Personal loans in Ferrysburg, MI

The Census estimates 2,931 residents in Ferrysburg, which ranks it 204th of 533 places in Michigan. If you are weighing a personal loan in Ferrysburg, start from the payment you can carry; its 2,931 residents face the same statewide rules. The 2020 count to the 2023 estimate shows about 0.6% decline in Ferrysburg. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Ferrysburg loan. Every figure below is Michigan's own, applied to Ferrysburg's 2,931 residents, with the publisher and retrieval date attached. The closest larger city is Grand Haven, MI about 2 miles away.

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

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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.

What the Census records for Ferrysburg

What follows is Ferrysburg's place in the Census record, alongside the Michigan rules that govern a personal loan made here.

Population: 2,931 people, a figure that places Ferrysburg 204th among the 533 Census places in Michigan (US Census Bureau, Vintage 2023).
Population trend: The 2020-to-2023 change is negative, near 0.6%.
Change in people: the 2020-to-2023 comparison is a loss of about 19 residents.
Size percentile: bigger than about 62% of the places in Michigan, with 2,931 residents in Ferrysburg.
Population density: about 980 people per square mile across 3.0 square miles of land (Census Gazetteer area, Vintage 2023 population).
By land area: Ferrysburg ranks 161st among Michigan's 533 places, at 3.0 sq mi.
Water area: Ferrysburg has 0.60 square miles of water, ranking 53rd of 533 places in Michigan.
State population share: Ferrysburg accounts for about 0.1% of everyone in Michigan.
Nationally: Ferrysburg is the 6,353rd-largest of 19,457 Census places in the dataset.
Growth rank: Ferrysburg ranks 271st among Michigan's 533 places for the 2020-to-2023 change.
State comparison: Michigan's places average -0.3% for 2020-to-2023, against Ferrysburg's 0.6%.
Density rank: Ferrysburg places 284th among Michigan's places by people per square mile.
Against the state median: Ferrysburg runs about 980 residents per square mile, where the Michigan median is 1,078.
Location: 43.0875, -86.2270 (Census Gazetteer coordinates).
Nearest larger cities: Grand Haven (2 mi); Norton Shores (6 mi); Muskegon Heights (8 mi); Roosevelt Park (8 mi); Muskegon (10 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
Smaller communities within reach: Spring Lake (2 mi); Fruitport (4 mi); Ravenna (16 mi).
Within a 50-mile radius: 27 smaller Census places.
Within 100 miles: 124 places are larger than Ferrysburg.

Ferrysburg against the rest of Michigan

Set beside Michigan's 533 places, Ferrysburg ranks 204th by population and holds about 0.1% of the state total. For population change between 2020 and 2023, Ferrysburg ranks 271st of 533 in Michigan (about the 49th percentile). Its roughly 980 residents per square mile place it 284th among Michigan's places. Between 2020 and 2023 the count changed by roughly 19 residents.

A pre-application checklist for Ferrysburg

Complete these steps first when you borrow in Ferrysburg (2,931 residents):

Start with the credit file: order the reports, fix the errors, then apply.
Run the numbers on the personal loan calculator so you know the payment before you apply.
Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
Make sure the lender appears in the Michigan regulator's licence list.
Write down the purpose of the loan and your repayment plan before you apply.
When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
Read the disclosure for an origination fee and any prepayment penalty before signing.

In Ferrysburg as elsewhere in Michigan, the written terms — not the advertisement — are what count for its 2,931 residents.

Where Ferrysburg sits

Ferrysburg's land area is about 3.0 square miles; a further 0.60 square miles is water. The resulting density is about 980 people per square mile. For the state's biggest city, Detroit, the distance is roughly 166 miles. Within 50 miles of Ferrysburg there are 27 larger Census places. The 100-mile radius contains 124 larger places.

Lender access in Ferrysburg

With about 980 residents per square mile, Ferrysburg is moderately settled, and 27 larger Census places sit within 50 miles. Distance to a branch rarely matters for Ferrysburg's 2,931 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Grand Haven, MI about 2 miles away.

What Michigan law requires in Ferrysburg

Michigan has no separate rate rule for Ferrysburg; the sourced rows below are what reach every lender that serves its 2,931 people.

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

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Common questions

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

What loan size can I expect in Ferrysburg?

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 Ferrysburg?

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 Ferrysburg 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

Grand Haven, MI — population 11,002
Spring Lake, MI — population 2,521
Fruitport, MI — population 1,153
Norton Shores, MI — population 25,005
Muskegon Heights, MI — population 9,815
Roosevelt Park, MI — population 4,132
Muskegon, MI — population 37,183
North Muskegon, MI — population 4,082