Best Personal Loan Rates in Howell, 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 Howell, Michigan include: LOC Credit UnionLOC Credit Union3020 E Grand River Ave, Howell, MI, 48843 8510A+5.0 ★Texas Ratio: 2.72% offering Personal Loan at 10.50% APR, Lake Trust Credit UnionLake Trust Credit Union4465 E Grand River Ave, Howell, MI, 48843A5.0 ★Texas Ratio: 7.40% offering Unsecured/Signature Loan at 10.50% APR, Bank of Ann ArborBank of Ann Arbor101 E Grand River Ave, Howell, MI, 48843A+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 Members First Credit Union Midland, MIMembers First Credit Union Midland, MIA5.0 ★Texas Ratio: 8.84% offering Share Pledge Loans at 4.00% APR. Personal loan rates as of April 12, 2026 according to verified data from MonitorBankRates.
Howell has 3 local institutions in our database, with personal loan rates as low as 10.50% APR from LOC Credit Union at 3020 E Grand River Ave, Howell, MI, 48843 8510. 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 Howell, Michigan.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Howell, 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 12, 2026
As Low As; Fixed Rate
As Low As; Minimum loan amount: $500; Predictable monthly payments over a fixed term; Good for a large single purchase or expense; No collateral required; No application fee; No pre-payment penalty; Up to 120 monthly payments or single payment terms
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.
As Low As; Fixed Rate
As Low As; Fixed Rate
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As Low As; for example funds in a 1.00%APY product; Savings Product + 3.00%
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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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This APR will vary with the market based on the dividend rate.
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.
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Relationship APR
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As Low As; 2025 and Newer
Relationship APR
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75% of stock value
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As Low As; 2024-2017
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(30-Year Amortization)
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Fixed APR
As Low As; 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; Lower rates than typical credit cards (starting at 6.99% APR)
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Fixed APR
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Credit Score: 800+
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As Low As; 12 Month Max
Multi Purpose 12 Month Loan
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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No Terms
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up to $10,000; As Low As
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Credit Score: 750-799
No additional details available.
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As Low As; Max. Amount of Approval: $10,000 (single)
No additional details available.
As Low As; Max. Amount of Approval: $15,000 (joint)
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Credit Score: 700-749
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As Low As; Starting at 12 months
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As Low As; FOR UP TO 24 MONTHS
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As Low As; Fixed Rate
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.
As Low As; Fixed Rate
As Low As; Fixed Rate
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No Terms
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As Low As; FOR UP TO 24 MONTHS
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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. The payment examples shown above do not include optional insurance premium amounts, which will increase your monthly payment obligation. Your payment may vary based on the term, credit score and amount financed.
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As Low As; with Loyalty Discount**
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As Low As; Minimum loan amount: $500; Predictable monthly payments over a fixed term; Good for a large single purchase or expense; No collateral required; No application fee; No pre-payment penalty; Up to 120 monthly payments or single payment terms
No additional details available.
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As Low As; Max. Amount of Approval: $15,000 (joint)
As Low As; Max. Amount of Approval: $10,000 (single)
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Howell, MI Personal Loan Rate Trends
Compare local Howell, 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 currently average 11.516% APR.
Michigan signature loan rates currently average 11.188% 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 Howell, Michigan?
What are the best personal loan rates in Howell, Michigan?
- LOC Credit Union: 10.50% (Personal Loan)
- Lake Trust Credit Union: 10.50% (Unsecured/Signature Loan)
- Bank of Ann Arbor: 11.20% (Personal Loan)
- Route 31 Federal Credit Union: 3.99% (Expressway Loans)
- Members First Credit Union Midland, MI: 4.00% (Share Pledge Loans)
Personal Loan Calculators
