Best Personal Loan Rates in Bay City, Michigan - June 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 Bay City, Michigan include: ELGA Credit UnionELGA Credit Union1479 Straits Dr, Bay City, MI, 48706A+5.0 ★Texas Ratio: 4.95% offering Any Moment Loan at 4.50% APR, Frankenmuth Credit UnionFrankenmuth Credit Union800 N Euclid Ave, Bay City, MI, 48706A5.0 ★Texas Ratio: 7.85% offering 2025 or newer Loan at 5.26% APR, Lake Huron Credit UnionLake Huron Credit Union314 E Midland St, Bay City, MI, 48706A+5.0 ★Texas Ratio: 3.95% offering Other Titled or Non-titled Loans at 6.99% APR, Team One Credit UnionTeam One Credit Union401 E MIDLAND ST, BAY CITY, MI, 48706A+5.0 ★Texas Ratio: 4.99% offering Vacant Land Loan at 6.99% APR, and Financial Plus Credit Union Flint, MIFinancial Plus Credit Union Flint, MI4129 N Euclid Ave, Bay City, MI, 48706A+5.0 ★Texas Ratio: 3.02% offering Vacant Land Loans 5 Year Balloon at 7.51% APR. Personal loan rates as of June 7, 2026 according to verified data from MonitorBankRates.
Bay City has 10 local institutions in our database, with personal loan rates as low as 4.50% APR from ELGA Credit Union at 1479 Straits Dr, Bay City, MI, 48706. 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 Bay City, Michigan.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Bay City, 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 7, 2026
Bay City Personal Loan Rates
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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.
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As Low As; Regular APR: 8.99%; Earn points towards rewards.
20% Down Payment, Payments amortized up to 240 months
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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.
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As Low As; Regular APR: 10%; Earn 2% cash back on all purchases
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$10,000; As Low As; Eligible for Take-Back
$2,000; As Low As; Eligible for Take-Back
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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.
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This APR will vary with the market based on the dividend rate.
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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; $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)
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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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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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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.
Relationship APR
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loan values over $30,000
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If over $30,000 max term
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months
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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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Bay City Personal Loan Rates
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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.
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Bay City Debt Consolidation Loan 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.
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Bay City Signature Loan Rates
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$10,000; As Low As; Eligible for Take-Back
$2,000; As Low As; Eligible for Take-Back
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Credit Score: 700-800
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Credit Score: 700-800
Up to $9,999
Bay City, MI Personal Loan Rate Trends
Compare local Bay City, 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 fell 0.230 points over the past 7 days to 11.071% APR.
Michigan signature loan rates fell 0.072 points over the past 7 days to 10.739% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Bay City, 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 Bay City, 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 Bay City, 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 Bay City, Michigan?
What are the best personal loan rates in Bay City, Michigan?
- ELGA Credit Union: 4.50% (Any Moment Loan)
- Frankenmuth Credit Union: 5.26% (2025 or newer Loan)
- Lake Huron Credit Union: 6.99% (Other Titled or Non-titled Loans)
- Team One Credit Union: 6.99% (Vacant Land Loan)
- Financial Plus Credit Union Flint, MI: 7.51% (Vacant Land Loans 5 Year Balloon)
Personal Loan Calculators
