Best Personal Loan Rates in Chelsea, Michigan (MI) - March 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to Michigan borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
Current personal loan options available to borrowers in Chelsea, Michigan include: American 1 Credit UnionAmerican 1 Credit Union1255 S Main St, Chelsea, MI, 48118A5.0 ★Texas Ratio: 11.10% offering Personal Loan at 10.00% APR, Lake Trust Credit UnionLake Trust Credit Union1170 S Main St Ste 100, Chelsea, MI, 48118 1472A5.0 ★Texas Ratio: 7.40% offering Unsecured/Signature Loan at 10.50% APR, Route 31 Federal Credit UnionRoute 31 Federal Credit Union715 Terrace St, Muskegon, MI, 49440A+5.0 ★Texas Ratio: 2.54% offering Expressway Loans at 3.99% APR, Frankenmuth Credit UnionFrankenmuth Credit Union580 N Main St, Frankenmuth, MI, 48734A5.0 ★Texas Ratio: 8.43% offering Share Pledged Loan at 4.00% APR, and Maui Teachers Federal Credit UnionMaui Teachers Federal Credit Union6000 28th St SE, Grand Rapids, MI, 49546 6927A+5.0 ★Texas Ratio: 0.00% offering Share/Signature at 4.00% APR. Personal loan rates as of March 28, 2026 according to verified data from MonitorBankRates.
Whether you need to consolidate high-interest debt, fund a home improvement project, or cover an unexpected expense, comparing personal loan rates across top-rated lenders in Chelsea, Michigan can save you significantly over the life of your loan.
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 Chelsea, Michigan.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Chelsea, 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: March 28, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.10%
1255 S Main St, Chelsea, MI, 48118
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedMarch 28, 2026
Details
As Low As
Lake Trust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.40%
1170 S Main St Ste 100, Chelsea, MI, 48118 1472
Unsecured/Signature Loan
10.50%
▼
APR10.50%
Last UpdatedMarch 28, 2026
Details
As Low As
Lake Trust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.40%
1170 S Main St Ste 100, Chelsea, MI, 48118 1472
Life Impact Loan
13.25%
▼
APR13.25%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
715 Terrace St, Muskegon, MI, 49440
Expressway Loans
3.99%
▼
APR3.99%
Last UpdatedMarch 28, 2026
Details
As Low As
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
580 N Main St, Frankenmuth, MI, 48734
Share Pledged Loan
4.00%
▼
APR4.00%
Last UpdatedMarch 28, 2026
Details
As Low As; for example funds in a 1.00%APY product; Savings Product + 3.00%
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6000 28th St SE, Grand Rapids, MI, 49546 6927
Share/Signature
4.00%
▼
APR4.00%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Members First Credit Union Midland, MI
Institution Rating:
A5.0 ★Texas Ratio: 8.84%
600 W Wackerly St, Midland, MI, 48640 4702
Share Pledge Loans
4.00%
▼
APR4.00%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Flagship Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
3910 Lapeer Rd, Port Huron, MI, 48060 2402
Personal Loan
4.45%
▼
APR4.45%
Last UpdatedMarch 28, 2026
Details
As Low As
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6000 28th St SE, Grand Rapids, MI, 49546 6927
Signature Loans
4.50%
▼
APR4.50%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6000 28th St SE, Grand Rapids, MI, 49546 6927
Solar Heater Loan
4.50%
▼
APR4.50%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
3089 44th St SW, Grandville, MI, 49418 2501
Electric/Hybrid Loans (2026-2022)
4.70%
▼
APR4.70%
Last UpdatedMarch 28, 2026
Details
As Low As
United Bay Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
1309 N Lincoln St, Bay City, MI, 48708 6172
Loan
4.74%
▼
APR4.74%
Last UpdatedMarch 28, 2026
Details
As Low As
Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
4550 STATE ST, SAGINAW, MI, 48603
Truck Loans
4.74%
▼
APR4.74%
Last UpdatedMarch 28, 2026
Details
As Low As
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
473 E Division St, Dowagiac, MI, 49047 1541
Money Saver Loan
4.75%
▼
APR4.75%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
3089 44th St SW, Grandville, MI, 49418 2501
Electric/Hybrid Loans (2026-2022)
4.95%
▼
APR4.95%
Last UpdatedMarch 28, 2026
Details
As Low As
United Bay Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
1309 N Lincoln St, Bay City, MI, 48708 6172
Loan
4.99%
▼
APR4.99%
Last UpdatedMarch 28, 2026
Details
As Low As
University of Michigan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
340 E Huron St, Ann Arbor, MI, 48104
Technology Loan
4.99%
▼
APR4.99%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Integra First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
2600 10th St, Menominee, MI, 49858 1904
Recreational Loan
4.99%
▼
APR4.99%
Last UpdatedMarch 28, 2026
Details
As Low As
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6000 28th St SE, Grand Rapids, MI, 49546 6927
Vacation Loans
5.00%
▼
APR5.00%
Last UpdatedMarch 28, 2026
Details
Must provide travel itinerary
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
34200 Utica Rd, Fraser, MI, 48026
Credit Saver Loan
5.00%
▼
APR5.00%
Last UpdatedMarch 28, 2026
Details
This APR will vary with the market based on the dividend rate.
United Bay Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
1309 N Lincoln St, Bay City, MI, 48708 6172
Loan
5.24%
▼
APR5.24%
Last UpdatedMarch 28, 2026
Details
As Low As
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
1001 W Baraga Ave, Marquette, MI, 49855
UTV Loans
5.25%
▼
APR5.25%
Last UpdatedMarch 28, 2026
Details
As Low As; Financing up to 84 months. No down payment required.
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
6180 State St, Saginaw, MI, 48603
Technology Loan
5.25%
▼
APR5.25%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
3089 44th St SW, Grandville, MI, 49418 2501
Electric/Hybrid Loans (2026-2022) 36-month term
5.45%
▼
APR5.45%
Last UpdatedMarch 28, 2026
Details
As Low As
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
3089 44th St SW, Grandville, MI, 49418 2501
Electric/Hybrid Loans (2026-2022) 48-month term
5.45%
▼
APR5.45%
Last UpdatedMarch 28, 2026
Details
As Low As
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
3089 44th St SW, Grandville, MI, 49418 2501
Electric/Hybrid Loans (2026-2022) 60-month term
5.45%
▼
APR5.45%
Last UpdatedMarch 28, 2026
Details
As Low As
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
777 Woodward Ave, Detroit, MI, 48226
Medical Residency Refinance Loan
5.45%
▼
APR5.45%
Last UpdatedMarch 28, 2026
Details
Fixed rates
United Bay Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
1309 N Lincoln St, Bay City, MI, 48708 6172
Loan
5.49%
▼
APR5.49%
Last UpdatedMarch 28, 2026
Details
As Low As
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
27850 MOUND RD, WARREN, MI, 48092
Recreational Loans
5.50%
▼
APR5.50%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6000 28th St SE, Grand Rapids, MI, 49546 6927
Photovoltaic Loans
5.50%
▼
APR5.50%
Last UpdatedMarch 28, 2026
Details
Rates are determined by the repayment terms; Loan proceeds to be paid directly to contractor.
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
777 Woodward Ave, Detroit, MI, 48226
Medical Residency Refinance Loan
5.51%
▼
APR5.51%
Last UpdatedMarch 28, 2026
Details
Variable rates
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
777 Woodward Ave, Detroit, MI, 48226
Variable Rate Loan
5.51%
▼
APR5.51%
Last UpdatedMarch 28, 2026
Details
Your interest rate and monthly payments can fluctuate during the repayment period.
Integra First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
2600 10th St, Menominee, MI, 49858 1904
Recreational Loan
5.59%
▼
APR5.59%
Last UpdatedMarch 28, 2026
Details
As Low As
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
3089 44th St SW, Grandville, MI, 49418 2501
Electric/Hybrid Loans (2026-2022)
5.70%
▼
APR5.70%
Last UpdatedMarch 28, 2026
Details
As Low As
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
3089 44th St SW, Grandville, MI, 49418 2501
Electric/Hybrid Loans (2026-2022) 72-month term
5.70%
▼
APR5.70%
Last UpdatedMarch 28, 2026
Details
As Low As
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
2100 Executive Hills Dr, Auburn Hills, MI, 48326 2947
Credit Builder Loan
5.74%
▼
APR5.74%
Last UpdatedMarch 28, 2026
Details
As Low As; Proof of Income is required.
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
473 E Division St, Dowagiac, MI, 49047 1541
Signature/Unsecured
5.75%
▼
APR5.75%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Chiropractic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
23617 Liberty St, Farmington, MI, 48335
New Equipment Loan
5.99%
▼
APR5.99%
Last UpdatedMarch 28, 2026
Details
Relationship APR
Aeroquip Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
6000 28th St SE, Grand Rapids, MI, 49546
Collateral Loan
5.99%
▼
APR5.99%
Last UpdatedMarch 28, 2026
Details
No additional details available.
United Bay Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
1309 N Lincoln St, Bay City, MI, 48708 6172
Loan
5.99%
▼
APR5.99%
Last UpdatedMarch 28, 2026
Details
As Low As
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
31300 Hoover Rd, Warren, MI, 48093 1774
Closed End Signature Loan
5.99%
▼
APR5.99%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
400 Town Center Dr, Dearborn, MI, 48126
Share Loan
6.00%
▼
APR6.00%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Aeroquip Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
6000 28th St SE, Grand Rapids, MI, 49546
Collateral Loan
6.24%
▼
APR6.24%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
6180 State St, Saginaw, MI, 48603
Season Loan
6.25%
▼
APR6.25%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI, 48381
Consumer Loan
6.34%
▼
APR6.34%
Last UpdatedMarch 28, 2026
Details
As Low As
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
580 N Main St, Frankenmuth, MI, 48734
10 Year Construction Loan
6.38%
▼
APR6.38%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
3089 44th St SW, Grandville, MI, 49418 2501
Electric/Hybrid Loans (2026-2022) 84-month term
6.45%
▼
APR6.45%
Last UpdatedMarch 28, 2026
Details
As Low As
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI, 48381
Consumer Loan
6.46%
▼
APR6.46%
Last UpdatedMarch 28, 2026
Details
As Low As
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
790 Joslyn Ave, Pontiac, MI, 48340 2918
Recreational Loans 2025 and Newer
6.49%
▼
APR6.49%
Last UpdatedMarch 28, 2026
Details
As Low As
Chiropractic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
23617 Liberty St, Farmington, MI, 48335
Used Equipment Loan
6.49%
▼
APR6.49%
Last UpdatedMarch 28, 2026
Details
Relationship APR
United Bay Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
1309 N Lincoln St, Bay City, MI, 48708 6172
Loan
6.49%
▼
APR6.49%
Last UpdatedMarch 28, 2026
Details
As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
700 E Sharon Ave, Houghton, MI, 49931 1618
New Personal Recreational (2025-2026) 24 Month
6.49%
▼
APR6.49%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Aeroquip Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
6000 28th St SE, Grand Rapids, MI, 49546
Collateral Loan
6.49%
▼
APR6.49%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI, 48381
Consumer Loan
6.49%
▼
APR6.49%
Last UpdatedMarch 28, 2026
Details
As Low As
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
27850 MOUND RD, WARREN, MI, 48092
Recreational Loans
6.50%
▼
APR6.50%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
700 E Sharon Ave, Houghton, MI, 49931 1618
New Personal Recreational (2025-2026) 48 Month
6.50%
▼
APR6.50%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
5600 Crooks Rd Ste 101, Troy, MI, 48098
Norfolk Southern Stock Loan
6.50%
▼
APR6.50%
Last UpdatedMarch 28, 2026
Details
Months (75% of stock value)
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI, 48381
Consumer Loan
6.51%
▼
APR6.51%
Last UpdatedMarch 28, 2026
Details
As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
700 E Sharon Ave, Houghton, MI, 49931 1618
New Personal Recreational (2025-2026) 36 Month
6.58%
▼
APR6.58%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
473 E Division St, Dowagiac, MI, 49047 1541
One-Time Close Construction Loan Rate
6.63%
▼
APR6.63%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI, 48381
Consumer Loan
6.68%
▼
APR6.68%
Last UpdatedMarch 28, 2026
Details
As Low As
Aeroquip Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
6000 28th St SE, Grand Rapids, MI, 49546
Collateral Loan
6.74%
▼
APR6.74%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
790 Joslyn Ave, Pontiac, MI, 48340 2918
Recreational Loans 2024-2017
6.74%
▼
APR6.74%
Last UpdatedMarch 28, 2026
Details
As Low As
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI, 48381
Consumer Loan
6.84%
▼
APR6.84%
Last UpdatedMarch 28, 2026
Details
As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
700 E Sharon Ave, Houghton, MI, 49931 1618
Land Loan 10-year
6.91%
▼
APR6.91%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
700 E Sharon Ave, Houghton, MI, 49931 1618
Land Loan 62-Month Balloon
6.94%
▼
APR6.94%
Last UpdatedMarch 28, 2026
Details
30-Year Amortization
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI, 48381
Consumer Loan
6.96%
▼
APR6.96%
Last UpdatedMarch 28, 2026
Details
As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
700 E Sharon Ave, Houghton, MI, 49931 1618
New Personal Recreational (2025-2026) 60 Month
6.96%
▼
APR6.96%
Last UpdatedMarch 28, 2026
Details
No additional details available.
United Bay Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
1309 N Lincoln St, Bay City, MI, 48708 6172
Loan
6.99%
▼
APR6.99%
Last UpdatedMarch 28, 2026
Details
As Low As
United Bay Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
1309 N Lincoln St, Bay City, MI, 48708 6172
Personal loans
6.99%
▼
APR6.99%
Last UpdatedMarch 28, 2026
Details
As Low As; Vacation; A Special Occasion; Debt Consolidation
United Bay Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
1309 N Lincoln St, Bay City, MI, 48708 6172
Unsecured Loan
6.99%
▼
APR6.99%
Last UpdatedMarch 28, 2026
Details
As Low As; Over 50% of loan amt must be new money
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
3095 S Commerce Rd, Wolverine Lake, MI, 48390 1418
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMarch 28, 2026
Details
As Low As
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
790 Joslyn Ave, Pontiac, MI, 48340 2918
Vacation Loans
6.99%
▼
APR6.99%
Last UpdatedMarch 28, 2026
Details
As Low As; Actual rate may vary based on creditworthiness, loan term, and loan amount.
Chiropractic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
23617 Liberty St, Farmington, MI, 48335
New Equipment Loan
6.99%
▼
APR6.99%
Last UpdatedMarch 28, 2026
Details
Fixed APR
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI, 48381
Consumer Loan
6.99%
▼
APR6.99%
Last UpdatedMarch 28, 2026
Details
As Low As
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
3031 Airpark Dr N, Flint, MI, 48507 3471
Recreational Loans
7.00%
▼
APR7.00%
Last UpdatedMarch 28, 2026
Details
As Low As
Steuben Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
3031 Airpark Dr N, Flint, MI, 48507 3471
Personal Loans
7.00%
▼
APR7.00%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Steuben Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
3031 Airpark Dr N, Flint, MI, 48507 3471
Other Collateral Loans
7.00%
▼
APR7.00%
Last UpdatedMarch 28, 2026
Details
No additional details available.
1166 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
2900 Charlevoix Dr, Grand Rapids, MI, 49546
Collateralized Loans (Backed by property, other than Real Estate)
7.00%
▼
APR7.00%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
3777 West Rd, East Lansing, MI, 48823 8029
Green & White Loan
7.00%
▼
APR7.00%
Last UpdatedMarch 28, 2026
Details
As Low As
Berkeley Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
5600 Crooks Rd, Troy, MI, 48098 2811
Personal Loans
7.00%
▼
APR7.00%
Last UpdatedMarch 28, 2026
Details
As Low As
Harborlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2151 Cogswell Dr, Whitehall, MI, 49461
Signature Loans
7.00%
▼
APR7.00%
Last UpdatedMarch 28, 2026
Details
As Low As; Competitive rates starting at 7.00% APR, and you can use the loan for any purpose: * Vehicle repairs or updates * Family vacations * Education expenses * Debt consolidation * Wedding planning * And more
Harborlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2151 Cogswell Dr, Whitehall, MI, 49461
All Other Closed End Loans
7.00%
▼
APR7.00%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI, 48381
Consumer Loan
7.01%
▼
APR7.01%
Last UpdatedMarch 28, 2026
Details
As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
700 E Sharon Ave, Houghton, MI, 49931 1618
New Personal Recreational (2025-2026) 72 Month
7.18%
▼
APR7.18%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
700 E Sharon Ave, Houghton, MI, 49931 1618
Used Personal Recreational (2024 and older) 24 Month
7.24%
▼
APR7.24%
Last UpdatedMarch 28, 2026
Details
No additional details available.
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3141 Capital Ave SW, Battle Creek, MI, 49015
POWER SPORTS LOAN 2019 and Newer
7.25%
▼
APR7.25%
Last UpdatedMarch 28, 2026
Details
As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
700 E Sharon Ave, Houghton, MI, 49931 1618
Used Personal Recreational (2024 and older) 48 Month
7.26%
▼
APR7.26%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
G3381 Van Slyke Rd, Flint, MI, 48507 3263
Vacant Land Loans 5 Year Balloon
7.26%
▼
APR7.26%
Last UpdatedMarch 28, 2026
Details
As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
700 E Sharon Ave, Houghton, MI, 49931 1618
Used Personal Recreational (2024 and older) 36 Month
7.34%
▼
APR7.34%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Chiropractic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
23617 Liberty St, Farmington, MI, 48335
Used Equipment Loan
7.49%
▼
APR7.49%
Last UpdatedMarch 28, 2026
Details
Fixed APR
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
27850 MOUND RD, WARREN, MI, 48092
Recreational Loans
7.50%
▼
APR7.50%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Steuben Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
3031 Airpark Dr N, Flint, MI, 48507 3471
Other Collateral Loans
7.50%
▼
APR7.50%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
520 HAYDEN ST, SAGINAW, MI, 48607
Recreational Loans
7.50%
▼
APR7.50%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Michigan Schools And Government Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
40400 Garfield Rd, Clinton Township, MI, 48038 4004
Vacant Land Loan 10 Year Fixed
7.71%
▼
APR7.71%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
700 E Sharon Ave, Houghton, MI, 49931 1618
Used Personal Recreational (2024 and older) 60 Month
7.71%
▼
APR7.71%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.50%
2929 3rd Ave N, Escanaba, MI, 49829 4203
Consumer Loans
7.75%
▼
APR7.75%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
473 E Division St, Dowagiac, MI, 49047 1541
Signature/Unsecured
7.75%
▼
APR7.75%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Highpoint Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
435 Arlington St, Middleville, MI, 49333
New Motorsports Loan
7.84%
▼
APR7.84%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Tri Cities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
905 Pennoyer Ave, Grand Haven, MI, 49417
HOLIDAY LOAN SPECIAL
7.99%
▼
APR7.99%
Last UpdatedMarch 28, 2026
Details
As Low As; 12 Month Max
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
31300 Hoover Rd, Warren, MI, 48093 1774
Closed End Signature Loan
7.99%
▼
APR7.99%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
3095 S Commerce Rd, Wolverine Lake, MI, 48390 1418
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMarch 28, 2026
Details
As Low As
PORT CITY
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
460 W Laketon Ave, Muskegon, MI, 49441 2632
12 Month Unsecured Loan
7.99%
▼
APR7.99%
Last UpdatedMarch 28, 2026
Details
Multi Purpose 12 Month Loan
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1888 E Sherman Blvd, Muskegon, MI, 49444 1822
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
2182 Lakeshore Dr, Muskegon, MI, 49441 1414
Signature Loan
7.99%
▼
APR7.99%
Last UpdatedMarch 28, 2026
Details
As Low As; 12 Months
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1075 E Sherman Blvd, Norton Shores, MI, 49444 1807
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMarch 28, 2026
Details
As Low As
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
4550 Division St, Trenton, MI, 48183
Unsecured Closed End Loan
7.99%
▼
APR7.99%
Last UpdatedMarch 28, 2026
Details
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.
Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
6230 Orchard Lake Rd, West Bloomfield, MI, 48322
Credit Growth Loan
7.99%
▼
APR7.99%
Last UpdatedMarch 28, 2026
Details
Low fixed 7.99% APR*
Detour Drummond Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
34857 S Townline Rd, Drummond Island, MI, 49726 9486
Signature Loan
8.00%
▼
APR8.00%
Last UpdatedMarch 28, 2026
Details
As Low As
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
520 HAYDEN ST, SAGINAW, MI, 48607
Recreational Loans
8.00%
▼
APR8.00%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Tandem Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
21043 Mound Rd, Warren, MI, 48091 2903
Unsecured Loans
8.00%
▼
APR8.00%
Last UpdatedMarch 28, 2026
Details
up to $10,000; As Low As
Steuben Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
3031 Airpark Dr N, Flint, MI, 48507 3471
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Integra First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
2600 10th St, Menominee, MI, 49858 1904
Recreational Loan
8.00%
▼
APR8.00%
Last UpdatedMarch 28, 2026
Details
As Low As
Great Lakes First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
2110 3rd Ave N, Escanaba, MI, 49829 2333
Personal Loan
8.00%
▼
APR8.00%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Lake Superior Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
801 River St, Ontonagon, MI, 49953 1620
Debt Consolidation
8.00%
▼
APR8.00%
Last UpdatedMarch 28, 2026
Details
No additional details available.
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
27850 MOUND RD, WARREN, MI, 48092
Unsecured Loans
8.00%
▼
APR8.00%
Last UpdatedMarch 28, 2026
Details
No additional details available.
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
27850 MOUND RD, WARREN, MI, 48092
Signature Loan
8.00%
▼
APR8.00%
Last UpdatedMarch 28, 2026
Details
As Low As; Max. Amount of Approval: $15,000 (joint)
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
100 Galleria Officentre, Southfield, MI, 48034
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
1381 N Bagley St, Alpena, MI, 49707 8101
Personal/Signature loan
8.00%
▼
APR8.00%
Last UpdatedMarch 28, 2026
Details
As Low As
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
27850 MOUND RD, WARREN, MI, 48092
Unsecured Signature Loan
8.00%
▼
APR8.00%
Last UpdatedMarch 28, 2026
Details
As Low As; Max. Amount of Approval: $10,000 (single)
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
700 E Sharon Ave, Houghton, MI, 49931 1618
Used Personal Recreational (2024 and older) 72 Month
8.18%
▼
APR8.18%
Last UpdatedMarch 28, 2026
Details
No additional details available.
CASE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.59%
4316 S Pennsylvania Ave, Lansing, MI, 48910
Technology Loan
8.25%
▼
APR8.25%
Last UpdatedMarch 28, 2026
Details
As Low As
Everwise Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
1500 S 11th St, Niles, MI, 49120
Personal Loan
8.25%
▼
APR8.25%
Last UpdatedMarch 28, 2026
Details
As Low As
Integra First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
2600 10th St, Menominee, MI, 49858 1904
Recreational Loan
8.25%
▼
APR8.25%
Last UpdatedMarch 28, 2026
Details
As Low As
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI, 48381
Consumer Loan
8.46%
▼
APR8.46%
Last UpdatedMarch 28, 2026
Details
As Low As
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI, 48381
Consumer Loan
8.50%
▼
APR8.50%
Last UpdatedMarch 28, 2026
Details
As Low As
Alpena Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
710 W Miller St, Alpena, MI, 49707 1875
Unsecured
8.50%
▼
APR8.50%
Last UpdatedMarch 28, 2026
Details
As Low As
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
520 HAYDEN ST, SAGINAW, MI, 48607
Recreational Loans
8.50%
▼
APR8.50%
Last UpdatedMarch 28, 2026
Details
No additional details available.
GraCo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
835 W Warwick Dr, Alma, MI, 48801 1147
Unsecured Loan
8.50%
▼
APR8.50%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
65 W LAKETON AVE, MUSKEGON, MI, 49441
Signature Loan
8.50%
▼
APR8.50%
Last UpdatedMarch 28, 2026
Details
As Low As; Signature Loan rates as low as 8.50% APR!
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
31300 Hoover Rd, Warren, MI, 48093 1774
Holiday Loan
8.50%
▼
APR8.50%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
526 WATER ST RM 113, PORT HURON, MI, 48060 5463
Signature Loans
8.50%
▼
APR8.50%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Awakon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
20855 Washington Ave, Onaway, MI, 49765
Consumer Loan
8.50%
▼
APR8.50%
Last UpdatedMarch 28, 2026
Details
As Low As; Starting at 12 months
UP State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
123 S Lincoln Rd, Escanaba, MI, 49829 1339
Personal Loan
8.50%
▼
APR8.50%
Last UpdatedMarch 28, 2026
Details
As Low As
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI, 48381
Consumer Loan
8.51%
▼
APR8.51%
Last UpdatedMarch 28, 2026
Details
As Low As
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI, 48381
Consumer Loan
8.59%
▼
APR8.59%
Last UpdatedMarch 28, 2026
Details
As Low As
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
211 W Center St, Alma, MI, 48801 2206
Signature Loans
8.65%
▼
APR8.65%
Last UpdatedMarch 28, 2026
Details
up to $25,000; As Low As
United Bay Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
1309 N Lincoln St, Bay City, MI, 48708 6172
Unsecured Loan
8.74%
▼
APR8.74%
Last UpdatedMarch 28, 2026
Details
As Low As
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
715 Terrace St, Muskegon, MI, 49440
Unsecured Loans
8.74%
▼
APR8.74%
Last UpdatedMarch 28, 2026
Details
As Low As
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
2100 Executive Hills Dr, Auburn Hills, MI, 48326 2947
Machinery/Equipment Loan
8.74%
▼
APR8.74%
Last UpdatedMarch 28, 2026
Details
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
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.50%
2929 3rd Ave N, Escanaba, MI, 49829 4203
Consumer Loans
8.75%
▼
APR8.75%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
526 WATER ST RM 113, PORT HURON, MI, 48060 5463
Signature Loans
8.75%
▼
APR8.75%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Iron Mountain Kingsford Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
400 S Carpenter Ave, Kingsford, MI, 49802 4527
General Purpose Unsecured Loan
8.75%
▼
APR8.75%
Last UpdatedMarch 28, 2026
Details
As Low As
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
30400 Telegraph Rd Ste 122, Bingham Farms, MI, 48025
Signature Installment Loan
8.75%
▼
APR8.75%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI, 48381
Consumer Loan
8.76%
▼
APR8.76%
Last UpdatedMarch 28, 2026
Details
As Low As
Highpoint Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
435 Arlington St, Middleville, MI, 49333
Used Motorsports Loan
8.92%
▼
APR8.92%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI, 48381
Consumer Loan
8.96%
▼
APR8.96%
Last UpdatedMarch 28, 2026
Details
As Low As
United Bay Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
1309 N Lincoln St, Bay City, MI, 48708 6172
Unsecured Loan
8.99%
▼
APR8.99%
Last UpdatedMarch 28, 2026
Details
As Low As
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
3095 S Commerce Rd, Wolverine Lake, MI, 48390 1418
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedMarch 28, 2026
Details
As Low As
Filer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
1117 28th St, Manistee, MI, 49660
HOLIDAY LOAN
8.99%
▼
APR8.99%
Last UpdatedMarch 28, 2026
Details
As Low As
PORT CITY
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
460 W Laketon Ave, Muskegon, MI, 49441 2632
24 Month Unsecured Loan
8.99%
▼
APR8.99%
Last UpdatedMarch 28, 2026
Details
Multi Purpose 24 Month Loan
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.10%
1255 S Main St, Chelsea, MI, 48118
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedMarch 28, 2026
Details
As Low As
Flagship Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
3910 Lapeer Rd, Port Huron, MI, 48060 2402
Personal Loan
4.45%
▼
APR4.45%
Last UpdatedMarch 28, 2026
Details
As Low As
United Bay Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
1309 N Lincoln St, Bay City, MI, 48708 6172
Personal loans
6.99%
▼
APR6.99%
Last UpdatedMarch 28, 2026
Details
As Low As; Vacation; A Special Occasion; Debt Consolidation
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
3095 S Commerce Rd, Wolverine Lake, MI, 48390 1418
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMarch 28, 2026
Details
As Low As
Berkeley Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
5600 Crooks Rd, Troy, MI, 48098 2811
Personal Loans
7.00%
▼
APR7.00%
Last UpdatedMarch 28, 2026
Details
As Low As
Steuben Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
3031 Airpark Dr N, Flint, MI, 48507 3471
Personal Loans
7.00%
▼
APR7.00%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
3095 S Commerce Rd, Wolverine Lake, MI, 48390 1418
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMarch 28, 2026
Details
As Low As
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1888 E Sherman Blvd, Muskegon, MI, 49444 1822
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1075 E Sherman Blvd, Norton Shores, MI, 49444 1807
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMarch 28, 2026
Details
As Low As
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
100 Galleria Officentre, Southfield, MI, 48034
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Great Lakes First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
2110 3rd Ave N, Escanaba, MI, 49829 2333
Personal Loan
8.00%
▼
APR8.00%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Steuben Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
3031 Airpark Dr N, Flint, MI, 48507 3471
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Everwise Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
1500 S 11th St, Niles, MI, 49120
Personal Loan
8.25%
▼
APR8.25%
Last UpdatedMarch 28, 2026
Details
As Low As
UP State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
123 S Lincoln Rd, Escanaba, MI, 49829 1339
Personal Loan
8.50%
▼
APR8.50%
Last UpdatedMarch 28, 2026
Details
As Low As
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
3095 S Commerce Rd, Wolverine Lake, MI, 48390 1418
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedMarch 28, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Lake Superior Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
801 River St, Ontonagon, MI, 49953 1620
Debt Consolidation
8.00%
▼
APR8.00%
Last UpdatedMarch 28, 2026
Details
No additional details available.
LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
106 N Marketplace Blvd, Lansing, MI, 48917 7753
Debt Consolidation Loan
8.99%
▼
APR8.99%
Last UpdatedMarch 28, 2026
Details
As Low As
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
1100 S Bagley St, Alpena, MI, 49707 8104
Debt Consolidation Loan
9.20%
▼
APR9.20%
Last UpdatedMarch 28, 2026
Details
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.
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
630 32nd St SE, Grand Rapids, MI, 49548 2306
Debt Consolidation Loan
10.09%
▼
APR10.09%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
790 Joslyn Ave, Pontiac, MI, 48340 2918
Personal and Debt Consolidation
11.24%
▼
APR11.24%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
6640 Bay Rd, Saginaw, MI, 48604
Debt Consolidation
11.49%
▼
APR11.49%
Last UpdatedMarch 28, 2026
Details
As Low As
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
G3381 Van Slyke Rd, Flint, MI, 48507 3263
Debt Consolidation Loan
11.99%
▼
APR11.99%
Last UpdatedMarch 28, 2026
Details
As Low As; with Loyalty Discount
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
790 Joslyn Ave, Pontiac, MI, 48340 2918
Personal and Debt Consolidation
12.24%
▼
APR12.24%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
790 Joslyn Ave, Pontiac, MI, 48340 2918
Personal and Debt Consolidation
13.24%
▼
APR13.24%
Last UpdatedMarch 28, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Toyota Technical Center, Saline, MI, 48176
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedMarch 28, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Toyota Technical Center, Saline, MI, 48176
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedMarch 28, 2026
Details
As Low As
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
3777 West Rd, East Lansing, MI, 48823 8029
Debt Consolidation Loan
17.99%
▼
APR17.99%
Last UpdatedMarch 28, 2026
Details
As Low As
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Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Lake Trust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.40%
1170 S Main St Ste 100, Chelsea, MI, 48118 1472
Unsecured/Signature Loan
10.50%
▼
APR10.50%
Last UpdatedMarch 28, 2026
Details
As Low As
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6000 28th St SE, Grand Rapids, MI, 49546 6927
Share/Signature
4.00%
▼
APR4.00%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6000 28th St SE, Grand Rapids, MI, 49546 6927
Signature Loans
4.50%
▼
APR4.50%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
473 E Division St, Dowagiac, MI, 49047 1541
Signature/Unsecured
5.75%
▼
APR5.75%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
31300 Hoover Rd, Warren, MI, 48093 1774
Closed End Signature Loan
5.99%
▼
APR5.99%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Harborlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2151 Cogswell Dr, Whitehall, MI, 49461
Signature Loans
7.00%
▼
APR7.00%
Last UpdatedMarch 28, 2026
Details
As Low As; Competitive rates starting at 7.00% APR, and you can use the loan for any purpose: * Vehicle repairs or updates * Family vacations * Education expenses * Debt consolidation * Wedding planning * And more
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
473 E Division St, Dowagiac, MI, 49047 1541
Signature/Unsecured
7.75%
▼
APR7.75%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
31300 Hoover Rd, Warren, MI, 48093 1774
Closed End Signature Loan
7.99%
▼
APR7.99%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
2182 Lakeshore Dr, Muskegon, MI, 49441 1414
Signature Loan
7.99%
▼
APR7.99%
Last UpdatedMarch 28, 2026
Details
As Low As; 12 Months
Detour Drummond Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
34857 S Townline Rd, Drummond Island, MI, 49726 9486
Signature Loan
8.00%
▼
APR8.00%
Last UpdatedMarch 28, 2026
Details
As Low As
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
1381 N Bagley St, Alpena, MI, 49707 8101
Personal/Signature loan
8.00%
▼
APR8.00%
Last UpdatedMarch 28, 2026
Details
As Low As
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
27850 MOUND RD, WARREN, MI, 48092
Unsecured Signature Loan
8.00%
▼
APR8.00%
Last UpdatedMarch 28, 2026
Details
As Low As; Max. Amount of Approval: $10,000 (single)
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
27850 MOUND RD, WARREN, MI, 48092
Signature Loan
8.00%
▼
APR8.00%
Last UpdatedMarch 28, 2026
Details
As Low As; Max. Amount of Approval: $15,000 (joint)
Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
526 WATER ST RM 113, PORT HURON, MI, 48060 5463
Signature Loans
8.50%
▼
APR8.50%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
65 W LAKETON AVE, MUSKEGON, MI, 49441
Signature Loan
8.50%
▼
APR8.50%
Last UpdatedMarch 28, 2026
Details
As Low As; Signature Loan rates as low as 8.50% APR!
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
211 W Center St, Alma, MI, 48801 2206
Signature Loans
8.65%
▼
APR8.65%
Last UpdatedMarch 28, 2026
Details
up to $25,000; As Low As
Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
526 WATER ST RM 113, PORT HURON, MI, 48060 5463
Signature Loans
8.75%
▼
APR8.75%
Last UpdatedMarch 28, 2026
Details
No additional details available.
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
30400 Telegraph Rd Ste 122, Bingham Farms, MI, 48025
Signature Installment Loan
8.75%
▼
APR8.75%
Last UpdatedMarch 28, 2026
Details
No additional details available.
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No home improvement personal loan rates found in Chelsea, MI currently.
Frequently Asked Questions
What credit score do I need for a personal loan in Michigan?
Most lenders in Chelsea, Michigan require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in Michigan often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in Chelsea, Michigan require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.
Can I use a personal loan for debt consolidation in Michigan?
Yes. Debt consolidation is one of the most common uses of personal loans in Chelsea, Michigan. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.
Are credit unions or banks better for personal loans in Chelsea, Michigan?
Credit unions in Chelsea, Michigan often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.
What are the best personal loan rates in Chelsea, Michigan?
- American 1 Credit Union: 10.00% (Personal Loan)
- Lake Trust Credit Union: 10.50% (Unsecured/Signature Loan)
- Route 31 Federal Credit Union: 3.99% (Expressway Loans)
- Frankenmuth Credit Union: 4.00% (Share Pledged Loan)
- Maui Teachers Federal Credit Union: 4.00% (Share/Signature)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Chelsea, Michigan. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 28, 2026.
Personal Loan Calculators
