Best Personal Loan Rates in Birmingham, 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 Birmingham, Michigan include: Citizens BankCitizens Bank795 E Maple Rd, Birmingham, MI, 48009A5.0 ★Texas Ratio: 8.28% offering Medical Residency Refinance Loan at 5.45% APR, Michigan United Credit UnionMichigan United Credit Union576 E Lincoln St, Birmingham, MI, 48009 1757A+5.0 ★Texas Ratio: 1.33% offering Unsecured - Closed End at 9.49% APR, Bank of Ann ArborBank of Ann Arbor33583 Woodward Ave, Birmingham, MI, 48009A+5.0 ★Texas Ratio: 4.20% offering Personal Loan at 11.20% APR, Route 31 Federal Credit UnionRoute 31 Federal Credit UnionA+5.0 ★Texas Ratio: 2.54% offering Expressway Loans at 3.99% APR, and Maui Teachers Federal Credit UnionMaui Teachers Federal Credit UnionA+5.0 ★Texas Ratio: 0.00% offering Share/Signature at 4.00% APR. Personal loan rates as of April 9, 2026 according to verified data from MonitorBankRates.
Birmingham has 3 local institutions in our database, with personal loan rates as low as 5.45% APR from Citizens Bank at 795 E Maple Rd, Birmingham, MI, 48009. 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 Birmingham, Michigan.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Birmingham, 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 9, 2026
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Variable rates
Your interest rate and monthly payments can fluctuate during the repayment period.
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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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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.
Relationship APR
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75% of stock value
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0% Down
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30-Year Amortization
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As Low As; Lower rates than typical credit cards (starting at 6.99% APR)
Fixed APR
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As Low As; *APR is Annual Percentage Rate. 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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As Low As; Vehicle repairs or updates; Family vacations; Education expenses; Debt consolidation; Wedding planning; And more
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Fixed APR
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Credit Score: 800+
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Low fixed 7.99% APR*
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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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As Low As; Max. Amount of Approval: $10,000 (single)
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Credit Score: 750-799
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No Terms
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Credit Score: 700-749
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up to $25,000; As Low As
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As Low As; A minimum of 20% down payment is required. Loans are not eligible for discounts, GAP, MRC or credit life/disability. Approximate monthly payment would be $20.63 per $1,000 borrowed at 8.74% for 60 months. Maximum Secured Loan $40,000, Maximum aggregate loan amount not to exceed $49,999
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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.
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As Low As; Vehicle repairs or updates; Family vacations; Education expenses; Debt consolidation; Wedding planning; And more
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As Low As; Max. Amount of Approval: $15,000 (joint)
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up to $25,000; As Low As
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Birmingham, MI Personal Loan Rate Trends
Compare local Birmingham, 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 0.723 points over the past 7 days to 11.191% APR.
Michigan signature loan rates rose 0.599 points over the past 7 days to 11.079% 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 Birmingham, Michigan?
What are the best personal loan rates in Birmingham, Michigan?
- Citizens Bank: 5.45% (Medical Residency Refinance Loan)
- Michigan United Credit Union: 9.49% (Unsecured - Closed End)
- Bank of Ann Arbor: 11.20% (Personal Loan)
- Route 31 Federal Credit Union: 3.99% (Expressway Loans)
- Maui Teachers Federal Credit Union: 4.00% (Share/Signature)
Personal Loan Calculators
