Best Personal Loan Rates in Michigan - July 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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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: 2.48% 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 2021 - 2026 Loan at 4.25% APR, Community West Credit UnionCommunity West Credit Union3089 44th St SW, Grandville, MI, 49418 2501A+5.0 ★Texas Ratio: 2.81% offering Variable Rate 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 Zeal Credit UnionZeal Credit Union17250 Newburgh Rd, Livonia, MI, 48152 2618A+5.0 ★Texas Ratio: 3.91% offering 2022 - 2023 - Terms up to 60 months Loan at 4.74% APR. Personal loan rates as of July 25, 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: July 25, 2026
Michigan Personal Loan Rates
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: 2.48%
715 Terrace St, Muskegon, MI, 49440
Expressway Loans
3.99%
▼
APR3.99%
Last UpdatedJuly 26, 2026
Details
As Low As
Baraga County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
101 E Broad St, Lanse, MI, 49946 1013
2021 - 2026 Loan
4.25%
▼
APR4.25%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
3089 44th St SW, Grandville, MI, 49418 2501
Variable Rate Loan
4.25%
▼
APR4.25%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Journey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
1200 Zeeb Dr, Saint Johns, MI, 48879 1150
Model Year 2022-2027 Loan
4.49%
▼
APR4.49%
Last UpdatedJuly 26, 2026
Details
As Low As
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
3089 44th St SW, Grandville, MI, 49418 2501
Electric/Hybrid Loans (2026-2022) 36-month term
4.70%
▼
APR4.70%
Last UpdatedJuly 26, 2026
Details
As Low As
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
3089 44th St SW, Grandville, MI, 49418 2501
Electric/Hybrid Loans (2026-2022) 48-month term
4.70%
▼
APR4.70%
Last UpdatedJuly 26, 2026
Details
As Low As
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
3089 44th St SW, Grandville, MI, 49418 2501
Electric/Hybrid Loans (2026-2022) 60-month term
4.70%
▼
APR4.70%
Last UpdatedJuly 26, 2026
Details
As Low As
Zeal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
17250 Newburgh Rd, Livonia, MI, 48152 2618
2022 - 2023 - Terms up to 60 months Loan
4.74%
▼
APR4.74%
Last UpdatedJuly 26, 2026
Details
As Low As
Zeal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
17250 Newburgh Rd, Livonia, MI, 48152 2618
2024 and Newer - Terms up to 60 months Loan
4.74%
▼
APR4.74%
Last UpdatedJuly 26, 2026
Details
As Low As
BlueOx Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.25%
115 Riverside Dr, Battle Creek, MI, 49015
Used - Model Years 2025 and Older Up to 60 Months Loan
4.74%
▼
APR4.74%
Last UpdatedJuly 26, 2026
Details
APR* as Low as
BlueOx Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.25%
115 Riverside Dr, Battle Creek, MI, 49015
New - Model Years 2025 to 2026 Up to 60 Months Loan
4.74%
▼
APR4.74%
Last UpdatedJuly 26, 2026
Details
APR* as Low as
TRUE Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.97%
2055 Spring Arbor Rd, Jackson, MI, 49203
Credit Builder Loan
4.75%
▼
APR4.75%
Last UpdatedJuly 26, 2026
Details
Loan Amount: $1,000
Baraga County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
101 E Broad St, Lanse, MI, 49946 1013
2016 - 2020 Loan
4.75%
▼
APR4.75%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Baraga County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
101 E Broad St, Lanse, MI, 49946 1013
2021 - 2026 Loan
4.75%
▼
APR4.75%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.66%
473 E Division St, Dowagiac, MI, 49047 1541
Money Saver Loan
4.75%
▼
APR4.75%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Isabella Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
2400 S Isabella RD, MT Pleasant, MI, 48858
New to 2019 Loan
4.90%
▼
APR4.90%
Last UpdatedJuly 26, 2026
Details
As Low As; Rates based on credit score.
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
3089 44th St SW, Grandville, MI, 49418 2501
Electric/Hybrid Loans (2026-2022) 72-month term
4.95%
▼
APR4.95%
Last UpdatedJuly 26, 2026
Details
As Low As
Journey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
1200 Zeeb Dr, Saint Johns, MI, 48879 1150
Model Year 2015-2021 Loan
4.99%
▼
APR4.99%
Last UpdatedJuly 26, 2026
Details
As Low As
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
20252 Ecorse Rd, Taylor, MI, 48180
New 2025-2026 Loan
4.99%
▼
APR4.99%
Last UpdatedJuly 26, 2026
Details
With auto pay from your UCCU saving or checking account. All loans are subject to credit approval. Rates based on creditworthiness, term of loan and age of vehicle.
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
3141 Capital Ave SW, Battle Creek, MI, 49015
2020 and Newer (Various terms) Loan
4.99%
▼
APR4.99%
Last UpdatedJuly 26, 2026
Details
As Low As
Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
5600 Crooks Rd Ste 101, Troy, MI, 48098
Tractors: New Loan
4.99%
▼
APR4.99%
Last UpdatedJuly 26, 2026
Details
As Low As
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
718 E Michigan Ave, Jackson, MI, 49201
Mobility Loan
4.99%
▼
APR4.99%
Last UpdatedJuly 26, 2026
Details
No additional details available.
University of Michigan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.61%
340 E Huron St, Ann Arbor, MI, 48104
Technology Loan
4.99%
▼
APR4.99%
Last UpdatedJuly 26, 2026
Details
0.00% for first 90 days.
Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
5600 Crooks Rd Ste 101, Troy, MI, 48098
Lawn Mowers: New Loan
4.99%
▼
APR4.99%
Last UpdatedJuly 26, 2026
Details
As Low As
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
3089 44th St SW, Grandville, MI, 49418 2501
Variable Rate Loan
5.00%
▼
APR5.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Marquette Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
1230 W Washington St, Marquette, MI, 49855
New - Used Loan
5.10%
▼
APR5.10%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Isabella Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
2400 S Isabella RD, MT Pleasant, MI, 48858
New to 2019 Loan
5.15%
▼
APR5.15%
Last UpdatedJuly 26, 2026
Details
As Low As; Rates based on credit score.
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
715 N Telegraph Rd, Monroe, MI, 48162 5130
Community Advantage (2024 and newer) Loan
5.24%
▼
APR5.24%
Last UpdatedJuly 26, 2026
Details
Rates listed above are estimates, and may vary by term selected.
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
718 E Michigan Ave, Jackson, MI, 49201
Tractor Loan
5.24%
▼
APR5.24%
Last UpdatedJuly 26, 2026
Details
As Low As;*
Zeal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
17250 Newburgh Rd, Livonia, MI, 48152 2618
2022 - 2023 - Terms 61 - 72 months Loan
5.24%
▼
APR5.24%
Last UpdatedJuly 26, 2026
Details
As Low As
Zeal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
17250 Newburgh Rd, Livonia, MI, 48152 2618
2024 and Newer - Terms 61 - 72 months Loan
5.24%
▼
APR5.24%
Last UpdatedJuly 26, 2026
Details
As Low As
Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
6230 Orchard Lake Rd, West Bloomfield, MI, 48322
2023 and Newer Loan
5.25%
▼
APR5.25%
Last UpdatedJuly 26, 2026
Details
As Low As
Baraga County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
101 E Broad St, Lanse, MI, 49946 1013
2015 & Older Loan
5.25%
▼
APR5.25%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Baraga County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
101 E Broad St, Lanse, MI, 49946 1013
2016 - 2020 Loan
5.25%
▼
APR5.25%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Baraga County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
101 E Broad St, Lanse, MI, 49946 1013
2021 - 2026 Loan
5.25%
▼
APR5.25%
Last UpdatedJuly 26, 2026
Details
Amount: $20,000.00 and Over
TBA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
2900 W South Airport Rd, Traverse City, MI, 49684 4611
2021 and Newer Loan
5.25%
▼
APR5.25%
Last UpdatedJuly 26, 2026
Details
As Low As with Direct Deposit
Highpoint Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
435 Arlington St, Middleville, MI, 49333
2024 & Newer Loan
5.31%
▼
APR5.31%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
6180 State St, Saginaw, MI, 48603
10 Year Balloon Loan
5.33%
▼
APR5.33%
Last UpdatedJuly 26, 2026
Details
20% Down Payment
Honor Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
8952 US Highway 31, Berrien Springs, MI, 49103
5.5 Year Balloon Loan
5.40%
▼
APR5.40%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Isabella Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
2400 S Isabella RD, MT Pleasant, MI, 48858
New to 2019 Loan
5.40%
▼
APR5.40%
Last UpdatedJuly 26, 2026
Details
As Low As; Rates based on credit score.
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
3089 44th St SW, Grandville, MI, 49418 2501
Electric/Hybrid Loans (2021-2016) - 36-month term
5.45%
▼
APR5.45%
Last UpdatedJuly 26, 2026
Details
As Low As
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
3089 44th St SW, Grandville, MI, 49418 2501
Electric/Hybrid Loans (2021-2016) - 48-month term
5.45%
▼
APR5.45%
Last UpdatedJuly 26, 2026
Details
As Low As
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
3089 44th St SW, Grandville, MI, 49418 2501
Electric/Hybrid Loans (2021-2016) - 60-month term
5.45%
▼
APR5.45%
Last UpdatedJuly 26, 2026
Details
As Low As
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
3089 44th St SW, Grandville, MI, 49418 2501
Electric/Hybrid Loans (2021-2016) 36-month term
5.45%
▼
APR5.45%
Last UpdatedJuly 26, 2026
Details
As Low As; APR*
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
3089 44th St SW, Grandville, MI, 49418 2501
Electric/Hybrid Loans (2021-2016) 48-month term
5.45%
▼
APR5.45%
Last UpdatedJuly 26, 2026
Details
As Low As; APR*
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
3089 44th St SW, Grandville, MI, 49418 2501
Electric/Hybrid Loans (2021-2016) 60-month term
5.45%
▼
APR5.45%
Last UpdatedJuly 26, 2026
Details
As Low As; APR*
Intandem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1619 Plainfield AVE NE, Grand Rapids, MI, 49505 4703
2024 - 2023 Loan
5.49%
▼
APR5.49%
Last UpdatedJuly 26, 2026
Details
As Low As; *
Zeal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
17250 Newburgh Rd, Livonia, MI, 48152 2618
2020 - 2021 - Terms up to 60 months Loan
5.49%
▼
APR5.49%
Last UpdatedJuly 26, 2026
Details
As Low As
Intandem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1619 Plainfield AVE NE, Grand Rapids, MI, 49505 4703
2025 and Newer Loan
5.49%
▼
APR5.49%
Last UpdatedJuly 26, 2026
Details
As Low As; *
BlueOx Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.25%
115 Riverside Dr, Battle Creek, MI, 49015
New - Model Years 2025 to 2026 61 to 72 Months Loan
5.49%
▼
APR5.49%
Last UpdatedJuly 26, 2026
Details
APR* as Low as
Intandem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1619 Plainfield AVE NE, Grand Rapids, MI, 49505 4703
2022 - 2017 Loan
5.49%
▼
APR5.49%
Last UpdatedJuly 26, 2026
Details
As Low As; *
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
20252 Ecorse Rd, Taylor, MI, 48180
New 2024-2025 Loan
5.49%
▼
APR5.49%
Last UpdatedJuly 26, 2026
Details
With auto pay from your UCCU saving or checking account. All loans are subject to credit approval. Rates based on creditworthiness, term of loan and age of vehicle.
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
20252 Ecorse Rd, Taylor, MI, 48180
2022-2024 Loan
5.49%
▼
APR5.49%
Last UpdatedJuly 26, 2026
Details
With auto pay from your UCCU saving or checking account. All loans are subject to credit approval. Rates based on creditworthiness, term of loan and age of vehicle.
BlueOx Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.25%
115 Riverside Dr, Battle Creek, MI, 49015
Used - Model Years 2025 and Older 61 to 72 Months Loan
5.49%
▼
APR5.49%
Last UpdatedJuly 26, 2026
Details
APR* as Low as
TBA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
2900 W South Airport Rd, Traverse City, MI, 49684 4611
2017-2020 Loan
5.50%
▼
APR5.50%
Last UpdatedJuly 26, 2026
Details
As Low As with Direct Deposit
TBA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
2900 W South Airport Rd, Traverse City, MI, 49684 4611
2021 and Newer Loan
5.50%
▼
APR5.50%
Last UpdatedJuly 26, 2026
Details
As Low As
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
715 N Telegraph Rd, Monroe, MI, 48162 5130
Sound Foundation Loan
5.50%
▼
APR5.50%
Last UpdatedJuly 26, 2026
Details
As Low As; *APR = Annual Percentage Rate
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
27850 MOUND RD, WARREN, MI, 48092
Recreational Loans
5.50%
▼
APR5.50%
Last UpdatedJuly 26, 2026
Details
All rates are based on 725 credit score.
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
27850 MOUND RD, WARREN, MI, 48092
Recreational Loan
5.50%
▼
APR5.50%
Last UpdatedJuly 26, 2026
Details
APR as low as
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
6180 State St, Saginaw, MI, 48603
10 Year Balloon Loan
5.51%
▼
APR5.51%
Last UpdatedJuly 26, 2026
Details
5% Down Payment
Highpoint Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
435 Arlington St, Middleville, MI, 49333
2022 & Newer Loan
5.57%
▼
APR5.57%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Marquette Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
1230 W Washington St, Marquette, MI, 49855
New - Used Loan
5.60%
▼
APR5.60%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Forest Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
638 Boyd St, Fife Lake, MI, 49633 9333
2021 - New Loan
5.64%
▼
APR5.64%
Last UpdatedJuly 26, 2026
Details
Rates as low as
Isabella Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
2400 S Isabella RD, MT Pleasant, MI, 48858
New to 2023 Loan
5.70%
▼
APR5.70%
Last UpdatedJuly 26, 2026
Details
As Low As; Rates based on credit score.
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
3089 44th St SW, Grandville, MI, 49418 2501
Electric/Hybrid Loans (2021-2016) - 72-month term
5.70%
▼
APR5.70%
Last UpdatedJuly 26, 2026
Details
As Low As
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
3089 44th St SW, Grandville, MI, 49418 2501
Electric/Hybrid Loans (2021-2016) 72-month term
5.70%
▼
APR5.70%
Last UpdatedJuly 26, 2026
Details
As Low As; APR*
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
3089 44th St SW, Grandville, MI, 49418 2501
Electric/Hybrid Loans (2026-2022) 84-month term
5.70%
▼
APR5.70%
Last UpdatedJuly 26, 2026
Details
As Low As
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI, 48326 2947
Personal Loan
5.74%
▼
APR5.74%
Last UpdatedJuly 26, 2026
Details
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.
Zeal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
17250 Newburgh Rd, Livonia, MI, 48152 2618
2018 - 2019 - Terms up to 60 months Loan
5.74%
▼
APR5.74%
Last UpdatedJuly 26, 2026
Details
As Low As
Zeal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
17250 Newburgh Rd, Livonia, MI, 48152 2618
2020 - 2021 - Terms 61 - 72 months Loan
5.74%
▼
APR5.74%
Last UpdatedJuly 26, 2026
Details
As Low As
TBA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
2900 W South Airport Rd, Traverse City, MI, 49684 4611
2021 and Newer Loan
5.75%
▼
APR5.75%
Last UpdatedJuly 26, 2026
Details
As Low As
TBA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
2900 W South Airport Rd, Traverse City, MI, 49684 4611
2017-2020 Loan
5.75%
▼
APR5.75%
Last UpdatedJuly 26, 2026
Details
As Low As
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.66%
473 E Division St, Dowagiac, MI, 49047 1541
Signature/Unsecured Loan
5.75%
▼
APR5.75%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Baraga County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
101 E Broad St, Lanse, MI, 49946 1013
2021 - 2026 Loan
5.75%
▼
APR5.75%
Last UpdatedJuly 26, 2026
Details
Amount: $30,000.00 and Over
University of Michigan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.61%
340 E Huron St, Ann Arbor, MI, 48104
10 year Loan
5.75%
▼
APR5.75%
Last UpdatedJuly 26, 2026
Details
Fixed Rate
Baraga County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
101 E Broad St, Lanse, MI, 49946 1013
2016 - 2020 Loan
5.75%
▼
APR5.75%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Baraga County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
101 E Broad St, Lanse, MI, 49946 1013
2015 & Older Loan
5.75%
▼
APR5.75%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Forest Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
638 Boyd St, Fife Lake, MI, 49633 9333
2021 - New Loan
5.84%
▼
APR5.84%
Last UpdatedJuly 26, 2026
Details
Rates as low as
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI, 48326 2947
2023 - newer Loan
5.99%
▼
APR5.99%
Last UpdatedJuly 26, 2026
Details
As Low As
Chiropractic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
23617 Liberty St, Farmington, MI, 48335
Equipment Loan New
5.99%
▼
APR5.99%
Last UpdatedJuly 26, 2026
Details
Relationship APR
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
7665 Merriman Rd, Romulus, MI, 48174 1920
Recreational Loan
5.99%
▼
APR5.99%
Last UpdatedJuly 26, 2026
Details
As Low As
Lake Superior Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
801 River St, Ontonagon, MI, 49953 1620
New Recreational Loan
5.99%
▼
APR5.99%
Last UpdatedJuly 26, 2026
Details
Includes Lawn & Garden, ATV, Snowmobile, Off-Road Motorcycle, 4-Wheeler & Side-by-side72 - 84 Month available on purchases over $15,000.00.
Lake Superior Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
801 River St, Ontonagon, MI, 49953 1620
Used Recreational Loan
5.99%
▼
APR5.99%
Last UpdatedJuly 26, 2026
Details
Includes Lawn & Garden, ATV, Snowmobile, Off-Road Motorcycle-Wheeler & Side-by-sides
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
31300 Hoover Rd, Warren, MI, 48093 1774
Closed End Signature Loan
5.99%
▼
APR5.99%
Last UpdatedJuly 26, 2026
Details
Secured Loan Pricing - Base Rates (as low as)
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
20252 Ecorse Rd, Taylor, MI, 48180
2022-2024 Loan
5.99%
▼
APR5.99%
Last UpdatedJuly 26, 2026
Details
With auto pay from your UCCU saving or checking account. All loans are subject to credit approval. Rates based on creditworthiness, term of loan and age of vehicle.
Zeal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
17250 Newburgh Rd, Livonia, MI, 48152 2618
2018 - 2019 - Terms 61 - 72 months Loan
5.99%
▼
APR5.99%
Last UpdatedJuly 26, 2026
Details
As Low As
Zeal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
17250 Newburgh Rd, Livonia, MI, 48152 2618
2024 and Newer - Terms 73 - 84 months Loan
5.99%
▼
APR5.99%
Last UpdatedJuly 26, 2026
Details
As Low As
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
31300 Hoover Rd, Warren, MI, 48093 1774
New and Used Loan
5.99%
▼
APR5.99%
Last UpdatedJuly 26, 2026
Details
Secured Loan Pricing - Base Rates (as low as)
TBA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
2900 W South Airport Rd, Traverse City, MI, 49684 4611
2021 and Newer Loan
6.00%
▼
APR6.00%
Last UpdatedJuly 26, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
400 Town Center Dr, Dearborn, MI, 48126
Personal Loan
6.00%
▼
APR6.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Family First Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.11%
1011 N Michigan Ave, Saginaw, MI, 48602 4326
9 Year Balloon - amortized 15/30 Loan
6.00%
▼
APR6.00%
Last UpdatedJuly 26, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.11%
1011 N Michigan Ave, Saginaw, MI, 48602 4326
7 Year Balloon - amortized 15/30 Loan
6.00%
▼
APR6.00%
Last UpdatedJuly 26, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.11%
1011 N Michigan Ave, Saginaw, MI, 48602 4326
5 Year Balloon - amortized 15/30 Loan
6.00%
▼
APR6.00%
Last UpdatedJuly 26, 2026
Details
As Low As
Tahquamenon Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
N 6747 M117, Engadine, MI, 49827
Recreation Loans
6.00%
▼
APR6.00%
Last UpdatedJuly 26, 2026
Details
As Low As
TBA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
2900 W South Airport Rd, Traverse City, MI, 49684 4611
2017-2020 Loan
6.00%
▼
APR6.00%
Last UpdatedJuly 26, 2026
Details
As Low As
TBA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
2900 W South Airport Rd, Traverse City, MI, 49684 4611
10 Year Purchase Primary Residence Loan
6.00%
▼
APR6.00%
Last UpdatedJuly 26, 2026
Details
As Low As; based on a $225K loan amount
GraCo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
835 W Warwick Dr, Alma, MI, 48801 1147
Closed-End H/E Loan
6.00%
▼
APR6.00%
Last UpdatedJuly 26, 2026
Details
$100,000.00 maximum - 1st Lien / $75,000 Max - 2nd Lien. Higher rates apply for combined loan to value ratios exceeding 80%. Call for additional terms and rates.
Great Lakes First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
2110 3rd Ave N, Escanaba, MI, 49829 2333
48 Months New Loan
6.00%
▼
APR6.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Great Lakes First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
2110 3rd Ave N, Escanaba, MI, 49829 2333
36 Months New Loan
6.00%
▼
APR6.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Great Lakes First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
2110 3rd Ave N, Escanaba, MI, 49829 2333
60 Months New Loan
6.00%
▼
APR6.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
First State Bank (MI)
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
16100 E 9 Mile Rd, Eastpointe, MI, 48021
10 Year Loan
6.09%
▼
APR6.09%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Great Lakes First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
2110 3rd Ave N, Escanaba, MI, 49829 2333
36 Months Used Loan
6.20%
▼
APR6.20%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Great Lakes First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
2110 3rd Ave N, Escanaba, MI, 49829 2333
48 Months Used Loan
6.20%
▼
APR6.20%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Great Lakes First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
2110 3rd Ave N, Escanaba, MI, 49829 2333
60 Months Used Loan
6.20%
▼
APR6.20%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.86%
34200 Utica Rd, Fraser, MI, 48026
2023 - 2024 Loan
6.24%
▼
APR6.24%
Last UpdatedJuly 26, 2026
Details
As Low As; Model Year: 2023 - 2024
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
715 N Telegraph Rd, Monroe, MI, 48162 5130
Large Recreation Loan
6.24%
▼
APR6.24%
Last UpdatedJuly 26, 2026
Details
Rates listed above are estimates, and may vary by term selected.
Forest Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
638 Boyd St, Fife Lake, MI, 49633 9333
2021 - New Loan
6.24%
▼
APR6.24%
Last UpdatedJuly 26, 2026
Details
Rates as low as
Baraga County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
101 E Broad St, Lanse, MI, 49946 1013
2016 - 2020 Loan
6.25%
▼
APR6.25%
Last UpdatedJuly 26, 2026
Details
Amount: $20,000 and Over
TBA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
2900 W South Airport Rd, Traverse City, MI, 49684 4611
2017-2020 Loan
6.25%
▼
APR6.25%
Last UpdatedJuly 26, 2026
Details
As Low As with Direct Deposit
Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
6230 Orchard Lake Rd, West Bloomfield, MI, 48322
2023 and Newer Loan
6.25%
▼
APR6.25%
Last UpdatedJuly 26, 2026
Details
As Low As
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
6000 28th St SE, GRAND RAPIDS, MI, 49546
Seasonal Special 12 Months Loan
6.25%
▼
APR6.25%
Last UpdatedJuly 26, 2026
Details
Credit Level: Gold; Credit Score: 730 and Up
Great Lakes First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
2110 3rd Ave N, Escanaba, MI, 49829 2333
72 Months New Loan
6.25%
▼
APR6.25%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
6180 State St, Saginaw, MI, 48603
MSHDA Loan
6.26%
▼
APR6.26%
Last UpdatedJuly 26, 2026
Details
5% Down Payment
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
26791 Ryan Rd, Warren, MI, 48091 4073
Medical residency loan
6.33%
▼
APR6.33%
Last UpdatedJuly 26, 2026
Details
Fixed rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
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 UpdatedJuly 26, 2026
Details
As Low As; 6.00%
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
3089 44th St SW, Grandville, MI, 49418 2501
Electric/Hybrid Loans (2021-2016) - 84-month term
6.45%
▼
APR6.45%
Last UpdatedJuly 26, 2026
Details
As Low As
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
3089 44th St SW, Grandville, MI, 49418 2501
Electric/Hybrid Loans (2021-2016) 84-month term
6.45%
▼
APR6.45%
Last UpdatedJuly 26, 2026
Details
As Low As; APR*
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 UpdatedJuly 26, 2026
Details
As Low As; 6.250%
BlueOx Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.25%
115 Riverside Dr, Battle Creek, MI, 49015
New - Model Years 2025 to 2026 73 to 84 Months Loan
6.49%
▼
APR6.49%
Last UpdatedJuly 26, 2026
Details
APR* as Low as
Zeal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
17250 Newburgh Rd, Livonia, MI, 48152 2618
2024 and Newer - Terms 85 - 96 months Loan
6.49%
▼
APR6.49%
Last UpdatedJuly 26, 2026
Details
As Low As
Zeal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
17250 Newburgh Rd, Livonia, MI, 48152 2618
2015 - 2017 - Terms up to 60 months Loan
6.49%
▼
APR6.49%
Last UpdatedJuly 26, 2026
Details
As Low As
BlueOx Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.25%
115 Riverside Dr, Battle Creek, MI, 49015
Used - Model Years 2025 and Older 73 to 84 Months Loan
6.49%
▼
APR6.49%
Last UpdatedJuly 26, 2026
Details
APR* as Low as
Chiropractic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
23617 Liberty St, Farmington, MI, 48335
Equipment Loan Used
6.49%
▼
APR6.49%
Last UpdatedJuly 26, 2026
Details
Relationship APR
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
New Personal Recreational Loan
6.49%
▼
APR6.49%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
1075 E Wilcox Ave, White Cloud, MI, 49349
Recreational Loans
6.49%
▼
APR6.49%
Last UpdatedJuly 26, 2026
Details
As Low As; financing for autos, boats, RVs, bikes, golf carts, ATVs, and more!
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.86%
34200 Utica Rd, Fraser, MI, 48026
2023 - 2024 Loan
6.49%
▼
APR6.49%
Last UpdatedJuly 26, 2026
Details
As Low As; Model Year: 2023 - 2024
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI, 48326 2947
2023 - newer Loan
6.49%
▼
APR6.49%
Last UpdatedJuly 26, 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
6.49%
▼
APR6.49%
Last UpdatedJuly 26, 2026
Details
As Low As; 6.00%
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
6000 28th St NE, Grand Rapids, MI, 49546
all other collateral Loan
6.50%
▼
APR6.50%
Last UpdatedJuly 26, 2026
Details
You must meet certain requirements.
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
20252 Ecorse Rd, Taylor, MI, 48180
2015- 2021 Loan
6.50%
▼
APR6.50%
Last UpdatedJuly 26, 2026
Details
With auto pay from your UCCU saving or checking account. All loans are subject to credit approval. Rates based on creditworthiness, term of loan and age of vehicle.
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
211 W Center St, Alma, MI, 48801 2206
Specialty Items Loan
6.50%
▼
APR6.50%
Last UpdatedJuly 26, 2026
Details
No additional details available.
TBA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
2900 W South Airport Rd, Traverse City, MI, 49684 4611
2017-2020 Loan
6.50%
▼
APR6.50%
Last UpdatedJuly 26, 2026
Details
As Low As
TBA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
2900 W South Airport Rd, Traverse City, MI, 49684 4611
2013-2016 Loan
6.50%
▼
APR6.50%
Last UpdatedJuly 26, 2026
Details
As Low As with Direct Deposit
GraCo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
835 W Warwick Dr, Alma, MI, 48801 1147
Closed-End H/E Loan
6.50%
▼
APR6.50%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Great Lakes First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
2110 3rd Ave N, Escanaba, MI, 49829 2333
72 Months Used Loan
6.50%
▼
APR6.50%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
New Personal Recreational Loan
6.50%
▼
APR6.50%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
26791 Ryan Rd, Warren, MI, 48091 4073
Dental residency loan
6.50%
▼
APR6.50%
Last UpdatedJuly 26, 2026
Details
Fixed rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
6230 Orchard Lake Rd, West Bloomfield, MI, 48322
2023 and Newer Loan
6.50%
▼
APR6.50%
Last UpdatedJuly 26, 2026
Details
As Low As
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
27850 MOUND RD, WARREN, MI, 48092
Recreational Loans
6.50%
▼
APR6.50%
Last UpdatedJuly 26, 2026
Details
All rates are based on 725 credit score; 84 month term on new vehicles only based on credit score.
Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
5600 Crooks Rd Ste 101, Troy, MI, 48098
Norfolk Southern Stock Loan
6.50%
▼
APR6.50%
Last UpdatedJuly 26, 2026
Details
75% of stock value
Great Lakes First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
2110 3rd Ave N, Escanaba, MI, 49829 2333
120 Months New Loan
6.50%
▼
APR6.50%
Last UpdatedJuly 26, 2026
Details
loan values over $30,000
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 UpdatedJuly 26, 2026
Details
As Low As; 6.250%
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
26791 Ryan Rd, Warren, MI, 48091 4073
Bar exam loan
6.51%
▼
APR6.51%
Last UpdatedJuly 26, 2026
Details
Variable rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
Honor Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
8952 US Highway 31, Berrien Springs, MI, 49103
7 Year Balloon Loan
6.53%
▼
APR6.53%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
New Personal Recreational Loan
6.58%
▼
APR6.58%
Last UpdatedJuly 26, 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 UpdatedJuly 26, 2026
Details
As Low As; 6.50%
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI, 48326 2947
2018 - 2022 Loan
6.74%
▼
APR6.74%
Last UpdatedJuly 26, 2026
Details
As Low As
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI, 48326 2947
2023 - newer Loan
6.74%
▼
APR6.74%
Last UpdatedJuly 26, 2026
Details
As Low As
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.86%
34200 Utica Rd, Fraser, MI, 48026
2020 - 2022 Loan
6.74%
▼
APR6.74%
Last UpdatedJuly 26, 2026
Details
As Low As; Model Year: 2020 - 2022
Powered by
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Michigan Personal Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI, 48326 2947
Personal Loan
5.74%
▼
APR5.74%
Last UpdatedJuly 26, 2026
Details
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.
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
400 Town Center Dr, Dearborn, MI, 48126
Personal Loan
6.00%
▼
APR6.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Powered by
MonitorBankRates
Michigan Debt Consolidation Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Lake Superior Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
801 River St, Ontonagon, MI, 49953 1620
Debt Consolidation Loan
8.00%
▼
APR8.00%
Last UpdatedJuly 26, 2026
Details
On debt consolidation loans, bills that are to be paid with the proceeds must be presented to the Credit Union for payment.
LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
106 N Marketplace Blvd, Lansing, MI, 48917 7753
Debt Consolidation Loan
8.99%
▼
APR8.99%
Last UpdatedJuly 26, 2026
Details
Annual Percentage Rate. Rates accurate as of 10/28/25. Programs, rates, terms and conditions are subject to change without notice. Subject to credit qualification and approval. Rate may vary based on individual creditworthiness. Additional restrictions may apply.
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
630 32nd St SE, Grand Rapids, MI, 49548 2306
Debt Consolidation Loan
10.09%
▼
APR10.09%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
6640 Bay Rd, Saginaw, MI, 48604
Debt Consolidation Loan
11.49%
▼
APR11.49%
Last UpdatedJuly 26, 2026
Details
As Low As; Loans are based on credit approval. Rates are subject to change without notice. Call the credit union for current rate. Rates are based on the applicant's credit score. There are no transaction, membership, activity, or participation fees.
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
G3381 Van Slyke Rd, Flint, MI, 48507 3263
Debt Consolidation Loan
11.99%
▼
APR11.99%
Last UpdatedJuly 26, 2026
Details
As Low As; Loyalty Discount**
Intandem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1619 Plainfield AVE NE, Grand Rapids, MI, 49505 4703
Debt Consolidation Loan
12.49%
▼
APR12.49%
Last UpdatedJuly 26, 2026
Details
As Low As*
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Toyota Technical Center, Saline, MI, 48176
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI, 48823 8029
Debt Consolidation Loan
17.99%
▼
APR17.99%
Last UpdatedJuly 26, 2026
Details
As Low As
Powered by
MonitorBankRates
Michigan Signature Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.66%
473 E Division St, Dowagiac, MI, 49047 1541
Signature/Unsecured Loan
5.75%
▼
APR5.75%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
31300 Hoover Rd, Warren, MI, 48093 1774
Closed End Signature Loan
5.99%
▼
APR5.99%
Last UpdatedJuly 26, 2026
Details
Secured Loan Pricing - Base Rates (as low as)
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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
11.271%
▲ 0.066 vs 7 days ago
Michigan personal loan rates rose 0.066 points over the past 7 days to 11.271% APR.
Signature Loan — MI Avg
11.641%
▲ 0.138 vs 7 days ago
Michigan signature loan rates rose 0.138 points over the past 7 days to 11.641% APR.
As of Jul 26, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
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?
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)
- Baraga County Federal Credit Union: 4.25% (2021 - 2026 Loan)
- Community West Credit Union: 4.25% (Variable Rate Loan)
- Journey Federal Credit Union: 4.49% (Model Year 2022-2027 Loan)
- Zeal Credit Union: 4.74% (2022 - 2023 - Terms up to 60 months 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: July 25, 2026.
