Best Personal Loan Rates in East Lansing, Michigan - July
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in East Lansing, Michigan include: Consumers Credit UnionConsumers Credit Union2763 E Grand River Ave, East Lansing, MI, 48823A+5.0 ★Texas Ratio: 2.97% offering 7 Years Old and Newer Loan at 5.99% APR, Michigan State University Federal Credit UnionMichigan State University Federal Credit Union3777 West Rd, East Lansing, MI, 48823 8029A5.0 ★Texas Ratio: 8.72% offering Vacant Land Lot Loan at 6.97% APR, CASE Credit UnionCASE Credit Union2400 West Rd, East Lansing, MI, 48823 7347A5.0 ★Texas Ratio: 6.75% offering Technology Loan at 8.25% APR, Lake Trust Credit UnionLake Trust Credit Union1300 W Lake Lansing Rd, East Lansing, MI, 48823A5.0 ★Texas Ratio: 6.85% offering Unsecured/Signature Loan at 10.50% APR, and Eaton Community BankEaton Community Bank1390 W Lake Lansing Rd, East Lansing, MI, 48823A+5.0 ★Texas Ratio: 0.81% offering Unsecured Term Loans at 12.62% APR. Personal loan rates as of July 6, 2026 according to verified data from MonitorBankRates.
East Lansing has 5 local institutions in our database, with personal loan rates as low as 5.99% APR from Consumers Credit Union at 2763 E Grand River Ave, East Lansing, MI, 48823. 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 East Lansing, Michigan.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in East Lansing, 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
East Lansing Personal Loan Rates
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As Low As; 7.000%
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As Low As; No collateral required; No application fee; No pre-payment penalty
Actual rate and loan term is based on borrower's creditworthiness and amount borrowed. Allowable terms vary by loan amount. Loan subject to approval. A loan officer will inform you of the rate and term you qualify for after reviewing your loan application documents.
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Fixed-rate terms available; No collateral required; First payment due up to 60 days after approval; Maximum loan amount: $4,000; Proof of hardship due to company layoff/furlough, government employee shutdown, natural disaster, etc. is required; Apply online, by phone at 888.267.7200 , or in person at any Lake Trust relationship center to see if you qualify; Must be a Lake Trust member for at least 6 months to apply; Interest begins to accrue on date of loan disbursement.
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As low as; APR is Annual Percentage Rate. Click for details.
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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.
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As Low As; Loan Amount: $1,000
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As Low As; Rates based on credit score.
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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.
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Must provide travel itinerary
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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.
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As Low As; Rates based on credit score.
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loan values over $40,000
Spring into Retirement
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Rates listed above are estimates, and may vary by term selected. For 2024 and newer vehicles.
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Amount: $20,000.00 and Over
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20% Down Payment
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As Low As; Rates based on credit score.
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Rates are determined by the repayment terms Loan proceeds to be paid directly to contractor.
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All rates are based on 725 credit score.
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5% Down Payment
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As Low As; Rates based on credit score.
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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.
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Amount: $30,000.00 and Over
Credit Score: 700-800
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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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As Low As; Promotional rate from June 1st through August 31st, 2026.
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As Low As; Model 5 Years Old & Newer Qualify
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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.
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Credit Score: 700-800
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Credit Level: Gold
Amount: $20,000 and Over
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5% Down Payment
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%
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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.
East Lansing Personal Loan Rates
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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.
East Lansing Debt Consolidation Loan Rates
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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.
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**
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East Lansing Signature Loan Rates
As Low As; No collateral required; No application fee; No pre-payment penalty
Actual rate and loan term is based on borrower's creditworthiness and amount borrowed. Allowable terms vary by loan amount. Loan subject to approval. A loan officer will inform you of the rate and term you qualify for after reviewing your loan application documents.
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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
East Lansing, MI Personal Loan Rate Trends
Compare local East Lansing, 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 East Lansing, 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 East Lansing, 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 East Lansing, 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 East Lansing, Michigan?
What are the best personal loan rates in East Lansing, Michigan?
- Consumers Credit Union: 5.99% (7 Years Old and Newer Loan)
- Michigan State University Federal Credit Union: 6.97% (Vacant Land Lot Loan)
- CASE Credit Union: 8.25% (Technology Loan)
- Lake Trust Credit Union: 10.50% (Unsecured/Signature Loan)
- Eaton Community Bank: 12.62% (Unsecured Term Loans)
East Lansing, Michigan Rates & Resources
Personal Loan Calculators
