Best Personal Loan Rates in Sterling Heights, 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 Sterling Heights, Michigan include: Genisys Credit UnionGenisys Credit Union35790 Van Dyke Ave, Sterling Heights, MI, 48312A+5.0 ★Texas Ratio: 5.03% offering Credit Builder Loan at 5.74% APR, Michigan Schools And Government Credit UnionMichigan Schools And Government Credit Union2356 Metropolitan Pkwy, Sterling Heights, MI, 48310 4209A+5.0 ★Texas Ratio: 3.83% offering Vacant Land Loan 10 Year Fixed at 7.45% APR, Cornerstone Community Financial Credit UnionCornerstone Community Financial Credit Union44911 Mound Rd, Sterling Heights, MI, 48314A+5.0 ★Texas Ratio: 5.88% offering Personal/Unsecured at 9.49% APR, FreeStar Financial Credit UnionFreeStar Financial Credit Union34642 Van Dyke Ave, Sterling Heights, MI, 48312A5.0 ★Texas Ratio: 8.54% offering Unsecured at 9.74% APR, and BlueOx Credit UnionBlueOx Credit Union39900 Van Dyke Ave, Sterling Heights, MI, 48313A5.0 ★Texas Ratio: 8.12% offering Personal Loan at 10.99% APR. Personal loan rates as of April 16, 2026 according to verified data from MonitorBankRates.
Sterling Heights has 8 local institutions in our database, with personal loan rates as low as 5.74% APR from Genisys Credit Union at 35790 Van Dyke Ave, Sterling Heights, MI, 48312. 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 Sterling Heights, Michigan.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Sterling Heights, 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 16, 2026
As Low As; Rates, terms and availability of product subject to change without notice. Proof of Income is required.
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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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up to $15,000; As Low As
up to $15,000; As Low As
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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. 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; 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.
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$15,001 - $25,000; As Low As
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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.
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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.
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$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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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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Must provide travel itinerary
This APR will vary with the market based on the dividend rate.
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Rates are determined by the repayment terms; Loan proceeds to be paid directly to contractor.
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Relationship APR
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Relationship APR
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75% of stock value
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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; Multi Purpose 12 Month Loan
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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.
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No Terms
up to $10,000; As Low As
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Credit Score: 750-799
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Qualifications Required: monthly direct deposit totaling a minimum of $900.00 in the previous or current month; As Low As
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Credit Score: 700-749
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No Terms
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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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Sterling Heights, MI Personal Loan Rate Trends
Compare local Sterling Heights, 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 0.038 points over the past 7 days to 11.554% 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 Sterling Heights, Michigan?
What are the best personal loan rates in Sterling Heights, Michigan?
- Genisys Credit Union: 5.74% (Credit Builder Loan)
- Michigan Schools And Government Credit Union: 7.45% (Vacant Land Loan 10 Year Fixed)
- Cornerstone Community Financial Credit Union: 9.49% (Personal/Unsecured)
- FreeStar Financial Credit Union: 9.74% (Unsecured)
- BlueOx Credit Union: 10.99% (Personal Loan)
Personal Loan Calculators
