Personal loans in Gaines, MI

Gaines by the numbers

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

• Population: about 374 people live here, which puts Gaines 468th of 533 Census places in Michigan (Vintage 2023).
• Population trend: The 2020-to-2023 change is negative, near 0.8%.
• Absolute change: 3 residents lost between 2020 and 2023.
• Size percentile: about 12% of Michigan's Census places are smaller than Gaines.
• Land and density: 0.4 square miles of land carry roughly 1,000 residents per square mile.
• Land area rank: Gaines's 0.4 square miles rank 523rd of 533 places in Michigan.
• State population share: Gaines accounts for about 0.0% of everyone in Michigan.
• Nationally: Gaines is the 14,363rd-largest of 19,457 Census places in the dataset.
• Growth rank: Gaines ranks 286th among Michigan's 533 places for the 2020-to-2023 change.
• Versus Michigan: the state average change is -0.3%, while Gaines moved 0.8%.
• Density in Michigan: Gaines ranks 279th by people per square mile.
• Density vs Michigan: Gaines's 1,000 people per square mile compare with a state median of 1,078.
• Location: latitude 42.8725, longitude -83.9108 (Census Gazetteer).
• Nearest larger cities: Byron (4 mi); Durand (5 mi); Linden (8 mi); Vernon (8 mi); Lennon (8 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Nearest smaller towns: Oakley (23 mi); Lake Angelus (32 mi); Otter Lake (33 mi).
• Smaller places within 50 miles: 8 of them.
• At 100 miles: 348 larger Census places fall inside that radius.

Where Gaines sits in Michigan

Among Michigan's 533 places, Gaines sits at 468th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Gaines stands 286th among Michigan's 533 places — roughly the 46th percentile. By density, at about 1,000 people per square mile, it ranks 279th in Michigan. Between 2020 and 2023 the count changed by roughly 3 residents.

How personal loans work in Gaines

Most loans made to Gaines's 374 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Gaines's rank of 468th in Michigan: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Gaines loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

What Michigan law requires in Gaines

Read the table as a lender's compliance picture for Gaines: the rule, the sourced figure, the publisher and the date.

Gaines: area, density and distance

Inside Gaines's boundaries lie about 0.4 square miles of land, with no significant water area recorded. That land carries about 1,000 people per square mile. Detroit, the largest place in Michigan, is about 53 miles from Gaines. Gaines has 125 larger places within a 50-mile radius. Within the same 50 miles lie 8 smaller Census places.

How lenders reach Gaines

With about 1,000 residents per square mile, Gaines is moderately settled, and 125 larger Census places sit within 50 miles. Whether Gaines has a local branch or not, a Michigan-licensed lender can serve its 374 people online on the same terms. For a larger market, the closest option is Byron, MI about 4 miles away.