Best Personal Loan Rates in Clarkston, 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 Clarkston, Michigan include: Citizens BankCitizens Bank7151 Oronville Road, Clarkston, MI, 48346A5.0 ★Texas Ratio: 8.28% offering Medical Residency Refinance Loan at 5.45% APR, Genisys Credit UnionGenisys Credit Union7357 Deer Lake Rd, Clarkston, MI, 48346 1214A+5.0 ★Texas Ratio: 5.03% offering Credit Builder Loan at 5.74% APR, Michigan State University Federal Credit UnionMichigan State University Federal Credit Union6051 Sashabaw Rd, Clarkston, MI, 48346A5.0 ★Texas Ratio: 9.68% offering Green & White Loan at 7.00% APR, Vibe Credit UnionVibe Credit Union6580 Dixie Hwy, Clarkston, MI, 48346 3419A+5.0 ★Texas Ratio: 5.71% offering Personal Term Loan at 11.24% APR, and Dort Financial Credit UnionDort Financial Credit Union5750 Baypointe Blvd, Clarkston, MI, 48346 3192A+5.0 ★Texas Ratio: 5.65% offering Signature Loans at 11.99% APR. Personal loan rates as of April 6, 2026 according to verified data from MonitorBankRates.
Clarkston has 5 local institutions in our database, with personal loan rates as low as 5.45% APR from Citizens Bank at 7151 Oronville Road, Clarkston, MI, 48346. 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 Clarkston, Michigan.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Clarkston, 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 6, 2026
Fixed rates
Variable rates
Your interest rate and monthly payments can fluctuate during the repayment period.
As Low As; Proof of Income is required.
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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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As Low As; A minimum of 20% down payment is required. Loans are not eligible for discounts, GAP, MRC or credit life/disability. Maximum total loan aggregate can not exceed $49,999.
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As Low As; *Annual Percentage Rates (APR) and terms may vary depending upon payment protection package, and Direct Deposit of payroll, social security or retirement with AutoPay set up from a Genisys checking or savings account. Must be Genisys Credit Union member for at least 3 months. Proof of Income is required.
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As Low As; *Approximate monthly payment would be $91.49 for $1,000 borrowed at 17.64% APR for 12 months. APR is annual percentage yield. Must have direct deposits of at least $1,500 per month deposited to a Genisys Credit Union account for the three months prior to application. Must be a member in good standing and not have any current loan delinquency or negative deposit account balance with Genisys Credit Union at the time of application. Direct deposit required, automatic payment encouraged. Only one Express Loan can be open at a time. No more than 3 new Express Loans in a six month rolling period. Limited time offer. Other rules and restrictions apply.
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$10,000
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As Low As; for example funds in a 1.00%APY product; Savings Product + 3.00%
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Must provide travel itinerary
This APR will vary with the market based on the dividend rate.
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As Low As; Financing up to 84 months. No down payment required.
No additional details available.
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Rates are determined by the repayment terms; Loan proceeds to be paid directly to contractor.
No additional details available.
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0% Down
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Relationship APR
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0% Down
As Low As; 2025 and Newer
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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; Over 50% of loan amt must be new money
As Low As; Vacation; A Special Occasion; Debt Consolidation
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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; Vehicle repairs or updates; Family vacations; Education expenses; Debt consolidation; Wedding planning; And more
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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.
As Low As; 12 Months
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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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As Low As; Max. Amount of Approval: $15,000 (joint)
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No Terms
Credit Score: 750-799
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up to $10,000; As Low As
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Credit Score: 700-749
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As Low As; Vacation; A Special Occasion; Debt Consolidation
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No Terms
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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; with Loyalty Discount
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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; 12 Months
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As Low As; Max. Amount of Approval: $15,000 (joint)
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Clarkston, MI Personal Loan Rate Trends
Compare local Clarkston, 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 fell 0.651 points over the past 7 days to 11.091% APR.
Michigan signature loan rates fell 0.184 points over the past 7 days to 11.108% 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 Clarkston, Michigan?
What are the best personal loan rates in Clarkston, Michigan?
- Citizens Bank: 5.45% (Medical Residency Refinance Loan)
- Genisys Credit Union: 5.74% (Credit Builder Loan)
- Michigan State University Federal Credit Union: 7.00% (Green & White Loan)
- Vibe Credit Union: 11.24% (Personal Term Loan)
- Dort Financial Credit Union: 11.99% (Signature Loans)
Personal Loan Calculators
