Best Personal Loan Rates in Michigan (MI) - April 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to Michigan borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
Current personal loan options available to borrowers in Michigan include: Route 31 Federal Credit UnionRoute 31 Federal Credit Union715 Terrace St, Muskegon, MI, 49440A+5.0 ★Texas Ratio: 2.54% offering Expressway Loans at 3.99% APR, Maui Teachers Federal Credit UnionMaui Teachers Federal Credit Union6000 28th St SE, Grand Rapids, MI, 49546 6927A+5.0 ★Texas Ratio: 0.00% offering Share/Signature at 4.00% APR, Frankenmuth Credit UnionFrankenmuth Credit Union580 N Main St, Frankenmuth, MI, 48734A5.0 ★Texas Ratio: 8.43% offering Share Pledged Loan at 4.00% APR, Members First Credit Union Midland, MIMembers First Credit Union Midland, MI600 W Wackerly St, Midland, MI, 48640 4702A5.0 ★Texas Ratio: 8.84% offering Share Pledge Loans at 4.00% APR, and Northwest Consumers Federal Credit UnionNorthwest Consumers Federal Credit Union2948 Garfield Rd N, Traverse City, MI, 49686 5008A+5.0 ★Texas Ratio: 2.20% offering Share Pledge Loan at 4.00% APR. Personal loan rates as of April 27, 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 Route 31 Federal Credit Union at 715 Terrace St, Muskegon, MI, 49440. 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: April 27, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
715 Terrace St, Muskegon, MI, 49440
Expressway Loans
3.99%
▼
APR3.99%
Last UpdatedApril 28, 2026
Details
As Low As
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6000 28th St SE, Grand Rapids, MI, 49546 6927
Share/Signature
4.00%
▼
APR4.00%
Last UpdatedApril 28, 2026
Details
No additional details available.
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
580 N Main St, Frankenmuth, MI, 48734
Share Pledged Loan
4.00%
▼
APR4.00%
Last UpdatedApril 28, 2026
Details
As Low As; for example funds in a 1.00%APY product; Savings Product + 3.00%
Members First Credit Union Midland, MI
Institution Rating:
A5.0 ★Texas Ratio: 8.84%
600 W Wackerly St, Midland, MI, 48640 4702
Share Pledge Loans
4.00%
▼
APR4.00%
Last UpdatedApril 28, 2026
Details
No additional details available.
Northwest Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
2948 Garfield Rd N, Traverse City, MI, 49686 5008
Share Pledge Loan
4.00%
▼
APR4.00%
Last UpdatedApril 28, 2026
Details
Use your money on deposit as security for a great rate
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6000 28th St SE, Grand Rapids, MI, 49546 6927
Signature Loans
4.50%
▼
APR4.50%
Last UpdatedApril 28, 2026
Details
No additional details available.
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6000 28th St SE, Grand Rapids, MI, 49546 6927
Solar Heater Loan
4.50%
▼
APR4.50%
Last UpdatedApril 28, 2026
Details
No additional details available.
United Bay Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
1309 N Lincoln St, Bay City, MI, 48708 6172
Loan
4.74%
▼
APR4.74%
Last UpdatedApril 28, 2026
Details
As Low As
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
473 E Division St, Dowagiac, MI, 49047 1541
Money Saver Loan
4.75%
▼
APR4.75%
Last UpdatedApril 28, 2026
Details
No additional details available.
Tahquamenon Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
N 6747 M117, Engadine, MI, 49827
Spring Loan Special 36 Months
4.75%
▼
APR4.75%
Last UpdatedApril 28, 2026
Details
As Low As
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
1100 S Bagley St, Alpena, MI, 49707 8104
CU Heart Relief Loan
4.95%
▼
APR4.95%
Last UpdatedApril 28, 2026
Details
Supporting our community through flood & storm recovery.
United Bay Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
1309 N Lincoln St, Bay City, MI, 48708 6172
Loan
4.99%
▼
APR4.99%
Last UpdatedApril 28, 2026
Details
As Low As
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6000 28th St SE, Grand Rapids, MI, 49546 6927
Vacation Loans
5.00%
▼
APR5.00%
Last UpdatedApril 28, 2026
Details
Must provide travel itinerary
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
34200 Utica Rd, Fraser, MI, 48026
Credit Saver Loan
5.00%
▼
APR5.00%
Last UpdatedApril 28, 2026
Details
This APR will vary with the market based on the dividend rate.
United Bay Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
1309 N Lincoln St, Bay City, MI, 48708 6172
Loan
5.24%
▼
APR5.24%
Last UpdatedApril 28, 2026
Details
As Low As
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
6180 State St, Saginaw, MI, 48603
Technology Loan
5.25%
▼
APR5.25%
Last UpdatedApril 28, 2026
Details
Technology Loan
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
3089 44th St SW, Grandville, MI, 49418 2501
Electric/Hybrid Loans (2021-2016)
5.45%
▼
APR5.45%
Last UpdatedApril 28, 2026
Details
As Low As
Electrical Workers Local 58 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1366 porter ST, DETROIT, MI, 48226
Recreation Loan
5.49%
▼
APR5.49%
Last UpdatedApril 28, 2026
Details
No additional details available.
United Bay Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
1309 N Lincoln St, Bay City, MI, 48708 6172
Loan
5.49%
▼
APR5.49%
Last UpdatedApril 28, 2026
Details
As Low As
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6000 28th St SE, Grand Rapids, MI, 49546 6927
Photovoltaic Loans
5.50%
▼
APR5.50%
Last UpdatedApril 28, 2026
Details
Rates are determined by the repayment terms; Loan proceeds to be paid directly to contractor.
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
27850 MOUND RD, WARREN, MI, 48092
Recreational Loan
5.50%
▼
APR5.50%
Last UpdatedApril 28, 2026
Details
As Low As
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
27850 MOUND RD, WARREN, MI, 48092
Recreational Loans
5.50%
▼
APR5.50%
Last UpdatedApril 28, 2026
Details
No additional details available.
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
3089 44th St SW, Grandville, MI, 49418 2501
Electric/Hybrid Loans (2021-2016)
5.70%
▼
APR5.70%
Last UpdatedApril 28, 2026
Details
As Low As
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
2100 Executive Hills Dr, Auburn Hills, MI, 48326 2947
Credit Builder Loan
5.74%
▼
APR5.74%
Last UpdatedApril 28, 2026
Details
As Low As; Proof of Income is required.
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
473 E Division St, Dowagiac, MI, 49047 1541
Signature/Unsecured
5.75%
▼
APR5.75%
Last UpdatedApril 28, 2026
Details
No additional details available.
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
31300 Hoover Rd, Warren, MI, 48093 1774
Closed End Signature Loan
5.99%
▼
APR5.99%
Last UpdatedApril 28, 2026
Details
No additional details available.
Compass Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
485 S State St, Sparta, MI, 49345 1549
Recreational Loan Special
5.99%
▼
APR5.99%
Last UpdatedApril 28, 2026
Details
As Low As
Aeroquip Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
6000 28th St SE, Grand Rapids, MI, 49546
Collateral Loan
5.99%
▼
APR5.99%
Last UpdatedApril 28, 2026
Details
No additional details available.
United Bay Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
1309 N Lincoln St, Bay City, MI, 48708 6172
Loan
5.99%
▼
APR5.99%
Last UpdatedApril 28, 2026
Details
As Low As
Tahquamenon Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
N 6747 M117, Engadine, MI, 49827
Recreation Loans
6.00%
▼
APR6.00%
Last UpdatedApril 28, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
400 Town Center Dr, Dearborn, MI, 48126
Share Loan
6.00%
▼
APR6.00%
Last UpdatedApril 28, 2026
Details
No additional details available.
Aeroquip Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
6000 28th St SE, Grand Rapids, MI, 49546
Collateral Loan
6.24%
▼
APR6.24%
Last UpdatedApril 28, 2026
Details
No additional details available.
Tahquamenon Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
N 6747 M117, Engadine, MI, 49827
Spring Loan Special 60 Months
6.25%
▼
APR6.25%
Last UpdatedApril 28, 2026
Details
As Low As
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
580 N Main St, Frankenmuth, MI, 48734
10 Year Construction Loan
6.25%
▼
APR6.25%
Last UpdatedApril 28, 2026
Details
No additional details available.
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
6180 State St, Saginaw, MI, 48603
Season Loan
6.25%
▼
APR6.25%
Last UpdatedApril 28, 2026
Details
Season Loan
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI, 48381
Consumer Loan
6.34%
▼
APR6.34%
Last UpdatedApril 28, 2026
Details
As Low As
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
473 E Division St, Dowagiac, MI, 49047 1541
One-Time Close Construction Loan Rate
6.40%
▼
APR6.40%
Last UpdatedApril 28, 2026
Details
No additional details available.
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
3089 44th St SW, Grandville, MI, 49418 2501
Electric/Hybrid Loans (2021-2016)
6.45%
▼
APR6.45%
Last UpdatedApril 28, 2026
Details
As Low As
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI, 48381
Consumer Loan
6.46%
▼
APR6.46%
Last UpdatedApril 28, 2026
Details
As Low As
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
790 Joslyn Ave, Pontiac, MI, 48340 2918
Recreational Loans
6.49%
▼
APR6.49%
Last UpdatedApril 28, 2026
Details
As Low As; 2025 and Newer
United Bay Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
1309 N Lincoln St, Bay City, MI, 48708 6172
Loan
6.49%
▼
APR6.49%
Last UpdatedApril 28, 2026
Details
As Low As
Aeroquip Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
6000 28th St SE, Grand Rapids, MI, 49546
Collateral Loan
6.49%
▼
APR6.49%
Last UpdatedApril 28, 2026
Details
No additional details available.
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
700 E Sharon Ave, Houghton, MI, 49931 1618
New Personal Recreational (2025-2026) 24 Month
6.49%
▼
APR6.49%
Last UpdatedApril 28, 2026
Details
No additional details available.
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI, 48381
Consumer Loan
6.49%
▼
APR6.49%
Last UpdatedApril 28, 2026
Details
As Low As
Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
5600 Crooks Rd Ste 101, Troy, MI, 48098
Norfolk Southern Stock Loan
6.50%
▼
APR6.50%
Last UpdatedApril 28, 2026
Details
Months (75% of stock value)
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
27850 MOUND RD, WARREN, MI, 48092
Recreational Loans
6.50%
▼
APR6.50%
Last UpdatedApril 28, 2026
Details
No additional details available.
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
700 E Sharon Ave, Houghton, MI, 49931 1618
New Personal Recreational (2025-2026) 48 Month
6.50%
▼
APR6.50%
Last UpdatedApril 28, 2026
Details
No additional details available.
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI, 48381
Consumer Loan
6.51%
▼
APR6.51%
Last UpdatedApril 28, 2026
Details
As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
700 E Sharon Ave, Houghton, MI, 49931 1618
New Personal Recreational (2025-2026) 36 Month
6.58%
▼
APR6.58%
Last UpdatedApril 28, 2026
Details
No additional details available.
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI, 48381
Consumer Loan
6.68%
▼
APR6.68%
Last UpdatedApril 28, 2026
Details
As Low As
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
790 Joslyn Ave, Pontiac, MI, 48340 2918
Recreational Loans
6.74%
▼
APR6.74%
Last UpdatedApril 28, 2026
Details
As Low As; 2024-2017
Aeroquip Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
6000 28th St SE, Grand Rapids, MI, 49546
Collateral Loan
6.74%
▼
APR6.74%
Last UpdatedApril 28, 2026
Details
No additional details available.
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI, 48381
Consumer Loan
6.84%
▼
APR6.84%
Last UpdatedApril 28, 2026
Details
As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
700 E Sharon Ave, Houghton, MI, 49931 1618
Land Loan 10-year
6.91%
▼
APR6.91%
Last UpdatedApril 28, 2026
Details
No additional details available.
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI, 48381
Consumer Loan
6.96%
▼
APR6.96%
Last UpdatedApril 28, 2026
Details
As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
700 E Sharon Ave, Houghton, MI, 49931 1618
New Personal Recreational (2025-2026) 60 Month
6.96%
▼
APR6.96%
Last UpdatedApril 28, 2026
Details
No additional details available.
United Bay Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
1309 N Lincoln St, Bay City, MI, 48708 6172
Loan
6.99%
▼
APR6.99%
Last UpdatedApril 28, 2026
Details
As Low As
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
3095 S Commerce Rd, Wolverine Lake, MI, 48390 1418
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedApril 28, 2026
Details
As Low As; Up to $10,000.00
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
790 Joslyn Ave, Pontiac, MI, 48340 2918
Vacation Loans
6.99%
▼
APR6.99%
Last UpdatedApril 28, 2026
Details
As Low As; Lower rates than typical credit cards (starting at 6.99% APR)
Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
4550 STATE ST, SAGINAW, MI, 48603
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedApril 28, 2026
Details
As Low As
Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
4550 STATE ST, SAGINAW, MI, 48603
Debt Consolidation
6.99%
▼
APR6.99%
Last UpdatedApril 28, 2026
Details
As Low As
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI, 48381
Consumer Loan
6.99%
▼
APR6.99%
Last UpdatedApril 28, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
2900 Charlevoix Dr, Grand Rapids, MI, 49546
Collateralized Loans (Backed by property, other than Real Estate)
7.00%
▼
APR7.00%
Last UpdatedApril 28, 2026
Details
No additional details available.
Iron Mountain Kingsford Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
400 S Carpenter Ave, Kingsford, MI, 49802 4527
Debt Consolidation Loan
7.00%
▼
APR7.00%
Last UpdatedApril 28, 2026
Details
No additional details available.
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
3031 Airpark Dr N, Flint, MI, 48507 3471
Recreational Loans
7.00%
▼
APR7.00%
Last UpdatedApril 28, 2026
Details
As Low As
Harborlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2151 Cogswell Dr, Whitehall, MI, 49461
All Other Closed End Loans
7.00%
▼
APR7.00%
Last UpdatedApril 28, 2026
Details
No additional details available.
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
3777 West Rd, East Lansing, MI, 48823 8029
Green & White Loan
7.00%
▼
APR7.00%
Last UpdatedApril 28, 2026
Details
As Low As
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI, 48381
Consumer Loan
7.01%
▼
APR7.01%
Last UpdatedApril 28, 2026
Details
As Low As
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
G3381 Van Slyke Rd, Flint, MI, 48507 3263
Vacant Land Loans 5 Year Balloon
7.13%
▼
APR7.13%
Last UpdatedApril 28, 2026
Details
As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
700 E Sharon Ave, Houghton, MI, 49931 1618
New Personal Recreational (2025-2026) 72 Month
7.18%
▼
APR7.18%
Last UpdatedApril 28, 2026
Details
No additional details available.
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
700 E Sharon Ave, Houghton, MI, 49931 1618
Used Personal Recreational (2024 and older) 24 Month
7.24%
▼
APR7.24%
Last UpdatedApril 28, 2026
Details
No additional details available.
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3141 Capital Ave SW, Battle Creek, MI, 49015
POWER SPORTS LOAN 2019 and Newer
7.25%
▼
APR7.25%
Last UpdatedApril 28, 2026
Details
As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
700 E Sharon Ave, Houghton, MI, 49931 1618
Used Personal Recreational (2024 and older) 48 Month
7.26%
▼
APR7.26%
Last UpdatedApril 28, 2026
Details
No additional details available.
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
700 E Sharon Ave, Houghton, MI, 49931 1618
Used Personal Recreational (2024 and older) 36 Month
7.34%
▼
APR7.34%
Last UpdatedApril 28, 2026
Details
No additional details available.
Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
507 E Main St, Niles, MI, 49120 2617
Adventure Loan
7.50%
▼
APR7.50%
Last UpdatedApril 28, 2026
Details
Credit Score: 800+; Rate with 0% Down: 7.50%
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
520 HAYDEN ST, SAGINAW, MI, 48607
Recreational Loans
7.50%
▼
APR7.50%
Last UpdatedApril 28, 2026
Details
No additional details available.
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
415 Washington Ave, Bay City, MI, 48708 5712
Recreational Loans
7.50%
▼
APR7.50%
Last UpdatedApril 28, 2026
Details
As Low As
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
27850 MOUND RD, WARREN, MI, 48092
Recreational Loans
7.50%
▼
APR7.50%
Last UpdatedApril 28, 2026
Details
No additional details available.
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
700 E Sharon Ave, Houghton, MI, 49931 1618
Used Personal Recreational (2024 and older) 60 Month
7.71%
▼
APR7.71%
Last UpdatedApril 28, 2026
Details
No additional details available.
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.50%
2929 3rd Ave N, Escanaba, MI, 49829 4203
Consumer Loans
7.75%
▼
APR7.75%
Last UpdatedApril 28, 2026
Details
No additional details available.
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
473 E Division St, Dowagiac, MI, 49047 1541
Signature/Unsecured
7.75%
▼
APR7.75%
Last UpdatedApril 28, 2026
Details
No additional details available.
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
2182 Lakeshore Dr, Muskegon, MI, 49441 1414
Signature Loan 12 Months
7.99%
▼
APR7.99%
Last UpdatedApril 28, 2026
Details
No additional details available.
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
2182 Lakeshore Dr, Muskegon, MI, 49441 1414
Signature Loans
7.99%
▼
APR7.99%
Last UpdatedApril 28, 2026
Details
As Low As; APR as low as 7.99%
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
2182 Lakeshore Dr, Muskegon, MI, 49441 1414
Signature Loan 36 Months
7.99%
▼
APR7.99%
Last UpdatedApril 28, 2026
Details
No additional details available.
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
2182 Lakeshore Dr, Muskegon, MI, 49441 1414
Signature Loan 24 Months
7.99%
▼
APR7.99%
Last UpdatedApril 28, 2026
Details
No additional details available.
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
3095 S Commerce Rd, Wolverine Lake, MI, 48390 1418
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 28, 2026
Details
As Low As; Up to $10,000.00
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
4550 Division St, Trenton, MI, 48183
Unsecured Closed End Loan
7.99%
▼
APR7.99%
Last UpdatedApril 28, 2026
Details
No additional details available.
PORT CITY
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
460 W Laketon Ave, Muskegon, MI, 49441 2632
12 Month Unsecured Loan
7.99%
▼
APR7.99%
Last UpdatedApril 28, 2026
Details
As Low As; Multi Purpose 12 Month Loan
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1888 E Sherman Blvd, Muskegon, MI, 49444 1822
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 28, 2026
Details
No additional details available.
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1075 E Sherman Blvd, Norton Shores, MI, 49444 1807
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 28, 2026
Details
As Low As
Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
507 E Main St, Niles, MI, 49120 2617
Adventure Loan
8.00%
▼
APR8.00%
Last UpdatedApril 28, 2026
Details
Credit Score: 750-799; Rate with 0% Down: 8.00%
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
27850 MOUND RD, WARREN, MI, 48092
Unsecured Loans
8.00%
▼
APR8.00%
Last UpdatedApril 28, 2026
Details
No additional details available.
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
27850 MOUND RD, WARREN, MI, 48092
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedApril 28, 2026
Details
As Low As
Detour Drummond Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
34857 S Townline Rd, Drummond Island, MI, 49726 9486
Signature Loan
8.00%
▼
APR8.00%
Last UpdatedApril 28, 2026
Details
As Low As
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
1381 N Bagley St, Alpena, MI, 49707 8101
Personal/Signature loan
8.00%
▼
APR8.00%
Last UpdatedApril 28, 2026
Details
As Low As
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
100 Galleria Officentre, Southfield, MI, 48034
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedApril 28, 2026
Details
No additional details available.
Tandem Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
21043 Mound Rd, Warren, MI, 48091 2903
Unsecured Loans
8.00%
▼
APR8.00%
Last UpdatedApril 28, 2026
Details
up to $10,000; As Low As
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
520 HAYDEN ST, SAGINAW, MI, 48607
Recreational Loans
8.00%
▼
APR8.00%
Last UpdatedApril 28, 2026
Details
No additional details available.
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
700 E Sharon Ave, Houghton, MI, 49931 1618
Used Personal Recreational (2024 and older) 72 Month
8.18%
▼
APR8.18%
Last UpdatedApril 28, 2026
Details
No additional details available.
CASE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.59%
4316 S Pennsylvania Ave, Lansing, MI, 48910
Technology Loan
8.25%
▼
APR8.25%
Last UpdatedApril 28, 2026
Details
As Low As
DOW
Institution Rating:
A+5.0 ★
600 E Lyon Rd, Midland, MI, 48640 5396
Personal Non-Rebate
8.25%
▼
APR8.25%
Last UpdatedApril 28, 2026
Details
As Low As
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI, 48381
Consumer Loan
8.46%
▼
APR8.46%
Last UpdatedApril 28, 2026
Details
As Low As
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI, 48381
Consumer Loan
8.50%
▼
APR8.50%
Last UpdatedApril 28, 2026
Details
As Low As
Awakon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
20855 Washington Ave, Onaway, MI, 49765
Consumer Loan
8.50%
▼
APR8.50%
Last UpdatedApril 28, 2026
Details
Starting at 12 months
Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
507 E Main St, Niles, MI, 49120 2617
Adventure Loan
8.50%
▼
APR8.50%
Last UpdatedApril 28, 2026
Details
Credit Score: 700-749; Rate with 0% Down: 8.50%
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
31300 Hoover Rd, Warren, MI, 48093 1774
Holiday Loan
8.50%
▼
APR8.50%
Last UpdatedApril 28, 2026
Details
No additional details available.
UP State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
123 S Lincoln Rd, Escanaba, MI, 49829 1339
Personal Loan
8.50%
▼
APR8.50%
Last UpdatedApril 28, 2026
Details
As Low As
Great Lakes First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
2110 3rd Ave N, Escanaba, MI, 49829 2333
Personal Loan
8.50%
▼
APR8.50%
Last UpdatedApril 28, 2026
Details
Rates as low as
Alpena Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
710 W Miller St, Alpena, MI, 49707 1875
Unsecured
8.50%
▼
APR8.50%
Last UpdatedApril 28, 2026
Details
As Low As
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
520 HAYDEN ST, SAGINAW, MI, 48607
Recreational Loans
8.50%
▼
APR8.50%
Last UpdatedApril 28, 2026
Details
No additional details available.
GraCo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
835 W Warwick Dr, Alma, MI, 48801 1147
Unsecured Loan
8.50%
▼
APR8.50%
Last UpdatedApril 28, 2026
Details
No additional details available.
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI, 48381
Consumer Loan
8.51%
▼
APR8.51%
Last UpdatedApril 28, 2026
Details
As Low As
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI, 48381
Consumer Loan
8.59%
▼
APR8.59%
Last UpdatedApril 28, 2026
Details
As Low As
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
211 W Center St, Alma, MI, 48801 2206
Signature Loans
8.65%
▼
APR8.65%
Last UpdatedApril 28, 2026
Details
up to $25,000; As Low As
United Bay Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
1309 N Lincoln St, Bay City, MI, 48708 6172
Loan
8.74%
▼
APR8.74%
Last UpdatedApril 28, 2026
Details
As Low As
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
715 Terrace St, Muskegon, MI, 49440
Unsecured Loans
8.74%
▼
APR8.74%
Last UpdatedApril 28, 2026
Details
As Low As
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
2100 Executive Hills Dr, Auburn Hills, MI, 48326 2947
Machinery/Equipment Loan
8.74%
▼
APR8.74%
Last UpdatedApril 28, 2026
Details
As Low As; A minimum of 20% down payment is required. Loans are not eligible for discounts, GAP, MRC or credit life/disability. Maximum Secured Loan $40,000, Maximum aggregate loan amount not to exceed $49,999
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.50%
2929 3rd Ave N, Escanaba, MI, 49829 4203
Consumer Loans
8.75%
▼
APR8.75%
Last UpdatedApril 28, 2026
Details
No additional details available.
Iron Mountain Kingsford Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
400 S Carpenter Ave, Kingsford, MI, 49802 4527
General Purpose Unsecured Loan
8.75%
▼
APR8.75%
Last UpdatedApril 28, 2026
Details
As Low As
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
30400 Telegraph Rd Ste 122, Bingham Farms, MI, 48025
Signature Installment Loan
8.75%
▼
APR8.75%
Last UpdatedApril 28, 2026
Details
No additional details available.
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI, 48381
Consumer Loan
8.76%
▼
APR8.76%
Last UpdatedApril 28, 2026
Details
As Low As
Marquette Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
1230 W Washington St, Marquette, MI, 49855
Personal
8.90%
▼
APR8.90%
Last UpdatedApril 28, 2026
Details
No additional details available.
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI, 48381
Consumer Loan
8.96%
▼
APR8.96%
Last UpdatedApril 28, 2026
Details
As Low As
South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
958 W Monroe St, Jackson, MI, 49202 2036
Other Unsecured Closed End Loans
8.99%
▼
APR8.99%
Last UpdatedApril 28, 2026
Details
As Low As
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
3095 S Commerce Rd, Wolverine Lake, MI, 48390 1418
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedApril 28, 2026
Details
As Low As; Up to $10,000.00
PORT CITY
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
460 W Laketon Ave, Muskegon, MI, 49441 2632
24 Month Unsecured Loan
8.99%
▼
APR8.99%
Last UpdatedApril 28, 2026
Details
As Low As; Multi Purpose 24 Month Loan
LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
106 N Marketplace Blvd, Lansing, MI, 48917 7753
Debt Consolidation Loan
8.99%
▼
APR8.99%
Last UpdatedApril 28, 2026
Details
As Low As
South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
958 W Monroe St, Jackson, MI, 49202 2036
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedApril 28, 2026
Details
As Low As
LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
106 N Marketplace Blvd, Lansing, MI, 48917 7753
Your Life. Your Loan.
8.99%
▼
APR8.99%
Last UpdatedApril 28, 2026
Details
As Low As
Filer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
1117 28th St, Manistee, MI, 49660
HOLIDAY LOAN
8.99%
▼
APR8.99%
Last UpdatedApril 28, 2026
Details
As Low As
Electrical Workers Local 58 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1366 porter ST, DETROIT, MI, 48226
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedApril 28, 2026
Details
As Low As; $4,00 Max
One Detroit Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
630 Howard St, Detroit, MI, 48226
Unsecured (Closed-End) Summer Fun Loans
8.99%
▼
APR8.99%
Last UpdatedApril 28, 2026
Details
As Low As
One Detroit Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
630 Howard St, Detroit, MI, 48226
Unsecured (Closed-End) Holiday Loan
8.99%
▼
APR8.99%
Last UpdatedApril 28, 2026
Details
As Low As
United Bay Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
1309 N Lincoln St, Bay City, MI, 48708 6172
Loan
8.99%
▼
APR8.99%
Last UpdatedApril 28, 2026
Details
As Low As
Electrical Workers Local 58 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1366 porter ST, DETROIT, MI, 48226
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedApril 28, 2026
Details
No additional details available.
Northwest Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
2948 Garfield Rd N, Traverse City, MI, 49686 5008
UNSECURED LOAN
9.00%
▼
APR9.00%
Last UpdatedApril 28, 2026
Details
TERMS UP TO 60 MONTHS
Community Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
18925 Telegraph Rd, Brownstown, MI, 48174 9546
Signature Loan
9.00%
▼
APR9.00%
Last UpdatedApril 28, 2026
Details
Loan Payment Calculator
Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 31.76%
1086 Creston St, Muskegon, MI, 49442
Signature Loan
9.00%
▼
APR9.00%
Last UpdatedApril 28, 2026
Details
As Low As
Wexford Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1021 N Mitchell St, Cadillac, MI, 49601 1256
Signature Loans
9.00%
▼
APR9.00%
Last UpdatedApril 28, 2026
Details
No additional details available.
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
6000 28th St SE, GRAND RAPIDS, MI, 49546
LIMITED-TIME LOAN SPECIAL
9.00%
▼
APR9.00%
Last UpdatedApril 28, 2026
Details
Valid through April 30
Tahquamenon Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
N 6747 M117, Engadine, MI, 49827
3 Year Signature Loan
9.20%
▼
APR9.20%
Last UpdatedApril 28, 2026
Details
As Low As
Tahquamenon Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
N 6747 M117, Engadine, MI, 49827
Signature Loans
9.20%
▼
APR9.20%
Last UpdatedApril 28, 2026
Details
As Low As
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
1100 S Bagley St, Alpena, MI, 49707 8104
Debt Consolidation Loan
9.20%
▼
APR9.20%
Last UpdatedApril 28, 2026
Details
Rate stated is "as low as" and not all borrowers may qualify.
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
1100 S Bagley St, Alpena, MI, 49707 8104
Signature Loan
9.20%
▼
APR9.20%
Last UpdatedApril 28, 2026
Details
Rate stated is "as low as" and not all borrowers may qualify.
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
615 W Maple Ave, Adrian, MI, 49221 1630
12 Month Unsecured Loan
9.25%
▼
APR9.25%
Last UpdatedApril 28, 2026
Details
As Low As; * For emergencies or vacations!
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI, 48381
Consumer Loan
9.37%
▼
APR9.37%
Last UpdatedApril 28, 2026
Details
As Low As
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI, 48381
Consumer Loan
9.41%
▼
APR9.41%
Last UpdatedApril 28, 2026
Details
As Low As
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
6180 State St, Saginaw, MI, 48603
Land Loan
9.48%
▼
APR9.48%
Last UpdatedApril 28, 2026
Details
20% Down Payment, Payments amortized up to 240 months
United Bay Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
1309 N Lincoln St, Bay City, MI, 48708 6172
Loan
9.49%
▼
APR9.49%
Last UpdatedApril 28, 2026
Details
As Low As
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
576 E Lincoln St, Birmingham, MI, 48009 1757
Unsecured - Closed End
9.49%
▼
APR9.49%
Last UpdatedApril 28, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
4550 STATE ST, SAGINAW, MI, 48603
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedApril 28, 2026
Details
As Low As
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
3095 S Commerce Rd, Wolverine Lake, MI, 48390 1418
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedApril 28, 2026
Details
As Low As; Up to $10,000.00
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1075 E Sherman Blvd, Norton Shores, MI, 49444 1807
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 28, 2026
Details
As Low As
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1888 E Sherman Blvd, Muskegon, MI, 49444 1822
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 28, 2026
Details
No additional details available.
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
3095 S Commerce Rd, Wolverine Lake, MI, 48390 1418
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 28, 2026
Details
As Low As; Up to $10,000.00
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
100 Galleria Officentre, Southfield, MI, 48034
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedApril 28, 2026
Details
No additional details available.
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
27850 MOUND RD, WARREN, MI, 48092
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedApril 28, 2026
Details
As Low As
UP State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
123 S Lincoln Rd, Escanaba, MI, 49829 1339
Personal Loan
8.50%
▼
APR8.50%
Last UpdatedApril 28, 2026
Details
As Low As
Great Lakes First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
2110 3rd Ave N, Escanaba, MI, 49829 2333
Personal Loan
8.50%
▼
APR8.50%
Last UpdatedApril 28, 2026
Details
Rates as low as
Electrical Workers Local 58 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1366 porter ST, DETROIT, MI, 48226
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedApril 28, 2026
Details
As Low As; $4,00 Max
Electrical Workers Local 58 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1366 porter ST, DETROIT, MI, 48226
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedApril 28, 2026
Details
No additional details available.
South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
958 W Monroe St, Jackson, MI, 49202 2036
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedApril 28, 2026
Details
As Low As
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
3095 S Commerce Rd, Wolverine Lake, MI, 48390 1418
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedApril 28, 2026
Details
As Low As; Up to $10,000.00
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
4550 STATE ST, SAGINAW, MI, 48603
Debt Consolidation
6.99%
▼
APR6.99%
Last UpdatedApril 28, 2026
Details
As Low As
Iron Mountain Kingsford Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
400 S Carpenter Ave, Kingsford, MI, 49802 4527
Debt Consolidation Loan
7.00%
▼
APR7.00%
Last UpdatedApril 28, 2026
Details
No additional details available.
LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
106 N Marketplace Blvd, Lansing, MI, 48917 7753
Debt Consolidation Loan
8.99%
▼
APR8.99%
Last UpdatedApril 28, 2026
Details
As Low As
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
1100 S Bagley St, Alpena, MI, 49707 8104
Debt Consolidation Loan
9.20%
▼
APR9.20%
Last UpdatedApril 28, 2026
Details
Rate stated is "as low as" and not all borrowers may qualify.
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
630 32nd St SE, Grand Rapids, MI, 49548 2306
Debt Consolidation Loan
10.09%
▼
APR10.09%
Last UpdatedApril 28, 2026
Details
No additional details available.
People Driven Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
24333 Lahser Rd, Southfield, MI, 48033 6041
Debt Consolidation
10.74%
▼
APR10.74%
Last UpdatedApril 28, 2026
Details
As Low As
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
790 Joslyn Ave, Pontiac, MI, 48340 2918
Personal and Debt Consolidation
11.24%
▼
APR11.24%
Last UpdatedApril 28, 2026
Details
No additional details available.
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
6640 Bay Rd, Saginaw, MI, 48604
Debt Consolidation
11.49%
▼
APR11.49%
Last UpdatedApril 28, 2026
Details
As Low As; Rates are based on the applicant's credit score.
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
G3381 Van Slyke Rd, Flint, MI, 48507 3263
Debt Consolidation Loan
11.99%
▼
APR11.99%
Last UpdatedApril 28, 2026
Details
As Low As; with Loyalty Discount
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
G3381 Van Slyke Rd, Flint, MI, 48507 3263
Debt Consolidation
11.99%
▼
APR11.99%
Last UpdatedApril 28, 2026
Details
As Low As
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
790 Joslyn Ave, Pontiac, MI, 48340 2918
Personal and Debt Consolidation
12.24%
▼
APR12.24%
Last UpdatedApril 28, 2026
Details
No additional details available.
Intandem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
1619 Plainfield AVE NE, Grand Rapids, MI, 49505 4703
Debt Consolidation
12.49%
▼
APR12.49%
Last UpdatedApril 28, 2026
Details
As Low As
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
790 Joslyn Ave, Pontiac, MI, 48340 2918
Personal and Debt Consolidation
13.24%
▼
APR13.24%
Last UpdatedApril 28, 2026
Details
No additional details available.
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
3777 West Rd, East Lansing, MI, 48823 8029
Debt Consolidation Loan
13.24%
▼
APR13.24%
Last UpdatedApril 28, 2026
Details
As Low As; ...
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Toyota Technical Center, Saline, MI, 48176
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedApril 28, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Toyota Technical Center, Saline, MI, 48176
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedApril 28, 2026
Details
As Low As
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
3777 West Rd, East Lansing, MI, 48823 8029
Debt Consolidation Loan
14.74%
▼
APR14.74%
Last UpdatedApril 28, 2026
Details
As Low As; ...
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
3777 West Rd, East Lansing, MI, 48823 8029
Debt Consolidation Loan
17.99%
▼
APR17.99%
Last UpdatedApril 28, 2026
Details
As Low As
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Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6000 28th St SE, Grand Rapids, MI, 49546 6927
Share/Signature
4.00%
▼
APR4.00%
Last UpdatedApril 28, 2026
Details
No additional details available.
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6000 28th St SE, Grand Rapids, MI, 49546 6927
Signature Loans
4.50%
▼
APR4.50%
Last UpdatedApril 28, 2026
Details
No additional details available.
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
473 E Division St, Dowagiac, MI, 49047 1541
Signature/Unsecured
5.75%
▼
APR5.75%
Last UpdatedApril 28, 2026
Details
No additional details available.
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
31300 Hoover Rd, Warren, MI, 48093 1774
Closed End Signature Loan
5.99%
▼
APR5.99%
Last UpdatedApril 28, 2026
Details
No additional details available.
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
473 E Division St, Dowagiac, MI, 49047 1541
Signature/Unsecured
7.75%
▼
APR7.75%
Last UpdatedApril 28, 2026
Details
No additional details available.
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
2182 Lakeshore Dr, Muskegon, MI, 49441 1414
Signature Loan 12 Months
7.99%
▼
APR7.99%
Last UpdatedApril 28, 2026
Details
No additional details available.
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
2182 Lakeshore Dr, Muskegon, MI, 49441 1414
Signature Loan 24 Months
7.99%
▼
APR7.99%
Last UpdatedApril 28, 2026
Details
No additional details available.
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
2182 Lakeshore Dr, Muskegon, MI, 49441 1414
Signature Loan 36 Months
7.99%
▼
APR7.99%
Last UpdatedApril 28, 2026
Details
No additional details available.
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
2182 Lakeshore Dr, Muskegon, MI, 49441 1414
Signature Loans
7.99%
▼
APR7.99%
Last UpdatedApril 28, 2026
Details
As Low As; APR as low as 7.99%
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
1381 N Bagley St, Alpena, MI, 49707 8101
Personal/Signature loan
8.00%
▼
APR8.00%
Last UpdatedApril 28, 2026
Details
As Low As
Detour Drummond Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
34857 S Townline Rd, Drummond Island, MI, 49726 9486
Signature Loan
8.00%
▼
APR8.00%
Last UpdatedApril 28, 2026
Details
As Low As
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
211 W Center St, Alma, MI, 48801 2206
Signature Loans
8.65%
▼
APR8.65%
Last UpdatedApril 28, 2026
Details
up to $25,000; As Low As
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
30400 Telegraph Rd Ste 122, Bingham Farms, MI, 48025
Signature Installment Loan
8.75%
▼
APR8.75%
Last UpdatedApril 28, 2026
Details
No additional details available.
Wexford Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1021 N Mitchell St, Cadillac, MI, 49601 1256
Signature Loans
9.00%
▼
APR9.00%
Last UpdatedApril 28, 2026
Details
No additional details available.
Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 31.76%
1086 Creston St, Muskegon, MI, 49442
Signature Loan
9.00%
▼
APR9.00%
Last UpdatedApril 28, 2026
Details
As Low As
Community Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
18925 Telegraph Rd, Brownstown, MI, 48174 9546
Signature Loan
9.00%
▼
APR9.00%
Last UpdatedApril 28, 2026
Details
Loan Payment Calculator
Tahquamenon Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
N 6747 M117, Engadine, MI, 49827
3 Year Signature Loan
9.20%
▼
APR9.20%
Last UpdatedApril 28, 2026
Details
As Low As
Tahquamenon Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
N 6747 M117, Engadine, MI, 49827
Signature Loans
9.20%
▼
APR9.20%
Last UpdatedApril 28, 2026
Details
As Low As
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
1100 S Bagley St, Alpena, MI, 49707 8104
Signature Loan
9.20%
▼
APR9.20%
Last UpdatedApril 28, 2026
Details
Rate stated is "as low as" and not all borrowers may qualify.
Powered by
MonitorBankRates
No home improvement personal loan rates found in Michigan currently.
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.
Personal Loan — MI Avg
11.623%
▲ 0.047 vs 7 days ago
Michigan personal loan rates rose 0.047 points over the past 7 days to 11.623% APR.
Signature Loan — MI Avg
11.347%
▲ 0.013 vs 7 days ago
Michigan signature loan rates rose 0.013 points over the past 7 days to 11.347% APR.
As of Apr 28, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions
What credit score do I need for a personal loan in Michigan?
Most lenders in Michigan require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in Michigan often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in Michigan require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.
Can I use a personal loan for debt consolidation in Michigan?
Yes. Debt consolidation is one of the most common uses of personal loans in Michigan. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.
Are credit unions or banks better for personal loans in Michigan?
Credit unions in Michigan often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.
What are the best personal loan rates in Michigan?
- Route 31 Federal Credit Union: 3.99% (Expressway Loans)
- Maui Teachers Federal Credit Union: 4.00% (Share/Signature)
- Frankenmuth Credit Union: 4.00% (Share Pledged Loan)
- Members First Credit Union Midland, MI: 4.00% (Share Pledge Loans)
- Northwest Consumers Federal Credit Union: 4.00% (Share Pledge Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Michigan. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 27, 2026.
