixed, the total cost of a Eaton Rapids loan is knowable in advance — unlike a revolving card balance.
Which Michigan laws govern a loan in Eaton Rapids
These are Michigan's sourced lending facts as they reach Eaton Rapids's 5,165 residents; the state has no city-level rate rule.
| 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 |
Where Eaton Rapids sits in Michigan
Eaton Rapids is the 148th-largest of 533 Census places in Michigan and contains about 0.1% of the state's people. Its 2020-to-2023 change ranks 295th of 533 Michigan places, putting it near the 45th percentile for growth. At about 1,422 people per square mile, Eaton Rapids is the 194th most densely settled place in Michigan. In land area, Eaton Rapids ranks 134th among Michigan's 533 places.
Eaton Rapids: area, density and distance
Eaton Rapids covers about 3.6 square miles of land, with 0.10 square miles of water inside its boundaries (Census Gazetteer). That land carries about 1,422 people per square mile. The state's population centre of gravity, Detroit, is roughly 79 miles away. Eaton Rapids has 20 larger places within a 50-mile radius. Within the same 50 miles lie 81 smaller Census places.
Getting a loan in Eaton Rapids
Eaton Rapids is moderately settled, with about 1,422 people per square mile and 20 larger places within 50 miles. Whether Eaton Rapids has a local branch or not, a Michigan-licensed lender can serve its 5,165 people online on the same terms. The nearest bigger place is Charlotte, MI about 10 miles away.
Common questions
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Nearby places
- Springport, MI — population 819
- Dimondale, MI — population 1,170
- Potterville, MI — population 3,092
- Charlotte, MI — population 9,242
- Mason, MI — population 8,153
- Lansing, MI — population 112,115
- Leslie, MI — population 1,903
- Grand Ledge, MI — population 7,784