Best Personal Loan Rates in Vassar, Michigan - June 2026
Brian McKay
Brian McKay
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Current personal loan options available to borrowers in Vassar, Michigan include: Genisys Credit UnionGenisys Credit Union659 State Rd, Vassar, MI, 48768A+5.0 ★Texas Ratio: 4.68% offering Balance Transfer Loan at 3.99% APR, Frankenmuth Credit UnionFrankenmuth Credit Union602 State Rd, Vassar, MI, 48768 9248A5.0 ★Texas Ratio: 7.85% offering 2025 or newer Loan at 5.26% 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, 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 June 11, 2026 according to verified data from MonitorBankRates.
Vassar has 2 local institutions in our database, with personal loan rates as low as 3.99% APR from Genisys Credit Union at 659 State Rd, Vassar, MI, 48768. 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 Vassar, Michigan.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Vassar, 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: June 11, 2026
Vassar Personal Loan Rates
As low as 3.99% APR* for 12 Months. APR is Annual Percentage Rate. Click for details.
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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.
Borrow up to $5,000, Your Choice: 60 Months as low as 8.99%APR*. APR is Annual Percentage Rate. Click for details.
As Low As; Regular APR: 8.99%; Earn points towards rewards.
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.
Borrow up to $5,000, Your Choice: 24 Months as low as 8.74%APR*. 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.
No additional details available.
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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; Regular APR: 10%; Earn 2% cash back on all purchases
No additional details available.
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.
No additional details available.
As Low As; 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.
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.
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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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.
APR = Annual Percentage Rate. Annual percentage rates (APR) listed are "as low as" based on credit score and term, and are subject to approval and underwriting requirements. Refinances from current loans with American 1 Credit Union are allowed with the addition of a $500 financed balance or more. See any branch for details. All rates subject to change without notice.
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This APR will vary with the market based on the dividend rate.
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No additional details available.
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Includes snowmobiles, motorcycles, ATVs, motor homes, campers, tractors
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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.
(loan values over $40,000)
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As Low As; APR = Annual Percentage Rate. Annual percentage rates (APR) listed are "as low as" based on credit score and term, and are subject to approval and underwriting requirements. Refinances from current loans with American 1 Credit Union are allowed with the addition of a $500 financed balance or more. See any branch for details. All rates subject to change without notice.
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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(loan values over $25,000)
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.; 84 month term on new vehicles only based on credit score.
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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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Credit Score: 700-800
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As Low As; $30,000.00 and Over
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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.
As Low As; 37 To 60 Months
Credit Score: 700-800
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No additional details available.
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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All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.; 84 month term on new vehicles only based on credit score.
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loan values over $30,000
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Up to $9,999
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for 96 Months (75% of stock value)
Loan Special! You must meet certain requirements.
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As Low As; APR = Annual Percentage Rate. Annual percentage rates (APR) listed are "as low as" based on credit score and term, and are subject to approval and underwriting requirements. Refinances from current loans with American 1 Credit Union are allowed with the addition of a $500 financed balance or more. See any branch for details. All rates subject to change without notice. Other Loans may include ATVs/UTVs/jet skis/snowmobiles and other similar vehicles and toys. Please Contact Us with any questions.
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Vassar Personal Loan Rates
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.
No additional details available.
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.
No additional details available.
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.
No additional details available.
As Low As; 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.
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.
Vassar Debt Consolidation Loan Rates
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.
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Vassar Signature Loan Rates
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No additional details available.
Credit Score: 700-800
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Credit Score: 700-800
Up to $9,999
Vassar, MI Personal Loan Rate Trends
Compare local Vassar, 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 0.020 points over the past 7 days to 11.322% APR.
Michigan signature loan rates fell 0.088 points over the past 7 days to 10.722% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Vassar, 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 Vassar, 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 Vassar, 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 Vassar, Michigan?
What are the best personal loan rates in Vassar, Michigan?
- Genisys Credit Union: 3.99% (Balance Transfer Loan)
- Frankenmuth Credit Union: 5.26% (2025 or newer Loan)
- Route 31 Federal Credit Union: 3.99% (Expressway Loans)
- Baraga County Federal Credit Union: 4.25% (2020 - 2025 Loan)
- Journey Federal Credit Union: 4.49% (Model Year 2022-2027 Loan)
Personal Loan Calculators
