Personal loans in St. Clair, MI

Clair counts about 5,887 people, and what is genuinely local about borrowing here is limited — Michigan law does the governing. Use the calculator on this page to price an amount and term before you commit in St. Clair. A lender that serves St. Clair operates under Michigan lending statutes and a Michigan supervisor. A larger market lies at Marysville, MI about 6 miles away.

St. Clair: population, trend and location

St. Clair is a small town; the notes below cover its population profile and the statewide rules that apply.

• Population: 5,887 residents; St. Clair is the 138th-largest of 533 places in Michigan (US Census Bureau, Vintage 2023).
• Population trend: A rise of about 7.7% from 2020 to 2023.
• Change in people: the 2020-to-2023 comparison is a gain of about 422 residents.
• Size percentile: roughly 74% of Michigan's places have fewer residents than St. Clair's 5,887.
• Density: roughly 2,002 residents per square mile, spread over 2.9 sq mi of land.
• Land area: St. Clair covers 2.9 square miles, the 166th-largest area among Michigan's 533 places.
• Water area: St. Clair has 0.68 square miles of water, ranking 46th of 533 places in Michigan.
• Share of state population: St. Clair's 5,887 residents are about 0.1% of Michigan.
• National rank: St. Clair is 4,403rd of 19,457 places nationwide.
• Growth rank: St. Clair ranks 7th among Michigan's 533 places for the 2020-to-2023 change.
• State comparison: Michigan's places average -0.3% for 2020-to-2023, against St. Clair's 7.7%.
• Density rank: St. Clair is the 125th most densely settled place in Michigan.
• Density in context: St. Clair's 2,002 people per square mile sit against a Michigan median of 1,078.
• Location: coordinates 42.8265, -82.4924 (US Census Bureau Gazetteer).
• Nearest larger cities: Marysville (6 mi); Port Huron (12 mi); New Baltimore (16 mi); New Haven (17 mi); Mount Clemens (25 mi). For most borrowers the comparison happens online, not at a branch.
• Nearest smaller towns: Marine City (8 mi); Richmond (13 mi); Algonac (14 mi) — useful context for the surrounding area.
• Smaller places within 50 miles: 43 of them.
• Within 100 miles: 107 places are larger than St. Clair.

Where St. Clair sits in Michigan

Among Michigan's 533 places, St. Clair sits at 138th for population, a share of roughly 0.1% of the state. On the 2020-to-2023 trend, St. Clair stands 7th among Michigan's 533 places — roughly the 99th percentile. Its roughly 2,002 residents per square mile place it 125th among Michigan's places. Between 2020 and 2023 the count changed by roughly 422 residents.

The Michigan lending rules that reach St. Clair

The rows below set out what a licensed lender must follow in Michigan, and so for St. Clair's roughly 5,887 residents.

What a St. Clair borrower is actually offered

Most loans made to St. Clair's 5,887 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Federal Truth in Lending rules require a St. Clair lender to disclose the APR and finance charge before you sign. Shortening the term on a St. Clair loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Land, water and location for St. Clair

The Census Gazetteer records 2.9 square miles of land and 0.68 square miles of water within St. Clair. The resulting density is about 2,002 people per square mile. Detroit, the largest place in Michigan, is about 44 miles from St. Clair. St. Clair has 37 larger places within a 50-mile radius. The 100-mile radius contains 107 larger places.

What is available to St. Clair borrowers

St. Clair is a fairly dense community of about 5,887 people, with 37 larger places inside a 50-mile radius. Lenders licensed in Michigan reach St. Clair's 5,887 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Marysville, MI about 6 miles away.