Best Personal Loan Rates in Michigan - June 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Current personal loan options available to borrowers in Michigan include: Genisys Credit UnionGenisys Credit Union2100 Executive Hills Dr, Auburn Hills, MI, 48326 2947A+5.0 ★Texas Ratio: 4.68% offering Balance Transfer Loan at 3.99% APR, Route 31 Federal Credit UnionRoute 31 Federal Credit Union715 Terrace St, Muskegon, MI, 49440A+5.0 ★Texas Ratio: 2.48% offering Expressway Loans at 3.99% APR, Baraga County Federal Credit UnionBaraga County Federal Credit Union101 E Broad St, Lanse, MI, 49946 1013A+5.0 ★Texas Ratio: 0.37% offering 2020 - 2025 Loan at 4.25% APR, Journey Federal Credit UnionJourney Federal Credit Union1200 Zeeb Dr, Saint Johns, MI, 48879 1150A+5.0 ★Texas Ratio: 2.96% offering Model Year 2022-2027 Loan at 4.49% APR, and Integra First Federal Credit UnionIntegra First Federal Credit Union2600 10th St, Menominee, MI, 49858 1904A+5.0 ★Texas Ratio: 5.04% offering Recreational Loans at 4.49% APR. Personal loan rates as of June 11, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across Michigan side-by-side. Michigan personal loan rates currently start as low as 3.99% APR from Genisys Credit Union at 2100 Executive Hills Dr, Auburn Hills, MI, 48326 2947. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Michigan.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Michigan. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: June 11, 2026
Michigan Personal Loan Rates
As low as 3.99% APR* for 12 Months. APR is Annual Percentage Rate. Click for details.
As Low As
As Low As
As Low As
As Low As; Members who set up an active checking account can qualify for a 0.50% discount off the posted rate tiers (for auto and recreational). Integra First defines an active checking account as one set up with direct deposit and auto pay on the loan.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; 25 To 36 Months
No additional details available.
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As; 100% financing available to qualified applicants. A higher rate or shorter term may apply if applicant does not qualify. Credit is subject to approval. Rates based on credit score. Rates, terms, and conditions are subject to change at any time. Salvage Titles - up to 75% financing.
As Low As
APR = Annual Percentage Rate. Annual percentage rates (APR) listed are "as low as" based on credit score and term, and are subject to approval and underwriting requirements. Refinances from current loans with American 1 Credit Union are allowed with the addition of a $500 financed balance or more. See any branch for details. All rates subject to change without notice.
As Low As
As Low As; Up to 48 mo
As Low As
As Low As
As Low As; Up to 60
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As
This APR will vary with the market based on the dividend rate.
Includes snowmobiles, motorcycles, ATVs, motor homes, campers, tractors
No additional details available.
As Low As; 100% financing available to qualified applicants. A higher rate or shorter term may apply if applicant does not qualify. Credit is subject to approval. Rates based on credit score. Rates, terms, and conditions are subject to change at any time. Salvage Titles - up to 75% financing.
(loan values over $40,000)
No additional details available.
No additional details available.
As Low As; APR = Annual Percentage Rate. Annual percentage rates (APR) listed are "as low as" based on credit score and term, and are subject to approval and underwriting requirements. Refinances from current loans with American 1 Credit Union are allowed with the addition of a $500 financed balance or more. See any branch for details. All rates subject to change without notice.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; $20,000.00 and Over
As Low As
As Low As
As Low As
No additional details available.
No additional details available.
As Low As
As Low As
As Low As; 100% financing available to qualified applicants. A higher rate or shorter term may apply if applicant does not qualify. Credit is subject to approval. Rates based on credit score. Rates, terms, and conditions are subject to change at any time. Salvage Titles - up to 75% financing.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
No additional details available.
As Low As
(loan values over $25,000)
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.; 84 month term on new vehicles only based on credit score.
APR as low as
No additional details available.
No additional details available.
As Low As
No additional details available.
No additional details available.
Includes snowmobiles, motorcycles, ATVs, motor homes, campers, tractors
As Low As; 100% financing available to qualified applicants. A higher rate or shorter term may apply if applicant does not qualify. Credit is subject to approval. Rates based on credit score. Rates, terms, and conditions are subject to change at any time. Salvage Titles - up to 75% financing.
No additional details available.
As Low As; Annual Percentage Yield designated as APR. Rates, terms and availability of product subject to change without notice. Proof of Income is required. Approximate monthly payment would be $85.95 per $1,000 borrowed at 5.74% for 12 months.
As Low As
As Low As; $30,000.00 and Over
No additional details available.
As Low As
No additional details available.
Credit Score: 700-800
No additional details available.
As Low As
As Low As
As Low As
Relationship APR
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As
As Low As
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; APR = Annual Percentage Rate. Rates listed above are estimates, and may vary by term selected.
As Low As; 37 To 60 Months
Credit Score: 700-800
As Low As; $20,000 and Over
As Low As
No additional details available.
As Low As; Rates featured are listed "as low as" and could be different based on creditworthiness, qualifications and collateral conditions. All rates are subject to change.
No additional details available.
As Low As
Relationship APR
As Low As
No additional details available.
As Low As
As Low As
As Low As
No additional details available.
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.; 84 month term on new vehicles only based on credit score.
No additional details available.
loan values over $30,000
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Up to $9,999
As Low As
As Low As
As Low As
for 96 Months (75% of stock value)
Loan Special! You must meet certain requirements.
As Low As
No additional details available.
No additional details available.
As Low As
As Low As
As Low As
As Low As; APR = Annual Percentage Rate. Annual percentage rates (APR) listed are "as low as" based on credit score and term, and are subject to approval and underwriting requirements. Refinances from current loans with American 1 Credit Union are allowed with the addition of a $500 financed balance or more. See any branch for details. All rates subject to change without notice. Other Loans may include ATVs/UTVs/jet skis/snowmobiles and other similar vehicles and toys. Please Contact Us with any questions.
As Low As; APR = Annual Percentage Rate. Rates listed above are estimates, and may vary by term selected.
As Low As
As Low As
As Low As
As Low As; up to 10 years
No additional details available.
As Low As
Michigan Personal Loan Rates
No additional details available.
Michigan Debt Consolidation Loan Rates
No additional details available.
As Low As
As Low As; Rate and APR advertised assumes a FICO Credit Score of 680 or better and an example My $ Loan amount financed of $5,000.
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As; with Loyalty Discount
No additional details available.
As Low As
No additional details available.
No additional details available.
As Low As
As Low As
Michigan Signature Loan Rates
No additional details available.
Credit Score: 700-800
As Low As
Credit Score: 700-800
Up to $9,999
Michigan Personal Loan Rate Trends
Compare local Michigan personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Michigan personal loan rates rose 0.020 points over the past 7 days to 11.322% APR.
Michigan signature loan rates fell 0.088 points over the past 7 days to 10.722% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Michigan personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for Michigan directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in Michigan. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in MI.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.
Frequently Asked Questions
What credit score do I need for a personal loan in Michigan?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Michigan?
Are credit unions or banks better for personal loans in Michigan?
What are the best personal loan rates in Michigan?
- Genisys Credit Union: 3.99% (Balance Transfer Loan)
- Route 31 Federal Credit Union: 3.99% (Expressway Loans)
- Baraga County Federal Credit Union: 4.25% (2020 - 2025 Loan)
- Journey Federal Credit Union: 4.49% (Model Year 2022-2027 Loan)
- Integra First Federal Credit Union: 4.49% (Recreational Loans)
