Best Personal Loan Rates in Oxford, 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 Oxford, Michigan include: Genisys Credit UnionGenisys Credit Union120 S Washington St, Oxford, MI, 48371 4975A+5.0 ★Texas Ratio: 5.03% offering Credit Builder Loan at 5.74% APR, Vibe Credit UnionVibe Credit Union968 N Lapeer Rd, Oxford, MI, 48371 3619A+5.0 ★Texas Ratio: 5.71% offering Personal Term Loan at 11.24% 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 11, 2026 according to verified data from MonitorBankRates.
Oxford has 2 local institutions in our database, with personal loan rates as low as 5.74% APR from Genisys Credit Union at 120 S Washington St, Oxford, MI, 48371 4975. 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 Oxford, Michigan.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Oxford, 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 11, 2026
As Low As; Rates, terms and availability of product subject to change without notice. Proof of Income is required.
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
As Low As; Loan Amount: $5,000 - $30,000
As Low As; *Annual Percentage Rates (APR) and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and Direct Deposit of payroll, social security or retirement with AutoPay set up from a Genisys checking or savings account. Minimum credit score required to qualify for this loan. Loan limits from $5,000 and up to $30,000 with terms up to 60 months. Limited time offer.
As Low As; Loan Amount: $5,000 - $30,000
As Low As; *Annual Percentage Rates (APR) and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and Direct Deposit of payroll, social security or retirement with AutoPay set up from a Genisys checking or savings account. Minimum credit score required to qualify for this loan. Loan limits from $5,000 and up to $30,000 with terms up to 60 months. Limited time offer.
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As Low As; Annual Percentage Rates (APR) and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and Direct Deposit of payroll, social security or retirement with AutoPay set up from a Genisys checking or savings account.
No additional details available.
No additional details available.
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.
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.
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.
$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
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Fixed rates
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No additional details available.
Rates are determined by the repayment terms; Loan proceeds to be paid directly to contractor.
No additional details available.
Variable rates
Your interest rate and monthly payments can fluctuate during the repayment period.
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0% Down
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Relationship APR
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0% Down
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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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As Low As; 2024-2017
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0% Down
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30-Year Amortization
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As Low As; Lower rates than typical credit cards (starting at 6.99% APR)
Fixed APR
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As Low As; *APR is Annual Percentage Rate. 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; Vehicle repairs or updates; Family vacations; Education expenses; Debt consolidation; Wedding planning; And more
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Fixed APR
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Credit Score: 800+
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Multi Purpose 12 Month Loan
As Low As; 12 Month Max
No additional details available.
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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Low fixed 7.99% APR*
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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: 750-799
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up to $10,000; As Low As
No Terms
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Credit Score: 700-749
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up to $25,000; As Low As
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As Low As; Loan Amount: $5,000 - $30,000
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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.
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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; Max. Amount of Approval: $15,000 (joint)
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up to $25,000; As Low As
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Oxford, MI Personal Loan Rate Trends
Compare local Oxford, 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 0.723 points over the past 7 days to 11.191% APR.
Michigan signature loan rates rose 0.599 points over the past 7 days to 11.079% 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 Oxford, Michigan?
What are the best personal loan rates in Oxford, Michigan?
- Genisys Credit Union: 5.74% (Credit Builder Loan)
- Vibe Credit Union: 11.24% (Personal Term 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 Calculators
