Best Personal Loan Rates in Ann Arbor, Michigan (MI) - April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Ann Arbor, Michigan include: Dfcu Financial Credit UnionDfcu Financial Credit Union2910 Carpenter Rd, Ann Arbor, MI, 48108A+5.0 ★Texas Ratio: 1.05% offering Share Loan at 6.00% APR, Michigan Schools And Government Credit UnionMichigan Schools And Government Credit Union2151 W Stadium Blvd, Ann Arbor, MI, 48103 4543A+5.0 ★Texas Ratio: 3.83% offering Vacant Land Loan 10 Year Fixed at 7.45% APR, University of Michigan Credit UnionUniversity of Michigan Credit Union340 E Huron St, Ann Arbor, MI, 48104A5.0 ★Texas Ratio: 6.02% offering My Choice Loan at 9.75% APR, Lake Trust Credit UnionLake Trust Credit Union2222 Packard St, Ann Arbor, MI, 48104 6368A5.0 ★Texas Ratio: 7.40% offering Unsecured/Signature Loan at 10.50% APR, and Bank of Ann ArborBank of Ann Arbor125 S 5th Ave, Ann Arbor, MI, 48104A+5.0 ★Texas Ratio: 4.20% offering Personal Loan at 11.20% APR. Personal loan rates as of April 12, 2026 according to verified data from MonitorBankRates.
Ann Arbor has 6 local institutions in our database, with personal loan rates as low as 6.00% APR from Dfcu Financial Credit Union at 2910 Carpenter Rd, Ann Arbor, MI, 48108. Use the tabs below to compare all available personal loan types. 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 Ann Arbor, Michigan.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Ann Arbor, 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 12, 2026
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As Low As; Minimum loan amount: $500; Predictable monthly payments over a fixed term; Good for a large single purchase or expense; No collateral required; No application fee; No pre-payment penalty; Up to 120 monthly payments or single payment terms
Loan amount $5,000 - $25,000; Sample Annual Percentage Rates (APRs), are calculated based on $7,500 balance for the maximum term allowed and impacted by our $100 Processing fee. The Processing fee is a fee that borrowers pay before or during the loan closing process. These are fees that borrowers need to pay out of pocket in order to finalize a loan. Interest Rates vary based on credit score. Autopay Discount Rates: A 0.25% discount applies for loans whose payments are made automatically from a Bank of Ann Arbor checking or savings account. Rates effective 10/31/2025 and subject to change at any time.
Loan amount $5,000 - $25,000; Sample Annual Percentage Rates (APRs), are calculated based on $7,500 balance for the maximum term allowed and impacted by our $100 Processing fee. The Processing fee is a fee that borrowers pay before or during the loan closing process. These are fees that borrowers need to pay out of pocket in order to finalize a loan. Interest Rates vary based on credit score. Rates effective 10/31/2025 and subject to change at any time.
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As Low As; for example funds in a 1.00%APY product; Savings Product + 3.00%
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As Low As; Members who set up an active checking account can qualify for a 0.50% discount off the posted rate tiers (for auto and recreational). Integra First defines an active checking account as one set up with direct deposit and auto pay on the loan.
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This APR will vary with the market based on the dividend rate.
Must provide travel itinerary
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Rates are determined by the repayment terms; Loan proceeds to be paid directly to contractor.
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As Low As; Rates, terms and availability of product subject to change without notice. Proof of Income is required.
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75% of stock value
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As Low As; Lower rates than typical credit cards (starting at 6.99% APR)
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As Low As; Terms are dependent upon amount financed. Rates for loan categories represent the lowest rate available to qualified borrowers. Rates are based on the member's credit history. 100% financing and 84 month term available to qualified borrowers.
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Credit Score: 800+
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As Low As; All rates featured are listed ''as low as'' and are subject to credit approval and credit score. Share Secured loans are secured with a Primary Share account with ID 0001. Rates and terms subject to change without notice. Please contact Shore to Shore for the latest rates. Some restrictions may apply.
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Multi Purpose 12 Month Loan
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Credit Score: 750-799
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As Low As; Max. Amount of Approval: $10,000 (single)
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As Low As; Max. Amount of Approval: $15,000 (joint)
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Credit Score: 700-749
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Loan amount $5,000 - $25,000; Sample Annual Percentage Rates (APRs), are calculated based on $7,500 balance for the maximum term allowed and impacted by our $100 Processing fee. The Processing fee is a fee that borrowers pay before or during the loan closing process. These are fees that borrowers need to pay out of pocket in order to finalize a loan. Interest Rates vary based on credit score. Autopay Discount Rates: A 0.25% discount applies for loans whose payments are made automatically from a Bank of Ann Arbor checking or savings account. Rates effective 10/31/2025 and subject to change at any time.
Loan amount $5,000 - $25,000; Sample Annual Percentage Rates (APRs), are calculated based on $7,500 balance for the maximum term allowed and impacted by our $100 Processing fee. The Processing fee is a fee that borrowers pay before or during the loan closing process. These are fees that borrowers need to pay out of pocket in order to finalize a loan. Interest Rates vary based on credit score. Rates effective 10/31/2025 and subject to change at any time.
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As Low As; Rate and APR advertised assumes a FICO Credit Score of 680 or better and an example My $ Loan amount financed of $5,000. The payment examples shown above do not include optional insurance premium amounts, which will increase your monthly payment obligation. Your payment may vary based on the term, credit score and amount financed.
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As Low As; Minimum loan amount: $500; Predictable monthly payments over a fixed term; Good for a large single purchase or expense; No collateral required; No application fee; No pre-payment penalty; Up to 120 monthly payments or single payment terms
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Ann Arbor, MI Personal Loan Rate Trends
Compare local Ann Arbor, MI personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Michigan personal loan rates rose 0.676 points over the past 7 days to 11.153% APR.
Michigan signature loan rates fell 1.313 points over the past 7 days to 11.133% APR.
Frequently Asked Questions
What credit score do I need for a personal loan in Michigan?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Michigan?
Are credit unions or banks better for personal loans in Ann Arbor, Michigan?
What are the best personal loan rates in Ann Arbor, Michigan?
- Dfcu Financial Credit Union: 6.00% (Share Loan)
- Michigan Schools And Government Credit Union: 7.45% (Vacant Land Loan 10 Year Fixed)
- University of Michigan Credit Union: 9.75% (My Choice Loan)
- Lake Trust Credit Union: 10.50% (Unsecured/Signature Loan)
- Bank of Ann Arbor: 11.20% (Personal Loan)
Personal Loan Calculators
