Port Huron at a glance
- Population: 28,383, the 39th-largest community in Michigan out of 533 (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 28,975 residents here (US Census Bureau).
- 2020 to 2023 change: a loss of about 2.0% since the 2020 count (US Census Bureau).
- Rank among Michigan places: 39th out of 533 Census places (US Census Bureau).
- Size percentile: ahead of around 93% of Michigan places in population terms (US Census Bureau).
- Coordinates: it sits at 42.9938, -82.4337 in the US Census Bureau Gazetteer.
- Nearest larger cities: Sterling Heights, MI (42 mi); St. Clair Shores, MI (42 mi); Roseville, MI (42 mi); Rochester Hills, MI (43 mi); Eastpointe, MI (45 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Marysville, MI (6 mi); St. Clair, MI (12 mi); Emmett, MI (17 mi) (US Census Bureau).
What a personal loan costs in Port Huron
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
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.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Michigan lending rules that apply in Port Huron
The sourced rows below are the rules a licensed lender must follow when lending in Michigan, and therefore in Port Huron.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Port Huron
The steps below are worth completing first when you borrow in Port Huron:
- 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.