Best Personal Loan Rates in Saginaw, 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 Saginaw, Michigan include: ELGA Credit UnionELGA Credit Union2686 McLeod Dr N, Saginaw, MI, 48604A+5.0 ★Texas Ratio: 4.95% offering Any Moment Loan at 4.50% APR, DOWDOW5420 Gratiot Rd, Saginaw, MI, 48638 6056A+5.0 ★Texas Ratio: 1.67% offering 36-96 Month Non-Rebate Loan at 4.74% APR, Frankenmuth Credit UnionFrankenmuth Credit Union2796 Erna Dr, Saginaw, MI, 48603A5.0 ★Texas Ratio: 7.85% offering 2025 or newer Loan at 5.26% APR, Consumers Professional Credit UnionConsumers Professional Credit Union1700 Court St, Saginaw, MI, 48602 4071A+5.0 ★Texas Ratio: 1.40% offering Member Signature Loans at 5.75% APR, and Family First Credit UnionFamily First Credit Union1011 N Michigan Ave, Saginaw, MI, 48602 4326A-5.0 ★Texas Ratio: 13.11% offering 5 Year Balloon - amortized 15/30 Loan at 6.00% APR. Personal loan rates as of June 7, 2026 according to verified data from MonitorBankRates.
Saginaw has 14 local institutions in our database, with personal loan rates as low as 4.50% APR from ELGA Credit Union at 2686 McLeod Dr N, Saginaw, MI, 48604. 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 Saginaw, Michigan.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Saginaw, 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
Saginaw Personal Loan Rates
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Credit Score: 700-800
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No additional details available.
Credit Score: 700-800
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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Up to $9,999
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Credit Score: 580-619
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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.
No additional details available.
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Credit Score: 700-800
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As Low As; *Rate is based on credit history. Rate shown is offered to members with excellent credit. Interest rate may increase based on current credit history. Rate may also vary based on age of collateral and term of loan.; Includes dirt bikes, motorcycles (under 500cc), personal watercrafts, ATVs and snowmobiles.
No additional details available.
Credit Score: 700-800
Up to $9,999
$10,000
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Credit Score: 620-699
$40,000
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No additional details available.
Credit Score: 580-619
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Credit Score: 700-800
$10,000
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Credit Score: 620-699
Up to $9,999
$40,000
As Low As; Regular APR: 8.99%; Earn points towards rewards.
Credit Score: 620-699
$10,000
20% Down Payment, Payments amortized up to 240 months
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No additional details available.
$40,000
Credit Score: 580-619
No additional details available.
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No additional details available.
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.
As Low As; Regular APR: 10%; Earn 2% cash back on all purchases
No additional details available.
No additional details available.
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As Low As; *APR = Annual Percentage Rate. Rates may be higher than advertised. Final rate is determined by loan applicant's creditworthiness, qualifications and collateral conditions. All rates are subject to change.
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As Low As; with Loyalty Discount
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$10,000; As Low As; Eligible for Take-Back
No additional details available.
$2,000; As Low As; Eligible for Take-Back
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No additional details available.
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As Low As; (No Credit Check) 11 Month Term
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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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No additional details available.
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This APR will vary with the market based on the dividend rate.
No additional details available.
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No additional details available.
Includes snowmobiles, motorcycles, ATVs, motor homes, campers, tractors
No additional details available.
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)
No additional details available.
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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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
As Low As; $20,000 and Over
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No additional details available.
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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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for 96 Months (75% of stock value)
Loan Special! You must meet certain requirements.
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Saginaw Personal Loan Rates
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No additional details available.
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.
No additional details available.
No additional details available.
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As Low As; *APR = Annual Percentage Rate. Rates may be higher than advertised. Final rate is determined by loan applicant's creditworthiness, qualifications and collateral conditions. All rates are subject to change.
No additional details available.
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No additional details available.
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No additional details available.
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No additional details available.
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No additional details available.
Saginaw 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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Saginaw Signature Loan Rates
Credit Score: 700-800
Credit Score: 700-800
Up to $9,999
Credit Score: 580-619
Credit Score: 700-800
Credit Score: 700-800
Up to $9,999
$10,000
Credit Score: 620-699
$40,000
Credit Score: 580-619
Credit Score: 700-800
$10,000
$40,000
Up to $9,999
Credit Score: 620-699
Credit Score: 620-699
$10,000
No additional details available.
$40,000
Credit Score: 580-619
No additional details available.
No additional details available.
As Low As
No additional details available.
$10,000; As Low As; Eligible for Take-Back
$2,000; As Low As; Eligible for Take-Back
No additional details available.
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Saginaw, MI Personal Loan Rate Trends
Compare local Saginaw, 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 Saginaw, 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 Saginaw, 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 Saginaw, 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 Saginaw, Michigan?
What are the best personal loan rates in Saginaw, Michigan?
- ELGA Credit Union: 4.50% (Any Moment Loan)
- DOW: 4.74% (36-96 Month Non-Rebate Loan)
- Frankenmuth Credit Union: 5.26% (2025 or newer Loan)
- Consumers Professional Credit Union: 5.75% (Member Signature Loans)
- Family First Credit Union: 6.00% (5 Year Balloon - amortized 15/30 Loan)
Personal Loan Calculators
