Best Personal Loan Rates in Grand Rapids, Michigan - July
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Grand Rapids, Michigan include: Maui Teachers Federal Credit UnionMaui Teachers Federal Credit Union6000 28th St SE, Grand Rapids, MI, 49546 6927A+5.0 ★Texas Ratio: 0.00% offering Signature Loans at 4.50% APR, Adventure Credit UnionAdventure Credit Union630 32nd St SE, Grand Rapids, MI, 49548 2306A+5.0 ★Texas Ratio: 3.76% offering 2019 & Newer Loan at 5.24% APR, Intandem Credit UnionIntandem Credit Union1619 Plainfield AVE NE, Grand Rapids, MI, 49505 4703A+5.0 ★Texas Ratio: 5.30% offering 2022 - 2017 Loan at 5.49% APR, Consumers Credit UnionConsumers Credit Union6770 Kalamazoo Ave SE, Grand Rapids, MI, 49508 7032A+5.0 ★Texas Ratio: 2.97% offering 7 Years Old and Newer Loan at 5.99% APR, and Blue Water Federal Credit UnionBlue Water Federal Credit Union6000 28th St SE Ste 100, Grand Rapids, MI, 49546A+5.0 ★Texas Ratio: 0.15% offering Previous Loan at 6.00% APR. Personal loan rates as of July 6, 2026 according to verified data from MonitorBankRates.
Grand Rapids has 17 local institutions in our database, with personal loan rates as low as 4.50% APR from Maui Teachers Federal Credit Union at 6000 28th St SE, Grand Rapids, MI, 49546 6927. 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 Grand Rapids, Michigan.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Grand Rapids, 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 6, 2026
Grand Rapids Personal Loan Rates
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Must provide travel itinerary
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Rates are determined by the repayment terms Loan proceeds to be paid directly to contractor.
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As Low As; Promotional rate from June 1st through August 31st, 2026.
Credit Level: Gold
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You must meet certain requirements. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
As Low As; 7.000%
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Credit Level: Silver
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Credit Level: Gold
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Credit Level: Crystal
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Credit Level: Gold
Credit Level: Silver
Borrow $5,000 - $10,000. Unsecured - No Collateral Required. Available for members in credit tiers: score must be 620 or above. Valid through April 30. Call us | Apply online | Visit a branch.
As Low As; APR = Annual Percentage Rate. Annual Percentage Rates current as of date above and are subject to change. Rates may vary based on credit history, term, and collateral.
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Credit Level: Silver
Discounts have been added to give the lowest possible rates. Some products require active checking account and auto payment transfer to receive lowest rate.
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Discounts have been added to give the lowest possible rates. Some products require active checking account and auto payment transfer to receive lowest rate.
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Credit Level: Bronze
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As Low As; 12-60 months
Discounts have been added to give the lowest possible rates. Some products require active checking account and auto payment transfer to receive lowest rate.
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Variable Rate: Prime Rate + 4.99% APR
Credit Level: Crystal
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Credit Level: Crystal
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Variable Rate: Prime Rate + 5.99% APR
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$1,000
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Credit Level: Quartz
Variable Rate: Prime Rate + 7.99% APR
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$300
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As Low As; Fixed APR
Greater of $15 or $4 per $100 of Balance
Credit Level: Bronze
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Credit Level: Bronze
Credit Level: Quartz
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Credit Level: Quartz
$200; Credit Level: Gold; 10% of loan in shares, $20 fee and 60 day membership also required.
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As low as; APR is Annual Percentage Rate. Click for details.
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As Low As; Rate subject to risk adjustment. Credit restrictions apply.
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; Loan Amount: $1,000
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As Low As; Rates based on credit score.
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As Low As; APR*
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0.00% for first 90 days.
As Low As; Rate subject to risk adjustment. Credit restrictions apply.
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As Low As; Up to 60
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Our 84 month vehicle loan product is for loans greater than or equal to $40,000.00 and for vehicles classified as a brand new vehicle.
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As Low As; Rates based on credit score.
Spring into Retirement
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loan values over $40,000
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Rates listed above are estimates, and may vary by term selected. For 2024 and newer vehicles.
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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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All rates are based on 725 credit score.
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5% Down Payment
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As Low As; Rates based on credit score.
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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.
Amount: $30,000.00 and Over
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Credit Score: 700-800
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Includes Lawn & Garden, ATV, Snowmobile, Off-Road Motorcycle, 4-Wheeler & Side-by-side72 - 84 Month available on purchases over $15,000.00.
Includes Lawn & Garden, ATV, Snowmobile, Off-Road Motorcycle-Wheeler & Side-by-sides
Secured Loan Pricing - Base Rates (as low as). Certain Restrictions Apply on Closed End Signature Loans
Secured Loan Pricing - Base Rates (as low as)
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As Low As; Model 5 Years Old & Newer Qualify
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Variable rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
APR = Annual Percentage Rate. Rates listed above are estimates, and may vary by term selected.
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Amount: $20,000 and Over
No additional details available.
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Credit Score: 700-800
5% Down Payment
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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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Variable rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
Variable rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
Grand Rapids Personal Loan Rates
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As Low As; Fixed APR
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.
Grand Rapids Debt Consolidation Loan Rates
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On debt consolidation loans, bills that are to be paid with the proceeds must be presented to the Credit Union for payment.
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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Grand Rapids Signature Loan Rates
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Credit Level: Gold
Credit Level: Gold
Credit Level: Silver
As Low As; APR = Annual Percentage Rate. Annual Percentage Rates current as of date above and are subject to change. Rates may vary based on credit history, term, and collateral.
No additional details available.
Credit Level: Silver
No additional details available.
As Low As; APR as low as
Discounts have been added to give the lowest possible rates. Some products require active checking account and auto payment transfer to receive lowest rate.
Discounts have been added to give the lowest possible rates. Some products require active checking account and auto payment transfer to receive lowest rate.
As Low As
Credit Level: Crystal
Credit Level: Crystal
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Credit Level: Bronze
Credit Level: Bronze
Credit Level: Quartz
Credit Level: Quartz
No additional details available.
Credit Score: 700-800
Secured Loan Pricing - Base Rates (as low as). Certain Restrictions Apply on Closed End Signature Loans
Credit Score: 700-800
Grand Rapids, MI Personal Loan Rate Trends
Compare local Grand Rapids, 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 0.030 points over the past 7 days to 11.580% APR.
Michigan signature loan rates currently average 10.841% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Grand Rapids, 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 Grand Rapids, 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 Grand Rapids, 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 Grand Rapids, Michigan?
What are the best personal loan rates in Grand Rapids, Michigan?
- Maui Teachers Federal Credit Union: 4.50% (Signature Loans)
- Adventure Credit Union: 5.24% (2019 & Newer Loan)
- Intandem Credit Union: 5.49% (2022 - 2017 Loan)
- Consumers Credit Union: 5.99% (7 Years Old and Newer Loan)
- Blue Water Federal Credit Union: 6.00% (Previous Loan)
Grand Rapids, Michigan Rates & Resources
Personal Loan Calculators
