Best Personal Loan Rates in Saint Joseph, Michigan (MI) - May 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 Saint Joseph, Michigan include: Honor Credit UnionHonor Credit Union2712 Niles Ave, Saint Joseph, MI, 49085 2414A+5.0 ★Texas Ratio: 5.50% offering Personal Loan at 11.99% APR, Route 31 Federal Credit UnionRoute 31 Federal Credit UnionA+5.0 ★Texas Ratio: 2.48% offering Expressway Loans at 3.99% APR, Baraga County Federal Credit UnionBaraga County Federal Credit UnionA+5.0 ★Texas Ratio: 0.37% offering 2020 - 2025 Loan at 4.25% APR, Integra First Federal Credit UnionIntegra First Federal Credit UnionA+5.0 ★Texas Ratio: 5.04% offering Recreational Loans at 4.49% APR, and Journey Federal Credit UnionJourney Federal Credit UnionA+5.0 ★Texas Ratio: 2.96% offering Model Year 2022-2027 Loan at 4.49% APR. Personal loan rates as of May 23, 2026 according to verified data from MonitorBankRates.
Saint Joseph has 1 local institution in our database, with personal loan rates as low as 11.99% APR from Honor Credit Union at 2712 Niles Ave, Saint Joseph, MI, 49085 2414. 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 Saint Joseph, Michigan.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Saint Joseph, 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: May 23, 2026
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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; 25 To 36 Months
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As Low As; 100% financing available to qualified applicants. A higher rate or shorter term may apply if applicant does not qualify. Credit is subject to approval. Rates based on credit score. Rates, terms, and conditions are subject to change at any time. Salvage Titles - up to 75% financing.
As Low As; Supporting our community through flood & storm recovery.
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This APR will vary with the market based on the dividend rate.
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Must provide travel itinerary
Includes snowmobiles, motorcycles, ATVs, motor homes, campers, tractors
As Low As; 100% financing available to qualified applicants. A higher rate or shorter term may apply if applicant does not qualify. Credit is subject to approval. Rates based on credit score. Rates, terms, and conditions are subject to change at any time. Salvage Titles - up to 75% financing.
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As Low As; $20,000.00 and Over
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As Low As; 100% financing available to qualified applicants. A higher rate or shorter term may apply if applicant does not qualify. Credit is subject to approval. Rates based on credit score. Rates, terms, and conditions are subject to change at any time. Salvage Titles - up to 75% financing.
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Rates are determined by the repayment terms; Loan proceeds to be paid directly to contractor.
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Includes snowmobiles, motorcycles, ATVs, motor homes, campers, tractors
As Low As; 100% financing available to qualified applicants. A higher rate or shorter term may apply if applicant does not qualify. Credit is subject to approval. Rates based on credit score. Rates, terms, and conditions are subject to change at any time. Salvage Titles - up to 75% financing.
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As Low As; $30,000.00 and Over
Credit Score: 700-800
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Relationship APR
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As Low As; APR = Annual Percentage Rate. Rates listed above are estimates, and may vary by term selected.
Credit Score: 700-800
As Low As; $20,000 and Over
As Low As; 37 To 60 Months
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As Low As; Rates featured are listed "as low as" and could be different based on creditworthiness, qualifications and collateral conditions. All rates are subject to change.
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Relationship APR
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Loan Special! You must meet certain requirements.
for 96 Months (75% of stock value)
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Up to $9,999
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As Low As; APR = Annual Percentage Rate. Rates listed above are estimates, and may vary by term selected.
Credit Score: 580-619
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As Low As; up to 10 years
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30-Year Amortization
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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.
Fixed APR
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As Low As; saving nearly 17% compared to average credit card rates.
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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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Credit Score: 700-800
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Credit Score: 700-800
Up to $9,999
Credit Score: 580-619
Saint Joseph, MI Personal Loan Rate Trends
Compare local Saint Joseph, 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 0.062 points over the past 7 days to 11.315% APR.
Michigan signature loan rates rose 0.005 points over the past 7 days to 10.844% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Saint Joseph, 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 Saint Joseph, 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 Saint Joseph, 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 Saint Joseph, Michigan?
What are the best personal loan rates in Saint Joseph, Michigan?
- Honor Credit Union: 11.99% (Personal Loan)
- Route 31 Federal Credit Union: 3.99% (Expressway Loans)
- Baraga County Federal Credit Union: 4.25% (2020 - 2025 Loan)
- Integra First Federal Credit Union: 4.49% (Recreational Loans)
- Journey Federal Credit Union: 4.49% (Model Year 2022-2027 Loan)
Saint Joseph, Michigan Rates & Resources
Personal Loan Calculators
