Best Personal Loan Rates in Kalamazoo, Michigan - July 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 Kalamazoo, Michigan include: OMNI Community Credit UnionOMNI Community Credit Union6622 W Main St, Kalamazoo, MI, 49009A+5.0 ★Texas Ratio: 3.29% offering 2020 and Newer (Various terms) Loan at 4.99% APR, Honor Credit UnionHonor Credit Union148 E Michigan Ave, Kalamazoo, MI, 49007A+5.0 ★Texas Ratio: 5.50% offering 5.5 Year Balloon Loan at 5.40% APR, Kalsee Credit UnionKalsee Credit Union2121 S Drake Rd, Kalamazoo, MI, 49006 5776A+5.0 ★Texas Ratio: 4.03% offering Summer Loans at 8.49% APR, Preferred Credit UnionPreferred Credit Union4245 S Westnedge Ave, Kalamazoo, MI, 49008 3207A+5.0 ★Texas Ratio: 1.67% offering Summer Loan Special (unsecured) at 9.99% APR, and North Central Area Credit UnionNorth Central Area Credit Union1313 Portage St, Kalamazoo, MI, 49001A5.0 ★Texas Ratio: 10.89% offering Unsecured Personal Loan at 10.24% APR. Personal loan rates as of July 25, 2026 according to verified data from MonitorBankRates.
Kalamazoo has 7 local institutions in our database, with personal loan rates as low as 4.99% APR from OMNI Community Credit Union at 6622 W Main St, Kalamazoo, MI, 49009. 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 Kalamazoo, Michigan.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Kalamazoo, 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
Kalamazoo Personal Loan Rates
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As; 2025 and Newer
As Low As; 2020 and Newer
As Low As; Personal loan for summer plans.
Some products require active checking account and auto payment transfer to receive lowest rate.
Unsecured
With VIP Perks Discount: 9.99%
As Low As
As Low As; 60-day no-pay personal loan special. Plus, be entered to win $350 just for opening a personal loan. Qualifying borrowers may be eligible to defer their first payment for up to 60 days, dependent upon credit score and when the loan closes. Interest accrues from date of loan disbursement and is collected on the first payment(s) applied. Promotional period June 1, 2026 -August 31, 2026.
As Low As; APR as low as
As Low As
With VIP Perks Discount: 10.49%
Some products require active checking account and auto payment transfer to receive lowest rate.
As Low As
As low as
Some products require active checking account and auto payment transfer to receive lowest rate.
Rates accurate as of Jul 16, 2026; *
As Low As
Rates accurate as of Jul 16, 2026; *
Rates accurate as of Jul 16, 2026; *
As Low As
Rates accurate as of Jul 16, 2026; *
As low as
As Low As
No additional details available.
No additional details available.
As Low As
As Low As
As Low As
As Low As
As Low As
APR* as Low as
As Low As
APR* as Low as
Loan Amount: $1,000
No additional details available.
No additional details available.
No additional details available.
As Low As; Rates based on credit score.
As Low As
As Low As
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.
As Low As
No additional details available.
As Low As
0.00% for first 90 days.
No additional details available.
No additional details available.
As Low As; Rates based on credit score.
Rates listed above are estimates, and may vary by term selected.
As Low As;*
As Low As
As Low As
Amount: $20,000.00 and Over
As Low As with Direct Deposit
As Low As
No additional details available.
No additional details available.
No additional details available.
20% Down Payment
As Low As; Rates based on credit score.
As Low As; APR*
As Low As; APR*
As Low As
As Low As; APR*
As Low As
As Low As
As Low As; *
As Low As
As Low As; *
As Low As; *
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.
APR* as Low as
APR* as Low as
As Low As; *APR = Annual Percentage Rate
APR as low as
All rates are based on 725 credit score.
As Low As with Direct Deposit
As Low As
5% Down Payment
No additional details available.
No additional details available.
Rates as low as
As Low As; Rates based on credit score.
As Low As
As Low As
As Low As; 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.
As Low As
As Low As
Fixed Rate
No additional details available.
Amount: $30,000.00 and Over
No additional details available.
As Low As
As Low As
No additional details available.
Rates as low as
Secured Loan Pricing - Base Rates (as low as)
As Low As
As Low As
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.
Secured Loan Pricing - Base Rates (as low as)
Includes Lawn & Garden, ATV, Snowmobile, Off-Road Motorcycle-Wheeler & Side-by-sides
Includes Lawn & Garden, ATV, Snowmobile, Off-Road Motorcycle, 4-Wheeler & Side-by-side72 - 84 Month available on purchases over $15,000.00.
As Low As
Relationship APR
As Low As
No additional details available.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; based on a $225K loan amount
As Low As
$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.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Rates as low as
Rates listed above are estimates, and may vary by term selected.
As Low As; Model Year: 2023 - 2024
Credit Level: Gold; Credit Score: 730 and Up
No additional details available.
As Low As
Amount: $20,000 and Over
As Low As with Direct Deposit
5% Down Payment
Fixed rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
As Low As; 6.00%
As Low As; APR*
As Low As
As Low As; 6.250%
As Low As
As Low As; Model Year: 2023 - 2024
As Low As; financing for autos, boats, RVs, bikes, golf carts, ATVs, and more!
Relationship APR
No additional details available.
APR* as Low as
APR* as Low as
As Low As
As Low As
As Low As; 6.00%
loan values over $30,000
No additional details available.
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.
No additional details available.
As Low As with Direct Deposit
As Low As
You must meet certain requirements.
No additional details available.
Fixed rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
As Low As
All rates are based on 725 credit score; 84 month term on new vehicles only based on credit score.
75% of stock value
As Low As; 6.250%
Variable rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
No additional details available.
As Low As; 6.50%
As Low As
As Low As
As Low As; Model Year: 2020 - 2022
Kalamazoo Personal Loan Rates
Unsecured
With VIP Perks Discount: 9.99%
With VIP Perks Discount: 10.49%
As Low As
As Low As
Rates accurate as of Jul 16, 2026; *
As Low As
Rates accurate as of Jul 16, 2026; *
Rates accurate as of Jul 16, 2026; *
Rates accurate as of Jul 16, 2026; *
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.
No additional details available.
Kalamazoo 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**
As Low As*
No additional details available.
As Low As
Kalamazoo Signature Loan Rates
As Low As; APR as low as
Some products require active checking account and auto payment transfer to receive lowest rate.
Some products require active checking account and auto payment transfer to receive lowest rate.
No additional details available.
Secured Loan Pricing - Base Rates (as low as)
Kalamazoo, MI Personal Loan Rate Trends
Compare local Kalamazoo, 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 0.124 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 Kalamazoo, 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 Kalamazoo, 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 Kalamazoo, 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 Kalamazoo, Michigan?
What are the best personal loan rates in Kalamazoo, Michigan?
- OMNI Community Credit Union: 4.99% (2020 and Newer (Various terms) Loan)
- Honor Credit Union: 5.40% (5.5 Year Balloon Loan)
- Kalsee Credit Union: 8.49% (Summer Loans)
- Preferred Credit Union: 9.99% (Summer Loan Special (unsecured))
- North Central Area Credit Union: 10.24% (Unsecured Personal Loan)
Personal Loan Calculators
