Best Personal Loan Rates in Royal Oak, 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 Royal Oak, Michigan include: Citizens BankCitizens Bank200 S Main St, Royal Oak, MI, 48067A5.0 ★Texas Ratio: 8.28% offering Medical Residency Refinance Loan at 5.45% APR, Genisys Credit UnionGenisys Credit Union530 N Main St, Royal Oak, MI, 48067 1815A+5.0 ★Texas Ratio: 5.03% offering Credit Builder Loan at 5.74% APR, Michigan Schools And Government Credit UnionMichigan Schools And Government Credit Union31805 Woodward Ave, Royal Oak, MI, 48073 0938A+5.0 ★Texas Ratio: 3.83% offering 10 Year Fixed Vacant Land Loan at 7.58% APR, Cornerstone Community Financial Credit UnionCornerstone Community Financial Credit Union30606 Woodward Ave, Royal Oak, MI, 48073A+5.0 ★Texas Ratio: 5.88% offering Personal/Unsecured at 9.49% APR, and Vibe Credit UnionVibe Credit Union501 S Main St, Royal Oak, MI, 48067A+5.0 ★Texas Ratio: 5.71% offering Personal Term Loan at 11.24% APR. Personal loan rates as of April 9, 2026 according to verified data from MonitorBankRates.
Royal Oak has 8 local institutions in our database, with personal loan rates as low as 5.45% APR from Citizens Bank at 200 S Main St, Royal Oak, MI, 48067. 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 Royal Oak, Michigan.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Royal Oak, 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 9, 2026
Fixed rates
Variable rates
Your interest rate and monthly payments can fluctuate during the repayment period.
As Low As; Rates, terms and availability of product subject to change without notice. Proof of Income is required.
As Low As
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.
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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; Rates based on term and credit score. Minimum loan term of 1 month and maximum APR 19.25%. Contact Member Service Representative for more details.
Fixed rates
As Low As
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.
Variable rates
As Low As; Rates based on term and credit score. Minimum loan term of 1 month and maximum APR 19.25%. Contact Member Service Representative for more details.
No additional details available.
As Low As; Personal Loan
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No additional details available.
As Low As; Rates based on term and credit score. Minimum loan term of 1 month and maximum APR 19.25%. Contact Member Service Representative for more details.
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; Unsecured terms up to 72 months
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
As Low As; Health care/injury, pet emergency, home repair, auto repair
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No additional details available.
As Low As; for example funds in a 1.00%APY product; Savings Product + 3.00%
No additional details available.
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As Low As; And 90 Days No Payment1
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Must provide travel itinerary
This APR will vary with the market based on the dividend rate.
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As Low As; Financing up to 84 months. No down payment required.
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No additional details available.
No additional details available.
Rates are determined by the repayment terms; Loan proceeds to be paid directly to contractor.
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No additional details available.
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0% Down
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Relationship APR
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0% Down
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As Low As; 2025 and Newer
Relationship APR
No additional details available.
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0% Down
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No additional details available.
No additional details available.
75% of stock value
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No additional details available.
No additional details available.
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As Low As; 2024-2017
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0% Down
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No additional details available.
30-Year Amortization
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No additional details available.
As Low As; Lower rates than typical credit cards (starting at 6.99% APR)
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Fixed APR
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As Low As; Vehicle repairs or updates; Family vacations; Education expenses; Debt consolidation; Wedding planning; And more
No additional details available.
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Fixed APR
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No additional details available.
Credit Score: 800+
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No additional details available.
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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.
As Low As; 12 Month Max
No additional details available.
Multi Purpose 12 Month Loan
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Low fixed 7.99% APR*
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As Low As; 12 Months
No additional details available.
No additional details available.
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No Terms
Credit Score: 750-799
No additional details available.
up to $10,000; As Low As
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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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As Low As; FOR UP TO 24 MONTHS
As Low As; Starting at 12 months
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No additional details available.
Credit Score: 700-749
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As Low As; Loan Amount: $5,000 - $30,000
As Low As; Loan Amount: $5,000 - $30,000
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As Low As; Unsecured terms up to 72 months
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No additional details available.
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No Terms
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As Low As; FOR UP TO 24 MONTHS
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No additional details available.
No additional details available.
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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.
No additional details available.
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No additional details available.
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As Low As; with Loyalty Discount**
No additional details available.
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As Low As; Rates based on term and credit score. Minimum loan term of 1 month and maximum APR 19.25%. Contact Member Service Representative for more details.
As Low As; Rates based on term and credit score. Minimum loan term of 1 month and maximum APR 19.25%. Contact Member Service Representative for more details.
As Low As; Personal Loan
As Low As; Rates based on term and credit score. Minimum loan term of 1 month and maximum APR 19.25%. Contact Member Service Representative for more details.
No additional details available.
No additional details available.
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No additional details available.
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As Low As; Vehicle repairs or updates; Family vacations; Education expenses; Debt consolidation; Wedding planning; And more
No additional details available.
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As Low As; 12 Months
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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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Royal Oak, MI Personal Loan Rate Trends
Compare local Royal Oak, 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 0.256 points over the past 7 days to 11.166% APR.
Michigan signature loan rates fell 0.280 points over the past 7 days to 11.094% 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 Royal Oak, Michigan?
What are the best personal loan rates in Royal Oak, Michigan?
- Citizens Bank: 5.45% (Medical Residency Refinance Loan)
- Genisys Credit Union: 5.74% (Credit Builder Loan)
- Michigan Schools And Government Credit Union: 7.58% (10 Year Fixed Vacant Land Loan)
- Cornerstone Community Financial Credit Union: 9.49% (Personal/Unsecured)
- Vibe Credit Union: 11.24% (Personal Term Loan)
Personal Loan Calculators
