Best Personal Loan Rates in Sterling Heights, Michigan -
Brian McKay
Brian McKay
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Current personal loan options available to borrowers in Sterling Heights, Michigan include: BlueOx Credit UnionBlueOx Credit Union39900 Van Dyke Ave, Sterling Heights, MI, 48313A5.0 ★Texas Ratio: 7.25% offering New - Model Years 2025 to 2026 Up to 60 Months Loan at 4.74% APR, Genisys Credit UnionGenisys Credit Union35790 Van Dyke Ave, Sterling Heights, MI, 48312A+5.0 ★Texas Ratio: 4.68% offering Personal Loan at 5.74% APR, First State Bank (MI)First State Bank (MI)2032 19 Mile Rd, Sterling Heights, MI, 48314A+5.0 ★Texas Ratio: 1.41% offering 10 Year Loan at 6.09% APR, Cornerstone Community Financial Credit UnionCornerstone Community Financial Credit Union44911 Mound Rd, Sterling Heights, MI, 48314A+5.0 ★Texas Ratio: 5.53% offering Personal/Unsecured Loan at 9.49% APR, and FreeStar Financial Credit UnionFreeStar Financial Credit Union34642 Van Dyke Ave, Sterling Heights, MI, 48312A5.0 ★Texas Ratio: 8.12% offering Unsecured Loan at 9.74% APR. Personal loan rates as of July 25, 2026 according to verified data from MonitorBankRates.
Sterling Heights has 7 local institutions in our database, with personal loan rates as low as 4.74% APR from BlueOx Credit Union at 39900 Van Dyke Ave, Sterling Heights, MI, 48313. 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: July 25, 2026
Sterling Heights Personal Loan Rates
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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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As Low As; Rate is determined at time of application based on individual credit experience. Minimum credit rating required to qualify for this loan. Actual term will vary based on loan amount borrowed. Maximum loan amount is $5,000. Limited time offer and may end at any time.
As low as. APR is Annual Percentage Rate. Click for details.
As Low As; Rate is determined at time of application based on individual credit experience. Minimum credit rating required to qualify for this loan. Actual term will vary based on loan amount borrowed. Maximum loan amount is $5,000. Limited time offer and may end at any time.
As low as. APR is Annual Percentage Rate. Click for details.
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; The "as low as" rate of 10.49% APR includes discounts for Payment Protection coverage OR active checking with a full payroll direct deposit of $2,000 or more per month. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply.
up to $15,000; As Low As; The "as low as" rate of 10.49% APR includes discounts for Payment Protection coverage OR active checking with a full payroll direct deposit of $2,000 or more per month. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply.
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. Approximate monthly payment would be $18.65 per $1,000 borrowed at 10.24% for 72 months. Maximum total unsecured credit allowed is $50,000.
As Low As; Maximum APR: 18.00%. Annual Percentage Rates (APR) may vary depending upon credit qualifications. Maximum loan amount $20,000. Payments do not begin until an advance is made. Funds are accessed by transferring funds to your Genisys checking account.
$15,001 - $25,000; As Low As; The "as low as" rate of 10.49% APR includes discounts for Payment Protection coverage OR active checking with a full payroll direct deposit of $2,000 or more per month. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply.
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$15,001 - $25,000; As Low As; The "as low as" rate of 10.49% APR includes discounts for Payment Protection coverage OR active checking with a full payroll direct deposit of $2,000 or more per month. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply.
As Low As; Fixed
No additional details available.
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. Approximate monthly payment would be $90.02 per $1,000 borrowed at 14.49% for 12 months.
No additional details available.
Qualifications Required: Direct deposits of at least $1,500 per month deposited to a Genisys Credit Union account for the three months prior to application.; As Low As; 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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Loan amounts range from $500 to $2,000. APR is fixed at 19.99%.
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Loan Amount: $1,000
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As Low As; Rates based on credit score.
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With auto pay from your UCCU saving or checking account. All loans are subject to credit approval. Rates based on creditworthiness, term of loan and age of vehicle.
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0.00% for first 90 days.
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As Low As; Rates based on credit score.
Rates listed above are estimates, and may vary by term selected.
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Amount: $20,000.00 and Over
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20% Down Payment
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As Low As; Rates based on credit score.
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With auto pay from your UCCU saving or checking account. All loans are subject to credit approval. Rates based on creditworthiness, term of loan and age of vehicle.
With auto pay from your UCCU saving or checking account. All loans are subject to credit approval. Rates based on creditworthiness, term of loan and age of vehicle.
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All rates are based on 725 credit score.
5% Down Payment
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As Low As; Rates based on credit score.
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Fixed Rate
Amount: $30,000.00 and Over
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Secured Loan Pricing - Base Rates (as low as)
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With auto pay from your UCCU saving or checking account. All loans are subject to credit approval. Rates based on creditworthiness, term of loan and age of vehicle.
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Secured Loan Pricing - Base Rates (as low as)
Includes Lawn & Garden, ATV, Snowmobile, Off-Road Motorcycle, 4-Wheeler & Side-by-side72 - 84 Month available on purchases over $15,000.00.
Relationship APR
Includes Lawn & Garden, ATV, Snowmobile, Off-Road Motorcycle-Wheeler & Side-by-sides
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As Low As; based on a $225K loan amount
$100,000.00 maximum - 1st Lien / $75,000 Max - 2nd Lien. Higher rates apply for combined loan to value ratios exceeding 80%. Call for additional terms and rates.
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Rates listed above are estimates, and may vary by term selected.
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As Low As; Model Year: 2023 - 2024
Amount: $20,000 and Over
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No additional details available.
Credit Level: Gold; Credit Score: 730 and Up
5% Down Payment
Fixed rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
As Low As; 6.00%
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As Low As; 6.250%
No additional details available.
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Relationship APR
As Low As; financing for autos, boats, RVs, bikes, golf carts, ATVs, and more!
As Low As; Model Year: 2023 - 2024
As Low As; 6.00%
With auto pay from your UCCU saving or checking account. All loans are subject to credit approval. Rates based on creditworthiness, term of loan and age of vehicle.
No additional details available.
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No additional details available.
You must meet certain requirements.
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Fixed rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
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All rates are based on 725 credit score; 84 month term on new vehicles only based on credit score.
75% of stock value
No additional details available.
loan values over $30,000
As Low As; 6.250%
Variable rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
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As Low As; 6.50%
As Low As; Model Year: 2020 - 2022
Sterling Heights 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.
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. 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. Approximate monthly payment would be $18.65 per $1,000 borrowed at 10.24% for 72 months. Maximum total unsecured credit allowed is $50,000.
As Low As; Maximum APR: 18.00%. Annual Percentage Rates (APR) may vary depending upon credit qualifications. Maximum loan amount $20,000. Payments do not begin until an advance is made. Funds are accessed by transferring funds to your Genisys checking account.
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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. Approximate monthly payment would be $90.02 per $1,000 borrowed at 14.49% for 12 months.
No additional details available.
Sterling Heights 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.
Annual Percentage Rate. Rates accurate as of 10/28/25. Programs, rates, terms and conditions are subject to change without notice. Subject to credit qualification and approval. Rate may vary based on individual creditworthiness. Additional restrictions may apply.
No additional details available.
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.
As Low As; Loyalty Discount**
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No additional details available.
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Sterling Heights Signature Loan Rates
As Low As; Fixed
No additional details available.
Secured Loan Pricing - Base Rates (as low as)
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 0.066 points over the past 7 days to 11.271% APR.
Michigan signature loan rates rose 0.138 points over the past 7 days to 11.641% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Sterling Heights, 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 Sterling Heights, 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 Sterling Heights, 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 Sterling Heights, Michigan?
What are the best personal loan rates in Sterling Heights, Michigan?
- BlueOx Credit Union: 4.74% (New - Model Years 2025 to 2026 Up to 60 Months Loan)
- Genisys Credit Union: 5.74% (Personal Loan)
- First State Bank (MI): 6.09% (10 Year Loan)
- Cornerstone Community Financial Credit Union: 9.49% (Personal/Unsecured Loan)
- FreeStar Financial Credit Union: 9.74% (Unsecured Loan)
Sterling Heights, Michigan Rates & Resources
Personal Loan Calculators
