Personal loans in Pontiac, MI

What the Census records for Pontiac

Pontiac is a mid-sized city; the notes below cover its population profile and the statewide rules that apply.

• Population: about 61,689, ranked 18th of 533 places in Michigan (Census Vintage 2023 subcounty estimate).
• Population trend: About 0.1% above the 2020 Census base.
• Change in people: the 2020-to-2023 comparison is a gain of about 86 residents.
• Size percentile: with 61,689 residents, Pontiac is larger than about 97% of Michigan's Census places.
• Land and density: 19.9 square miles of land carry roughly 3,102 residents per square mile.
• Land area rank: Pontiac's 19.9 square miles rank 27th of 533 places in Michigan.
• Water: Pontiac holds about 0.37 square miles, the 71st-largest water area in Michigan.
• Share of state population: Pontiac's 61,689 residents are about 1.2% of Michigan.
• National rank: Pontiac sits 618th by population among the 19,457 places in this dataset.
• Growth rank: Pontiac's 2020-to-2023 change ranks 192nd of 533 places in Michigan.
• Versus Michigan: the state average change is -0.3%, while Pontiac moved 0.1%.
• Density rank: Pontiac places 57th among Michigan's places by people per square mile.
• Density vs Michigan: Pontiac's 3,102 people per square mile compare with a state median of 1,078.
• Location: it lies at 42.6492, -83.2874 in the Census Gazetteer.
• Nearest larger cities: Rochester Hills (7 mi); Troy (9 mi); Southfield (12 mi); Farmington Hills (12 mi); Sterling Heights (14 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller places nearby: Auburn Hills (3 mi); Sylvan Lake (3 mi); Lake Angelus (4 mi).
• Smaller places within 50 miles: 138 of them.
• Larger places within 100 miles: 15.

The anatomy of a Pontiac personal loan

With roughly 61,689 residents, Pontiac is a mid-sized city; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Pontiac lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Pontiac loan but raises total interest, so the smallest payment is not the cheapest loan.

Borrowing reach in Pontiac

At roughly 3,102 people per square mile, Pontiac is fairly dense; 13 larger places lie within 50 miles. What is available to Pontiac's 61,689 borrowers is set by Michigan licensing and your own credit, not by how many branches are nearby. The nearest larger city, Rochester Hills, MI about 7 miles away.

Land, water and location for Pontiac

Pontiac's land area is about 19.9 square miles; a further 0.37 square miles is water. That land carries about 3,102 people per square mile. Detroit, the largest place in Michigan, is about 21 miles from Pontiac. Pontiac has 13 larger places within a 50-mile radius. By land area it ranks 27th of 533 Michigan places.

Where Pontiac sits in Michigan

Among Michigan's 533 places, Pontiac sits at 18th for population, a share of roughly 1.2% of the state. Its 2020-to-2023 change ranks 192nd of 533 Michigan places, putting it near the 64th percentile for growth. By density, at about 3,102 people per square mile, it ranks 57th in Michigan. In land area, Pontiac ranks 27th among Michigan's 533 places.

The Michigan lending rules that reach Pontiac

Every row below records a Michigan rule, its publisher and its retrieval date — the same rules a Pontiac lender must follow.