Best Personal Loan Rates in Dowagiac, Michigan (MI) - April 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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- Location-Based Rate Tables
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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 Dowagiac, Michigan include: Dowagiac Area Federal Credit UnionDowagiac Area Federal Credit Union473 E Division St, Dowagiac, MI, 49047 1541A5.0 ★Texas Ratio: 8.04% offering Money Saver Loan at 4.75% APR, Honor Credit UnionHonor Credit Union56337 M 51 S, Dowagiac, MI, 49047A+5.0 ★Texas Ratio: 5.80% offering Personal Loan at 11.99% APR, Route 31 Federal Credit UnionRoute 31 Federal Credit UnionA+5.0 ★Texas Ratio: 2.54% offering Expressway Loans at 3.99% APR, Maui Teachers Federal Credit UnionMaui Teachers Federal Credit UnionA+5.0 ★Texas Ratio: 0.00% offering Share/Signature at 4.00% APR, and Frankenmuth Credit UnionFrankenmuth Credit UnionA5.0 ★Texas Ratio: 8.43% offering Share Pledged Loan at 4.00% APR. Personal loan rates as of April 6, 2026 according to verified data from MonitorBankRates.
Dowagiac has 2 local institutions in our database, with personal loan rates as low as 4.75% APR from Dowagiac Area Federal Credit Union at 473 E Division St, Dowagiac, MI, 49047 1541. 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 Dowagiac, Michigan.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Dowagiac, 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
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: 8.04%
473 E Division St, Dowagiac, MI, 49047 1541
Money Saver Loan
4.75%
▼
APR4.75%
Last UpdatedApril 7, 2026
Details
No additional details available.
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
473 E Division St, Dowagiac, MI, 49047 1541
Signature/Unsecured
5.75%
▼
APR5.75%
Last UpdatedApril 7, 2026
Details
No additional details available.
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
473 E Division St, Dowagiac, MI, 49047 1541
One-Time Close Construction Loan Rate
6.63%
▼
APR6.63%
Last UpdatedApril 7, 2026
Details
No additional details available.
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
473 E Division St, Dowagiac, MI, 49047 1541
Signature/Unsecured
7.75%
▼
APR7.75%
Last UpdatedApril 7, 2026
Details
No additional details available.
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
473 E Division St, Dowagiac, MI, 49047 1541
Signature/Unsecured
9.75%
▼
APR9.75%
Last UpdatedApril 7, 2026
Details
No additional details available.
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
473 E Division St, Dowagiac, MI, 49047 1541
Signature/Unsecured
11.75%
▼
APR11.75%
Last UpdatedApril 7, 2026
Details
No additional details available.
Honor Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
56337 M 51 S, Dowagiac, MI, 49047
Personal Loan
11.99%
▼
APR11.99%
Last UpdatedApril 7, 2026
Details
As Low As
Honor Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
56337 M 51 S, Dowagiac, MI, 49047
Personal Loan
12.99%
▼
APR12.99%
Last UpdatedApril 7, 2026
Details
As Low As
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
473 E Division St, Dowagiac, MI, 49047 1541
Signature/Unsecured
13.75%
▼
APR13.75%
Last UpdatedApril 7, 2026
Details
No additional details available.
Honor Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
56337 M 51 S, Dowagiac, MI, 49047
Personal Loan
13.99%
▼
APR13.99%
Last UpdatedApril 7, 2026
Details
As Low As
Honor Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
56337 M 51 S, Dowagiac, MI, 49047
Personal Loan
14.99%
▼
APR14.99%
Last UpdatedApril 7, 2026
Details
As Low As
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
Expressway Loans
3.99%
▼
APR3.99%
Last UpdatedApril 7, 2026
Details
As Low As
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Share/Signature
4.00%
▼
APR4.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
Share Pledged Loan
4.00%
▼
APR4.00%
Last UpdatedApril 7, 2026
Details
As Low As; for example funds in a 1.00%APY product; Savings Product + 3.00%
Members First Credit Union Midland, MI
Institution Rating:
A5.0 ★Texas Ratio: 8.84%
Share Pledge Loans
4.00%
▼
APR4.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
Flagship Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
Personal Loan
4.45%
▼
APR4.45%
Last UpdatedApril 7, 2026
Details
As Low As
Integra First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
Recreational Loans
4.49%
▼
APR4.49%
Last UpdatedApril 7, 2026
Details
As Low As
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loans
4.50%
▼
APR4.50%
Last UpdatedApril 7, 2026
Details
No additional details available.
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Solar Heater Loan
4.50%
▼
APR4.50%
Last UpdatedApril 7, 2026
Details
No additional details available.
Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Truck Loans
4.65%
▼
APR4.65%
Last UpdatedApril 7, 2026
Details
As Low As; And 90 Days No Payment1
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
Electric/Hybrid Loans (2026-2022)
4.70%
▼
APR4.70%
Last UpdatedApril 7, 2026
Details
As Low As
APR4.74%
Last UpdatedApril 7, 2026
Details
As Low As
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
Electric/Hybrid Loans (2026-2022)
4.95%
▼
APR4.95%
Last UpdatedApril 7, 2026
Details
As Low As
Integra First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
Recreational Loan
4.99%
▼
APR4.99%
Last UpdatedApril 7, 2026
Details
As Low As
APR4.99%
Last UpdatedApril 7, 2026
Details
As Low As
Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
New Lawn Mower Loan
4.99%
▼
APR4.99%
Last UpdatedApril 7, 2026
Details
As Low As; mo
Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
New Tractor Loan
4.99%
▼
APR4.99%
Last UpdatedApril 7, 2026
Details
As Low As
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Vacation Loans
5.00%
▼
APR5.00%
Last UpdatedApril 7, 2026
Details
Must provide travel itinerary
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
Credit Saver Loan
5.00%
▼
APR5.00%
Last UpdatedApril 7, 2026
Details
This APR will vary with the market based on the dividend rate.
APR5.24%
Last UpdatedApril 7, 2026
Details
As Low As
APR5.25%
Last UpdatedApril 7, 2026
Details
As Low As; Financing up to 84 months. No down payment required.
APR5.25%
Last UpdatedApril 7, 2026
Details
No additional details available.
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
Medical Residency Refinance Loan
5.45%
▼
APR5.45%
Last UpdatedApril 7, 2026
Details
Fixed rates
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
Electric/Hybrid Loans (2021-2016)
5.45%
▼
APR5.45%
Last UpdatedApril 7, 2026
Details
As Low As
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
Electric/Hybrid Loans (2026-2022) 36-month term
5.45%
▼
APR5.45%
Last UpdatedApril 7, 2026
Details
As Low As
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
Electric/Hybrid Loans (2026-2022) 48-month term
5.45%
▼
APR5.45%
Last UpdatedApril 7, 2026
Details
As Low As
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
Electric/Hybrid Loans (2026-2022) 60-month term
5.45%
▼
APR5.45%
Last UpdatedApril 7, 2026
Details
As Low As
APR5.49%
Last UpdatedApril 7, 2026
Details
As Low As
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
Recreational Loans
5.50%
▼
APR5.50%
Last UpdatedApril 7, 2026
Details
No additional details available.
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Photovoltaic Loans
5.50%
▼
APR5.50%
Last UpdatedApril 7, 2026
Details
Rates are determined by the repayment terms; Loan proceeds to be paid directly to contractor.
APR5.51%
Last UpdatedApril 7, 2026
Details
Your interest rate and monthly payments can fluctuate during the repayment period.
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
Medical Residency Refinance Loan
5.51%
▼
APR5.51%
Last UpdatedApril 7, 2026
Details
Variable rates
Integra First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
Recreational Loan
5.59%
▼
APR5.59%
Last UpdatedApril 7, 2026
Details
As Low As
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
Electric/Hybrid Loans (2021-2016)
5.70%
▼
APR5.70%
Last UpdatedApril 7, 2026
Details
As Low As
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
Electric/Hybrid Loans (2026-2022)
5.70%
▼
APR5.70%
Last UpdatedApril 7, 2026
Details
As Low As
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
Electric/Hybrid Loans (2026-2022) 72-month term
5.70%
▼
APR5.70%
Last UpdatedApril 7, 2026
Details
As Low As
APR5.74%
Last UpdatedApril 7, 2026
Details
As Low As; Proof of Income is required.
APR5.99%
Last UpdatedApril 7, 2026
Details
0% Down
Compass Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Recreational Loan Special
5.99%
▼
APR5.99%
Last UpdatedApril 7, 2026
Details
As Low As
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
Closed End Signature Loan
5.99%
▼
APR5.99%
Last UpdatedApril 7, 2026
Details
As Low As
APR5.99%
Last UpdatedApril 7, 2026
Details
As Low As
Chiropractic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
New Equipment Loan
5.99%
▼
APR5.99%
Last UpdatedApril 7, 2026
Details
Relationship APR
APR6.24%
Last UpdatedApril 7, 2026
Details
0% Down
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
10 Year Construction Loan
6.25%
▼
APR6.25%
Last UpdatedApril 7, 2026
Details
As Low As
APR6.25%
Last UpdatedApril 7, 2026
Details
No additional details available.
APR6.34%
Last UpdatedApril 7, 2026
Details
As Low As
APR6.34%
Last UpdatedApril 7, 2026
Details
As Low As
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
Electric/Hybrid Loans (2026-2022) 84-month term
6.45%
▼
APR6.45%
Last UpdatedApril 7, 2026
Details
As Low As
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
Electric/Hybrid Loans (2021-2016)
6.45%
▼
APR6.45%
Last UpdatedApril 7, 2026
Details
As Low As
APR6.46%
Last UpdatedApril 7, 2026
Details
As Low As
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
Recreational Loans
6.49%
▼
APR6.49%
Last UpdatedApril 7, 2026
Details
As Low As; 2025 and Newer
Chiropractic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
Used Equipment Loan
6.49%
▼
APR6.49%
Last UpdatedApril 7, 2026
Details
Relationship APR
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
New Personal Recreational (2025-2026) 24 Month
6.49%
▼
APR6.49%
Last UpdatedApril 7, 2026
Details
No additional details available.
APR6.49%
Last UpdatedApril 7, 2026
Details
As Low As
APR6.49%
Last UpdatedApril 7, 2026
Details
0% Down
APR6.49%
Last UpdatedApril 7, 2026
Details
As Low As
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
Recreational Loans
6.50%
▼
APR6.50%
Last UpdatedApril 7, 2026
Details
No additional details available.
Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
Norfolk Southern Stock Loan
6.50%
▼
APR6.50%
Last UpdatedApril 7, 2026
Details
75% of stock value
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
New Personal Recreational (2025-2026) 48 Month
6.50%
▼
APR6.50%
Last UpdatedApril 7, 2026
Details
No additional details available.
APR6.51%
Last UpdatedApril 7, 2026
Details
As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
New Personal Recreational (2025-2026) 36 Month
6.58%
▼
APR6.58%
Last UpdatedApril 7, 2026
Details
No additional details available.
APR6.68%
Last UpdatedApril 7, 2026
Details
As Low As
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
Recreational Loans
6.74%
▼
APR6.74%
Last UpdatedApril 7, 2026
Details
As Low As; 2024-2017
APR6.74%
Last UpdatedApril 7, 2026
Details
0% Down
Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
New R.V. Loan
6.75%
▼
APR6.75%
Last UpdatedApril 7, 2026
Details
As Low As
APR6.84%
Last UpdatedApril 7, 2026
Details
As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
Land Loan 10-year
6.91%
▼
APR6.91%
Last UpdatedApril 7, 2026
Details
No additional details available.
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
Land Loan 62-Month Balloon
6.94%
▼
APR6.94%
Last UpdatedApril 7, 2026
Details
30-Year Amortization
APR6.96%
Last UpdatedApril 7, 2026
Details
As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
New Personal Recreational (2025-2026) 60 Month
6.96%
▼
APR6.96%
Last UpdatedApril 7, 2026
Details
No additional details available.
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedApril 7, 2026
Details
As Low As
Chiropractic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
New Equipment Loan
6.99%
▼
APR6.99%
Last UpdatedApril 7, 2026
Details
Fixed APR
Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Debt Consolidation
6.99%
▼
APR6.99%
Last UpdatedApril 7, 2026
Details
As Low As
Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedApril 7, 2026
Details
As Low As
APR6.99%
Last UpdatedApril 7, 2026
Details
As Low As
United Bay Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
Personal Loans
6.99%
▼
APR6.99%
Last UpdatedApril 7, 2026
Details
As Low As; Vacation; A Special Occasion; Debt Consolidation
United Bay Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
Unsecured Loan
6.99%
▼
APR6.99%
Last UpdatedApril 7, 2026
Details
As Low As; Over 50% of loan amt must be new money
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
Vacation Loans
6.99%
▼
APR6.99%
Last UpdatedApril 7, 2026
Details
As Low As; Lower rates than typical credit cards (starting at 6.99% APR)
APR6.99%
Last UpdatedApril 7, 2026
Details
As Low As
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
Green & White Loan
7.00%
▼
APR7.00%
Last UpdatedApril 7, 2026
Details
As Low As
APR7.00%
Last UpdatedApril 7, 2026
Details
As Low As; Vehicle repairs or updates; Family vacations; Education expenses; Debt consolidation; Wedding planning; And more
Harborlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
All Other Closed End Loans
7.00%
▼
APR7.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
Recreational Loans
7.00%
▼
APR7.00%
Last UpdatedApril 7, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
Collateralized Loans (Backed by property, other than Real Estate)
7.00%
▼
APR7.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
Berkeley Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Personal Loans
7.00%
▼
APR7.00%
Last UpdatedApril 7, 2026
Details
As Low As
Steuben Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Personal Loans
7.00%
▼
APR7.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
Steuben Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Other Collateral Loans
7.00%
▼
APR7.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
Iron Mountain Kingsford Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
Debt Consolidation Loan
7.00%
▼
APR7.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
APR7.01%
Last UpdatedApril 7, 2026
Details
As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
New Personal Recreational (2025-2026) 72 Month
7.18%
▼
APR7.18%
Last UpdatedApril 7, 2026
Details
No additional details available.
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
Used Personal Recreational (2024 and older) 24 Month
7.24%
▼
APR7.24%
Last UpdatedApril 7, 2026
Details
No additional details available.
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
POWER SPORTS LOAN 2019 and Newer
7.25%
▼
APR7.25%
Last UpdatedApril 7, 2026
Details
As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
Used Personal Recreational (2024 and older) 48 Month
7.26%
▼
APR7.26%
Last UpdatedApril 7, 2026
Details
No additional details available.
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
Vacant Land Loans 5 Year Balloon
7.26%
▼
APR7.26%
Last UpdatedApril 7, 2026
Details
As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
Used Personal Recreational (2024 and older) 36 Month
7.34%
▼
APR7.34%
Last UpdatedApril 7, 2026
Details
No additional details available.
Chiropractic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
Used Equipment Loan
7.49%
▼
APR7.49%
Last UpdatedApril 7, 2026
Details
Fixed APR
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
Recreational Loans
7.50%
▼
APR7.50%
Last UpdatedApril 7, 2026
Details
No additional details available.
APR7.50%
Last UpdatedApril 7, 2026
Details
No additional details available.
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
Recreational Loans
7.50%
▼
APR7.50%
Last UpdatedApril 7, 2026
Details
As Low As
Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
Adventure Loan
7.50%
▼
APR7.50%
Last UpdatedApril 7, 2026
Details
Credit Score: 800+
Steuben Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Other Collateral Loans
7.50%
▼
APR7.50%
Last UpdatedApril 7, 2026
Details
No additional details available.
Michigan Schools And Government Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
10 Year Fixed Vacant Land Loan
7.58%
▼
APR7.58%
Last UpdatedApril 7, 2026
Details
As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
Used Personal Recreational (2024 and older) 60 Month
7.71%
▼
APR7.71%
Last UpdatedApril 7, 2026
Details
No additional details available.
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.50%
Consumer Loans
7.75%
▼
APR7.75%
Last UpdatedApril 7, 2026
Details
No additional details available.
Highpoint Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
New Motorsports Loan
7.84%
▼
APR7.84%
Last UpdatedApril 7, 2026
Details
No additional details available.
APR7.99%
Last UpdatedApril 7, 2026
Details
Multi Purpose 12 Month Loan
Tri Cities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
HOLIDAY LOAN SPECIAL
7.99%
▼
APR7.99%
Last UpdatedApril 7, 2026
Details
As Low As; 12 Month Max
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
Signature Loans
7.99%
▼
APR7.99%
Last UpdatedApril 7, 2026
Details
As Low As
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 7, 2026
Details
No additional details available.
Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
Credit Growth Loan
7.99%
▼
APR7.99%
Last UpdatedApril 7, 2026
Details
Low fixed 7.99% APR*
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
Signature Loan
7.99%
▼
APR7.99%
Last UpdatedApril 7, 2026
Details
As Low As; 12 Months
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
Closed End Signature Loan
7.99%
▼
APR7.99%
Last UpdatedApril 7, 2026
Details
As Low As
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 7, 2026
Details
As Low As
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 7, 2026
Details
As Low As
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
Unsecured Closed End Loan
7.99%
▼
APR7.99%
Last UpdatedApril 7, 2026
Details
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.
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
Personal/Signature loan
8.00%
▼
APR8.00%
Last UpdatedApril 7, 2026
Details
As Low As
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
Unsecured Signature Loan
8.00%
▼
APR8.00%
Last UpdatedApril 7, 2026
Details
As Low As; Max. Amount of Approval: $10,000 (single)
APR8.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
APR8.00%
Last UpdatedApril 7, 2026
Details
As Low As; Max. Amount of Approval: $15,000 (joint)
Lake Superior Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
Debt Consolidation
8.00%
▼
APR8.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
Detour Drummond Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
Signature Loan
8.00%
▼
APR8.00%
Last UpdatedApril 7, 2026
Details
As Low As
APR8.00%
Last UpdatedApril 7, 2026
Details
As Low As
APR8.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedApril 7, 2026
Details
No Terms
Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
Adventure Loan
8.00%
▼
APR8.00%
Last UpdatedApril 7, 2026
Details
Credit Score: 750-799
Steuben Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
Great Lakes First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
Personal Loan
8.00%
▼
APR8.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
Integra First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
Recreational Loan
8.00%
▼
APR8.00%
Last UpdatedApril 7, 2026
Details
As Low As
Tandem Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
Unsecured Loans
8.00%
▼
APR8.00%
Last UpdatedApril 7, 2026
Details
up to $10,000; As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
Used Personal Recreational (2024 and older) 72 Month
8.18%
▼
APR8.18%
Last UpdatedApril 7, 2026
Details
No additional details available.
Integra First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
Recreational Loan
8.25%
▼
APR8.25%
Last UpdatedApril 7, 2026
Details
As Low As
APR8.25%
Last UpdatedApril 7, 2026
Details
As Low As
APR8.25%
Last UpdatedApril 7, 2026
Details
As Low As
APR8.25%
Last UpdatedApril 7, 2026
Details
As Low As
APR8.46%
Last UpdatedApril 7, 2026
Details
As Low As
APR8.50%
Last UpdatedApril 7, 2026
Details
As Low As
Great Lakes First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
PERSONAL LOAN
8.50%
▼
APR8.50%
Last UpdatedApril 7, 2026
Details
As Low As; FOR UP TO 24 MONTHS
Awakon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
Consumer Loan
8.50%
▼
APR8.50%
Last UpdatedApril 7, 2026
Details
As Low As; Starting at 12 months
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
Signature Loans
8.50%
▼
APR8.50%
Last UpdatedApril 7, 2026
Details
As Low As
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
Holiday Loan
8.50%
▼
APR8.50%
Last UpdatedApril 7, 2026
Details
As Low As
GraCo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
Unsecured Loan
8.50%
▼
APR8.50%
Last UpdatedApril 7, 2026
Details
No additional details available.
Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
Adventure Loan
8.50%
▼
APR8.50%
Last UpdatedApril 7, 2026
Details
Credit Score: 700-749
Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
Used R.V. Loan
8.50%
▼
APR8.50%
Last UpdatedApril 7, 2026
Details
As Low As
APR8.50%
Last UpdatedApril 7, 2026
Details
As Low As
APR8.50%
Last UpdatedApril 7, 2026
Details
No additional details available.
APR8.50%
Last UpdatedApril 7, 2026
Details
As Low As
Powered by
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Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Honor Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
56337 M 51 S, Dowagiac, MI, 49047
Personal Loan
11.99%
▼
APR11.99%
Last UpdatedApril 7, 2026
Details
As Low As
Honor Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
56337 M 51 S, Dowagiac, MI, 49047
Personal Loan
12.99%
▼
APR12.99%
Last UpdatedApril 7, 2026
Details
As Low As
Honor Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
56337 M 51 S, Dowagiac, MI, 49047
Personal Loan
13.99%
▼
APR13.99%
Last UpdatedApril 7, 2026
Details
As Low As
Honor Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
56337 M 51 S, Dowagiac, MI, 49047
Personal Loan
14.99%
▼
APR14.99%
Last UpdatedApril 7, 2026
Details
As Low As
Flagship Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
Personal Loan
4.45%
▼
APR4.45%
Last UpdatedApril 7, 2026
Details
As Low As
APR6.34%
Last UpdatedApril 7, 2026
Details
As Low As
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedApril 7, 2026
Details
As Low As
Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedApril 7, 2026
Details
As Low As
United Bay Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
Personal Loans
6.99%
▼
APR6.99%
Last UpdatedApril 7, 2026
Details
As Low As; Vacation; A Special Occasion; Debt Consolidation
Steuben Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Personal Loans
7.00%
▼
APR7.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
Berkeley Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Personal Loans
7.00%
▼
APR7.00%
Last UpdatedApril 7, 2026
Details
As Low As
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 7, 2026
Details
No additional details available.
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 7, 2026
Details
As Low As
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 7, 2026
Details
As Low As
Great Lakes First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
Personal Loan
8.00%
▼
APR8.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
Steuben Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedApril 7, 2026
Details
No Terms
APR8.00%
Last UpdatedApril 7, 2026
Details
As Low As
APR8.25%
Last UpdatedApril 7, 2026
Details
As Low As
APR8.25%
Last UpdatedApril 7, 2026
Details
As Low As
Great Lakes First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
PERSONAL LOAN
8.50%
▼
APR8.50%
Last UpdatedApril 7, 2026
Details
As Low As; FOR UP TO 24 MONTHS
APR8.50%
Last UpdatedApril 7, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Debt Consolidation
6.99%
▼
APR6.99%
Last UpdatedApril 7, 2026
Details
As Low As
Iron Mountain Kingsford Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
Debt Consolidation Loan
7.00%
▼
APR7.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
Lake Superior Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
Debt Consolidation
8.00%
▼
APR8.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
APR8.99%
Last UpdatedApril 7, 2026
Details
As Low As
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Debt Consolidation Loan
9.20%
▼
APR9.20%
Last UpdatedApril 7, 2026
Details
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.
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Debt Consolidation Loan
10.09%
▼
APR10.09%
Last UpdatedApril 7, 2026
Details
No additional details available.
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
Personal and Debt Consolidation
11.24%
▼
APR11.24%
Last UpdatedApril 7, 2026
Details
No additional details available.
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
Debt Consolidation
11.49%
▼
APR11.49%
Last UpdatedApril 7, 2026
Details
As Low As
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
Debt Consolidation Loan
11.99%
▼
APR11.99%
Last UpdatedApril 7, 2026
Details
As Low As; with Loyalty Discount
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
Personal and Debt Consolidation
12.24%
▼
APR12.24%
Last UpdatedApril 7, 2026
Details
No additional details available.
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
Personal and Debt Consolidation
13.24%
▼
APR13.24%
Last UpdatedApril 7, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedApril 7, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedApril 7, 2026
Details
As Low As
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
Debt Consolidation Loan
17.99%
▼
APR17.99%
Last UpdatedApril 7, 2026
Details
As Low As
Powered by
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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: 8.04%
473 E Division St, Dowagiac, MI, 49047 1541
Signature/Unsecured
5.75%
▼
APR5.75%
Last UpdatedApril 7, 2026
Details
No additional details available.
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
473 E Division St, Dowagiac, MI, 49047 1541
Signature/Unsecured
7.75%
▼
APR7.75%
Last UpdatedApril 7, 2026
Details
No additional details available.
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
473 E Division St, Dowagiac, MI, 49047 1541
Signature/Unsecured
9.75%
▼
APR9.75%
Last UpdatedApril 7, 2026
Details
No additional details available.
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
473 E Division St, Dowagiac, MI, 49047 1541
Signature/Unsecured
11.75%
▼
APR11.75%
Last UpdatedApril 7, 2026
Details
No additional details available.
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
473 E Division St, Dowagiac, MI, 49047 1541
Signature/Unsecured
13.75%
▼
APR13.75%
Last UpdatedApril 7, 2026
Details
No additional details available.
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Share/Signature
4.00%
▼
APR4.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loans
4.50%
▼
APR4.50%
Last UpdatedApril 7, 2026
Details
No additional details available.
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
Closed End Signature Loan
5.99%
▼
APR5.99%
Last UpdatedApril 7, 2026
Details
As Low As
APR7.00%
Last UpdatedApril 7, 2026
Details
As Low As; Vehicle repairs or updates; Family vacations; Education expenses; Debt consolidation; Wedding planning; And more
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
Closed End Signature Loan
7.99%
▼
APR7.99%
Last UpdatedApril 7, 2026
Details
As Low As
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
Signature Loan
7.99%
▼
APR7.99%
Last UpdatedApril 7, 2026
Details
As Low As; 12 Months
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
Signature Loans
7.99%
▼
APR7.99%
Last UpdatedApril 7, 2026
Details
As Low As
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
Personal/Signature loan
8.00%
▼
APR8.00%
Last UpdatedApril 7, 2026
Details
As Low As
Detour Drummond Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
Signature Loan
8.00%
▼
APR8.00%
Last UpdatedApril 7, 2026
Details
As Low As
APR8.00%
Last UpdatedApril 7, 2026
Details
As Low As; Max. Amount of Approval: $15,000 (joint)
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
Unsecured Signature Loan
8.00%
▼
APR8.00%
Last UpdatedApril 7, 2026
Details
As Low As; Max. Amount of Approval: $10,000 (single)
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
Signature Loans
8.50%
▼
APR8.50%
Last UpdatedApril 7, 2026
Details
As Low As
Powered by
MonitorBankRates
No home improvement personal loan rates found in Dowagiac, MI currently.
Dowagiac, MI Personal Loan Rate Trends
Compare local Dowagiac, 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.
Personal Loan — MI Avg
11.091%
▼ 0.479 vs 7 days ago
Michigan personal loan rates fell 0.479 points over the past 7 days to 11.091% APR.
Signature Loan — MI Avg
11.108%
Michigan signature loan rates currently average 11.108% APR.
As of Apr 7, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions
What credit score do I need for a personal loan in Michigan?
Most lenders in Dowagiac, 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 Dowagiac, 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 Dowagiac, 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 Dowagiac, Michigan?
Credit unions in Dowagiac, 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 Dowagiac, Michigan?
- Dowagiac Area Federal Credit Union: 4.75% (Money Saver Loan)
- Honor Credit Union: 11.99% (Personal Loan)
- Route 31 Federal Credit Union: 3.99% (Expressway Loans)
- Maui Teachers Federal Credit Union: 4.00% (Share/Signature)
- Frankenmuth Credit Union: 4.00% (Share Pledged Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Dowagiac, Michigan. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 6, 2026.
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