Harrietta at a glance
- Population: a Census-estimated 157, placing it 525th among Michigan's 533 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 156 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 0.6% growth over the 2020 Census base (US Census Bureau).
- Rank among Michigan places: 525th largest of 533 (US Census Bureau).
- Size percentile: it exceeds roughly 2% of Michigan's Census places by population (US Census Bureau).
- Coordinates: it sits at 44.3091, -85.7006 in the US Census Bureau Gazetteer.
- Nearest larger cities: Mesick, MI (7 mi); Buckley, MI (13 mi); Cadillac, MI (14 mi); Kaleva, MI (16 mi); Copemish, MI (16 mi); US Census Bureau population estimates.
- Smaller towns nearby: Free Soil, MI (29 mi); Twining, MI (94 mi); Turner, MI (95 mi) (US Census Bureau).
What a personal loan costs in Harrietta
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Michigan lending rules that apply in Harrietta
The sourced rows below are the rules a licensed lender must follow when lending in Michigan, and therefore in Harrietta.
| 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 |
| 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 |
| 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 |
| 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 |
How to compare offers in Harrietta
These steps are the ones that most affect the offer you receive in Harrietta:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Michigan using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.