Best Personal Loan Rates in Macomb, Michigan - July 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 Macomb, Michigan include: First State Bank (MI)First State Bank (MI)53050 Romeo Plank Rd, Macomb, MI, 48042A+5.0 ★Texas Ratio: 1.41% offering 10 Year Loan at 6.09% APR, Genisys Credit UnionGenisys Credit UnionA+5.0 ★Texas Ratio: 4.68% offering Transfer Balances & Save Money Loan at 3.99% APR, Route 31 Federal Credit UnionRoute 31 Federal Credit UnionA+5.0 ★Texas Ratio: 2.48% offering Expressway Loans at 3.99% APR, Circle Federal Credit UnionCircle Federal Credit UnionA+5.0 ★Texas Ratio: 4.16% offering Credit Builder Loan at 4.00% APR, and Community West Credit UnionCommunity West Credit UnionA+5.0 ★Texas Ratio: 2.81% offering Variable Rate Loan at 4.25% APR. Personal loan rates as of July 6, 2026 according to verified data from MonitorBankRates.
Macomb has 1 local institution in our database, with personal loan rates as low as 6.09% APR from First State Bank (MI) at 53050 Romeo Plank Rd, Macomb, MI, 48042. 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 Macomb, Michigan.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Macomb, 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
Macomb Personal Loan Rates
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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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As Low As; Loan Amount: $1,000
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As Low As; Rates based on credit score.
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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
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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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Rates are determined by the repayment terms Loan proceeds to be paid directly to contractor.
All rates are based on 725 credit score.
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5% Down Payment
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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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Credit Score: 700-800
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Amount: $30,000.00 and Over
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Secured Loan Pricing - Base Rates (as low as)
Secured Loan Pricing - Base Rates (as low as). Certain Restrictions Apply on Closed End Signature Loans
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
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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.
Credit Level: Gold
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Amount: $20,000 and Over
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Credit Score: 700-800
5% Down Payment
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Fixed rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
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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.
Macomb Personal Loan Rates
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.
Macomb Debt Consolidation Loan Rates
On debt consolidation loans, bills that are to be paid with the proceeds must be presented to the Credit Union for payment.
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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.
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Macomb Signature Loan Rates
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Credit Score: 700-800
Secured Loan Pricing - Base Rates (as low as). Certain Restrictions Apply on Closed End Signature Loans
Credit Score: 700-800
Macomb, MI Personal Loan Rate Trends
Compare local Macomb, 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 Macomb, 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 Macomb, 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 Macomb, 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 Macomb, Michigan?
What are the best personal loan rates in Macomb, Michigan?
- First State Bank (MI): 6.09% (10 Year Loan)
- Genisys Credit Union: 3.99% (Transfer Balances & Save Money Loan)
- Route 31 Federal Credit Union: 3.99% (Expressway Loans)
- Circle Federal Credit Union: 4.00% (Credit Builder Loan)
- Community West Credit Union: 4.25% (Variable Rate Loan)
Personal Loan Calculators
