Best Personal Loan Rates in Bay City, Michigan - July 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 Bay City, Michigan include: ELGA Credit UnionELGA Credit Union1479 Straits Dr, Bay City, MI, 48706A+5.0 ★Texas Ratio: 4.95% offering Any Moment Loan at 4.50% APR, Frankenmuth Credit UnionFrankenmuth Credit Union800 N Euclid Ave, Bay City, MI, 48706A5.0 ★Texas Ratio: 7.85% offering 2025 or newer Loan at 5.26% APR, Jolt Credit UnionJolt Credit Union915 S Euclid Ave, Bay City, MI, 48706A+5.0 ★Texas Ratio: 1.26% offering 10 Year Balloon Loan at 5.33% APR, Lake Huron Credit UnionLake Huron Credit Union314 E Midland St, Bay City, MI, 48706A+5.0 ★Texas Ratio: 3.95% offering Other Titled or Non-titled Loans at 6.99% APR, and Team One Credit UnionTeam One Credit Union401 E MIDLAND ST, BAY CITY, MI, 48706A+5.0 ★Texas Ratio: 4.99% offering Vacant Land Loan at 6.99% APR. Personal loan rates as of July 6, 2026 according to verified data from MonitorBankRates.
Bay City has 10 local institutions in our database, with personal loan rates as low as 4.50% APR from ELGA Credit Union at 1479 Straits Dr, Bay City, MI, 48706. 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 Bay City, Michigan.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Bay City, 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 6, 2026
Bay City Personal Loan Rates
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20% Down Payment
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5% Down Payment
As Low As; Model 5 Years Old & Newer Qualify
As Low As
5% Down Payment
No additional details available.
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As low as 6.625%
As low as 6.625%
As low as 6.625%
10% Down Payment
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.
No additional details available.
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Rates are subject to change | Call or visit Team One Credit Union for further details.
As low as 7.500%
No additional details available.
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No additional details available.
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No additional details available.
Get it best loan rate
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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.
As Low As; Rates may change at any time. contact us SFCU for more details.
As Low As; 10%**
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As Low As; Rates may change at any time. contact us SFCU for more details.
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As Low As; Rates may change at any time. contact us SFCU for more details.
As Low As; Rates may change at any time. contact us SFCU for more details.
Rates are subject to change | Call or visit Team One Credit Union for further details.
No additional details available.
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.
As Low As
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.
No additional details available.
As Low As; Loyalty Discount**
Eligible for Take-Back
Eligible for Take-Back
As Low As; Loyalty Discount**
As Low As; Loyalty Discount**
As Low As; Loyalty Discount**
No additional details available.
As Low As; Loyalty Discount**
As Low As; Loyalty Discount**
As Low As; Loyalty Discount**
No additional details available.
No additional details available.
No Credit Check; Must be a member of Jolt for at least 180 days with an open account and in good standing. Must have a monthly direct deposit into a Jolt checking or savings account, and a monthly direct deposit aggregate total of at least $1,000 in the prior 90 days. Must be employed at your current employer for at least the last 90 days, are not past due on any loans, and have not caused Jolt CU a loss and/or do not have a negative deposit balance. Members currently in bankruptcy are not eligible. Must be 18 years or older to apply. A $60 non-refundable processing fee will be deducted from your checking or savings account regardless of loan approval status. Member can have a maximum of one (1) Let's Go Loan open at a time. Additional restrictions and conditions may apply. Loan may be changed or discontinued at any time.
Rate=15.59%
As Low As
As low as; APR is Annual Percentage Rate. Click for details.
No additional details available.
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As Low As; Rate subject to risk adjustment. Credit restrictions apply.
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.
No additional details available.
No additional details available.
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As Low As; APR*
As Low As; APR*
As Low As; APR*
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As Low As; Loan Amount: $1,000
No additional details available.
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As Low As; Rates based on credit score.
No additional details available.
As Low As; APR*
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0.00% for first 90 days.
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As Low As; Rate subject to risk adjustment. Credit restrictions apply.
As Low As; Up to 60
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As Low As
No additional details available.
Must provide travel itinerary
No additional details available.
No additional details available.
No additional details available.
Our 84 month vehicle loan product is for loans greater than or equal to $40,000.00 and for vehicles classified as a brand new vehicle.
No additional details available.
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No additional details available.
As Low As; Rates based on credit score.
Spring into Retirement
No additional details available.
loan values over $40,000
No additional details available.
No additional details available.
As Low As
As Low As
Rates listed above are estimates, and may vary by term selected. For 2024 and newer vehicles.
As Low As;*
Amount: $20,000.00 and Over
No additional details available.
No additional details available.
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As Low As; Rates based on credit score.
As Low As; APR*
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No additional details available.
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No additional details available.
Rates are determined by the repayment terms Loan proceeds to be paid directly to contractor.
No additional details available.
All rates are based on 725 credit score.
As Low As
No additional details available.
No additional details available.
As Low As; Rates based on credit score.
As Low As; APR*
As Low As; APR*
No additional details available.
As Low As*; Annual Percentage Yield designated as APR. Rates, terms and availability of product subject to change without notice. Proof of Income is required. Approximate monthly payment would be $85.95 per $1,000 borrowed at 5.74% for 12 months.
No additional details available.
No additional details available.
Amount: $30,000.00 and Over
No additional details available.
Credit Score: 700-800
No additional details available.
As Low As
No additional details available.
As low as
Includes Lawn & Garden, ATV, Snowmobile, Off-Road Motorcycle, 4-Wheeler & Side-by-side72 - 84 Month available on purchases over $15,000.00.
Includes Lawn & Garden, ATV, Snowmobile, Off-Road Motorcycle-Wheeler & Side-by-sides
Secured Loan Pricing - Base Rates (as low as). Certain Restrictions Apply on Closed End Signature Loans
Secured Loan Pricing - Base Rates (as low as)
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No additional details available.
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As Low As; Promotional rate from June 1st through August 31st, 2026.
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Variable rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
APR = Annual Percentage Rate. Rates listed above are estimates, and may vary by term selected.
Credit Score: 700-800
As Low As
Amount: $20,000 and Over
Credit Level: Gold
No additional details available.
No additional details available.
No additional details available.
Fixed rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
As Low As; 6.00%
Variable rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
Variable rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
Bay City Personal Loan Rates
As Low As
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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.
As Low As
As Low As
As Low As
Rates are subject to change | Call or visit Team One Credit Union for further 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.
As Low As
No additional details available.
As Low As; Loyalty Discount**
As Low As; Loyalty Discount**
As Low As; Loyalty Discount**
No additional details available.
As Low As; Loyalty Discount**
As Low As; Loyalty Discount**
As Low As; Loyalty Discount**
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.
Bay City Debt Consolidation Loan Rates
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.
As Low As; Loyalty Discount**
On debt consolidation loans, bills that are to be paid with the proceeds must be presented to the Credit Union for payment.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
Bay City Signature Loan Rates
No additional details available.
As Low As; Rates may change at any time. contact us SFCU for more details.
As Low As; Rates may change at any time. contact us SFCU for more details.
As Low As; Rates may change at any time. contact us SFCU for more details.
As Low As; Rates may change at any time. contact us SFCU for more details.
Eligible for Take-Back
Eligible for Take-Back
No additional details available.
No additional details available.
Credit Score: 700-800
Secured Loan Pricing - Base Rates (as low as). Certain Restrictions Apply on Closed End Signature Loans
Credit Score: 700-800
Bay City, MI Personal Loan Rate Trends
Compare local Bay City, 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 0.030 points over the past 7 days to 11.580% APR.
Michigan signature loan rates currently average 10.841% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Bay City, 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 Bay City, 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 Bay City, Michigan. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in MI.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.
Frequently Asked Questions
What credit score do I need for a personal loan in Michigan?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Michigan?
Are credit unions or banks better for personal loans in Bay City, Michigan?
What are the best personal loan rates in Bay City, Michigan?
- ELGA Credit Union: 4.50% (Any Moment Loan)
- Frankenmuth Credit Union: 5.26% (2025 or newer Loan)
- Jolt Credit Union: 5.33% (10 Year Balloon Loan)
- Lake Huron Credit Union: 6.99% (Other Titled or Non-titled Loans)
- Team One Credit Union: 6.99% (Vacant Land Loan)
Personal Loan Calculators
