Personal loans in Pinconning, MI
Population in Pinconning dropped about 1.4% over the three years from 2020 to 2023. Personal loans in Pinconning are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 1,184 population. With 1,184 residents, Pinconning outranks about 38% of the communities in Michigan. The next larger city is Standish, MI about 8 miles away. Consumer lending that reaches Pinconning's 1,184 residents is governed by Michigan statute; no city ordinance changes it. Verify the lender's Michigan licence against the regulator named below before borrowing in Pinconning.
Where Pinconning stands
Pinconning is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: an estimated 1,184 residents, 333rd of 533 places in Michigan (Census Vintage 2023 subcounty estimate).
- Population trend: A decline of about 1.4% across the 2020-to-2023 comparison.
- Absolute change: 17 residents lost between 2020 and 2023.
- Size percentile: Pinconning sits ahead of around 38% of Michigan places, at 1,184 people.
- Land and density: 0.9 square miles of land carry roughly 1,375 residents per square mile.
- Land area rank: Pinconning's 0.9 square miles rank 465th of 533 places in Michigan.
- State share: roughly 0.0% of Michigan's residents live in Pinconning (1,184 people).
- National standing: Pinconning ranks 9,606th of 19,457 US places.
- Growth rank: Pinconning's 2020-to-2023 change ranks 374th of 533 places in Michigan.
- Against the state trend: Pinconning's 1.4% change compares with a Michigan average of -0.3% across its 533 places.
- Density rank: Pinconning is the 205th most densely settled place in Michigan.
- Density in context: Pinconning's 1,375 people per square mile sit against a Michigan median of 1,078.
- Location: the Census Gazetteer records it at 43.8572, -83.9646.
- Nearest larger cities: Standish (8 mi); Essexville (18 mi); Auburn (18 mi); Bay City (19 mi); Midland (21 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller towns nearby: Sterling (12 mi); Omer (14 mi); Au Gres (19 mi).
- Smaller places within 50 miles: 25 of them.
- At 100 miles: 134 larger Census places fall inside that radius.
The state rulebook for Pinconning
Every row below records a Michigan rule, its publisher and its retrieval date — the same rules a Pinconning 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 |
| 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 Pinconning sits
The Census Gazetteer records about 0.9 square miles of land within Pinconning, with no significant water area listed. That land carries about 1,375 people per square mile. The state's population centre of gravity, Detroit, is roughly 111 miles away. Within 50 miles of Pinconning there are 32 larger Census places. By land area it ranks 465th of 533 Michigan places.
How a Pinconning personal loan is priced
With roughly 1,184 residents, Pinconning is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Pinconning's 1,184 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Pinconning loan but raises total interest, so the smallest payment is not the cheapest loan.
Pinconning against the rest of Michigan
Pinconning is the 333rd-largest of 533 Census places in Michigan and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Pinconning stands 374th among Michigan's 533 places — roughly the 30th percentile. By density, at about 1,375 people per square mile, it ranks 205th in Michigan. Within 50 miles sit 25 smaller Census places, alongside the 32 that are larger.
Borrowing reach in Pinconning
Pinconning is moderately settled, with about 1,375 people per square mile and 32 larger places within 50 miles. Whether Pinconning has a local branch or not, a Michigan-licensed lender can serve its 1,184 people online on the same terms. For a larger market, the closest option is Standish, MI about 8 miles away.
Common questions
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Nearby places
- Standish, MI — population 1,457
- Sterling, MI — population 459
- Omer, MI — population 283
- Essexville, MI — population 3,304
- Bay City, MI — population 32,082
- Auburn, MI — population 2,044
- Twining, MI — population 140
- Au Gres, MI — population 961