Best Personal Loan Rates in Saginaw, 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 Saginaw, Michigan include: Jolt Credit UnionJolt Credit Union6180 State St, Saginaw, MI, 48603A+5.0 ★Texas Ratio: 1.26% offering 10 Year Balloon Loan at 5.33% APR, 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, Independent BankIndependent Bank1445 N Center, Saginaw, MI, 48638A+5.0 ★Texas Ratio: 1.85% offering Recreational Loans at 6.49% APR, ELGA Credit UnionELGA Credit Union2686 McLeod Dr N, Saginaw, MI, 48604A+5.0 ★Texas Ratio: 4.95% offering FHA Loan at 6.92% APR, and Lake Huron Credit UnionLake Huron Credit Union1540 Tittabawassee Rd, Saginaw, MI, 48604 9445A+5.0 ★Texas Ratio: 3.95% offering Other Titled or Non-titled Loans at 6.99% APR. Personal loan rates as of July 25, 2026 according to verified data from MonitorBankRates.
Saginaw has 15 local institutions in our database, with personal loan rates as low as 5.33% APR from Jolt Credit Union at 6180 State St, Saginaw, MI, 48603. 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: July 25, 2026
Saginaw Personal Loan Rates
20% Down Payment
5% Down Payment
As Low As
As Low As
As Low As
5% Down Payment
As Low As; financing for autos, boats, RVs, bikes, golf carts, ATVs, and more!
As Low As
10% Down Payment
As low as 6.625%
As low as 6.625%
As low as 6.625%
As Low As; 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.
Includes dirt bikes, motorcycles (under 500cc), personal watercrafts, ATVs and snowmobiles. 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.
No additional details available.
As low as 7.50% APR
No additional details available.
No additional details available.
As low as 7.750%
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.
Credit Score: 700-800
No additional details available.
As Low As
best loan rate
As Low As; 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.
Minimum $10,000
As Low As; The estimated monthly payment per $1,000 borrowed at 10.49% APR for a term of 36 months would require 36 monthly payments of $32.51 based on 30 days to first payment.
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.
Credit Score: 620-699
As low as 10.74% APR
No additional details available.
No additional details available.
As Low As
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; The estimated monthly payment per $1,000 borrowed at 10.49% APR for a term of 36 months would require 36 monthly payments of $32.51 based on 30 days to first payment.
As Low As
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.
No additional details available.
Credit Score: 580-619
As Low As; Loyalty Discount**
As low as
Eligible for Take-Back
**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.
Eligible for Take-Back
As Low As; Loyalty Discount**
As Low As; Loyalty Discount**
As Low As; Loyalty Discount**
As Low As; Loyalty Discount**
**Rate is based on credit history. Rate shown is offered to members with excellent credit. Interest rate may increase based on current credit history.
No additional details available.
As Low As; Loyalty Discount**
As Low As; Loyalty Discount**
Fees; APR=Annual Percentage Rate
No Credit Check
No Credit Check; Must be a member of Jolt for at least 180 days with an open account and in good standing. Must have a monthly direct deposit into a Jolt checking or savings account, and a monthly direct deposit aggregate total of at least $1,000 in the prior 90 days. Must be employed at your current employer for at least the last 90 days, are not past due on any loans, and have not caused Jolt CU a loss and/or do not have a negative deposit balance. Members currently in bankruptcy are not eligible. Must be 18 years or older to apply. A $60 non-refundable processing fee will be deducted from your checking or savings account regardless of loan approval status. Member can have a maximum of one (1) Let's Go Loan open at a time. Additional restrictions and conditions may apply. Loan may be changed or discontinued at any time.
Rate=15.59%
As Low As
No additional details available.
No additional details available.
As Low As
As Low As
As Low As
As Low As
APR* as Low as
APR* as Low as
As Low As
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
0.00% for first 90 days.
No additional details available.
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.
No additional details available.
As Low As; Rates based on credit score.
As Low As
Rates listed above are estimates, and may vary by term selected.
As Low As
As Low As;*
As Low As
No additional details available.
No additional details available.
Amount: $20,000.00 and Over
As Low As with Direct Deposit
No additional details available.
No additional details available.
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
APR* as Low as
APR* 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.
As Low As; *
As Low As; *
As Low As; *
As Low As
As Low As
As Low As with Direct Deposit
All rates are based on 725 credit score.
APR as low as
As Low As; *APR = Annual Percentage Rate
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; APR*
As Low As
As Low As
As Low As
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.
No additional details available.
Amount: $30,000.00 and Over
No additional details available.
As Low As
As Low As
Fixed Rate
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.
As Low As
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.
Relationship APR
As Low As
No additional details available.
As Low As
As Low As; based on a $225K loan amount
As Low As
As Low As
No additional details available.
No additional details available.
No additional details available.
$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.
As Low As; Model Year: 2023 - 2024
Rates listed above are estimates, and may vary by term selected.
Rates as low as
Amount: $20,000 and Over
As Low As with Direct Deposit
Credit Level: Gold; Credit Score: 730 and Up
As Low As
No additional details available.
Fixed rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
As Low As; 6.00%
As Low As
As Low As; APR*
As Low As; 6.250%
As Low As
As Low As
APR* as Low as
APR* as Low as
No additional details available.
As Low As; Model Year: 2023 - 2024
As Low As
Relationship APR
As Low As; 6.00%
You must meet certain requirements.
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.
As Low As
As Low As with Direct Deposit
No additional details available.
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
No additional details available.
loan values over $30,000
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.
No additional details available.
As Low As; 6.50%
As Low As
As Low As
As Low As; Model Year: 2020 - 2022
Saginaw Personal Loan Rates
No additional details available.
No additional details available.
As Low As
As Low As; 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; The estimated monthly payment per $1,000 borrowed at 10.49% APR for a term of 36 months would require 36 monthly payments of $32.51 based on 30 days to first payment.
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.
As low as 10.74% APR
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
As Low As; The estimated monthly payment per $1,000 borrowed at 10.49% APR for a term of 36 months would require 36 monthly payments of $32.51 based on 30 days to first payment.
As Low As
No additional details available.
As Low As; Loyalty Discount**
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.
As Low As; Loyalty Discount**
As Low As; Loyalty Discount**
As Low As; Loyalty Discount**
No additional details available.
As Low As; Loyalty Discount**
As Low As; Loyalty Discount**
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.
Saginaw Debt Consolidation Loan Rates
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**
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*
No additional details available.
As Low As
Saginaw Signature Loan Rates
Credit Score: 700-800
Credit Score: 620-699
No additional details available.
Credit Score: 580-619
Eligible for Take-Back
Eligible for Take-Back
No additional details available.
Secured Loan Pricing - Base Rates (as low as)
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 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 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?
- Jolt Credit Union: 5.33% (10 Year Balloon Loan)
- Family First Credit Union: 6.00% (5 Year Balloon - amortized 15/30 Loan)
- Independent Bank: 6.49% (Recreational Loans)
- ELGA Credit Union: 6.92% (FHA Loan)
- Lake Huron Credit Union: 6.99% (Other Titled or Non-titled Loans)
Personal Loan Calculators
