Best Personal Loan Rates in Sterling Heights, Michigan (MI) - April 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 Sterling Heights, Michigan include: Citizens BankCitizens Bank2270 16 Mile Rd, Sterling Heights, MI, 48310A5.0 ★Texas Ratio: 8.28% offering Medical Residency Refinance Loan at 5.45% APR, Genisys Credit UnionGenisys Credit Union35790 Van Dyke Ave, Sterling Heights, MI, 48312A+5.0 ★Texas Ratio: 5.03% offering Credit Builder Loan at 5.74% APR, Michigan Schools And Government Credit UnionMichigan Schools And Government Credit Union2356 Metropolitan Pkwy, Sterling Heights, MI, 48310 4209A+5.0 ★Texas Ratio: 3.83% offering Vacant Land Loan 10 Year Fixed at 7.71% APR, Cornerstone Community Financial Credit UnionCornerstone Community Financial Credit Union44911 Mound Rd, Sterling Heights, MI, 48314A+5.0 ★Texas Ratio: 5.88% offering Personal/Unsecured at 9.49% APR, and FreeStar Financial Credit UnionFreeStar Financial Credit Union34642 Van Dyke Ave, Sterling Heights, MI, 48312A5.0 ★Texas Ratio: 8.54% offering Personal Loan Unsecured at 9.74% APR. Personal loan rates as of April 5, 2026 according to verified data from MonitorBankRates.
Sterling Heights has 9 local institutions in our database, with personal loan rates as low as 5.45% APR from Citizens Bank at 2270 16 Mile Rd, Sterling Heights, MI, 48310. 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 Sterling Heights, Michigan.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Sterling Heights, 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: April 5, 2026
Fixed rates
Variable rates
Your interest rate and monthly payments can fluctuate during the repayment period.
As Low As; Proof of Income is required.
No additional details available.
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
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up to $15,000; As Low As
up to $15,000; As Low As
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As Low As; Rates based on term and credit score. Minimum loan term of 1 month and maximum APR 19.25%. Contact Member Service Representative for more details.
up to $15,000; As Low As
Fixed rates
up to $15,000; As Low As
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Variable rates
As Low As; Rates based on term and credit score. Minimum loan term of 1 month and maximum APR 19.25%. Contact Member Service Representative for more details.
$15,001 - $25,000; As Low As
$15,001 - $25,000; As Low As
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No additional details available.
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$15,001 - $25,000; As Low As
$15,001 - $25,000; As Low As
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No additional details available.
As Low As; Rates based on term and credit score. Minimum loan term of 1 month and maximum APR 19.25%. Contact Member Service Representative for more details.
As Low As; A minimum of 20% down payment is required. Loans are not eligible for discounts, GAP, MRC or credit life/disability. Maximum total loan aggregate can not exceed $49,999.
As Low As; Unsecured terms up to 72 months
As Low As; *Annual Percentage Rates (APR) and terms may vary depending upon payment protection package, and Direct Deposit of payroll, social security or retirement with AutoPay set up from a Genisys checking or savings account. Must be Genisys Credit Union member for at least 3 months. Proof of Income is required.
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As Low As; *Approximate monthly payment would be $91.49 for $1,000 borrowed at 17.64% APR for 12 months. APR is annual percentage yield. Must have direct deposits of at least $1,500 per month deposited to a Genisys Credit Union account for the three months prior to application. Must be a member in good standing and not have any current loan delinquency or negative deposit account balance with Genisys Credit Union at the time of application. Direct deposit required, automatic payment encouraged. Only one Express Loan can be open at a time. No more than 3 new Express Loans in a six month rolling period. Limited time offer. Other rules and restrictions apply.
As Low As
$10,000
As Low As; Health care/injury, pet emergency, home repair, auto repair
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No additional details available.
As Low As; for example funds in a 1.00%APY product; Savings Product + 3.00%
No additional details available.
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As Low As
No additional details available.
No additional details available.
As Low As; And 90 Days No Payment1
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No additional details available.
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No additional details available.
Must provide travel itinerary
This APR will vary with the market based on the dividend rate.
As Low As
No additional details available.
As Low As; Financing up to 84 months. No down payment required.
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Rates are determined by the repayment terms; Loan proceeds to be paid directly to contractor.
No additional details available.
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No additional details available.
No additional details available.
Relationship APR
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No additional details available.
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No additional details available.
Relationship APR
No additional details available.
As Low As; 2025 and Newer
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No additional details available.
Months (75% of stock value)
No additional details available.
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No additional details available.
No additional details available.
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As Low As; 2024-2017
As Low As
No additional details available.
30-Year Amortization
As Low As
No additional details available.
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As Low As; Over 50% of loan amt must be new money
As Low As; Vacation; A Special Occasion; Debt Consolidation
Fixed APR
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As Low As; Lower rates than typical credit cards (starting at 6.99% APR)
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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
No additional details available.
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No additional details available.
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Fixed APR
No additional details available.
Credit Score: 800+
No additional details available.
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No additional details available.
Multi Purpose 12 Month Loan
As Low As; 12 Month Max
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No additional details available.
Low fixed 7.99% APR*
As Low As; 12 Months
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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.
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As Low As; Max. Amount of Approval: $10,000 (single)
No additional details available.
As Low As; Max. Amount of Approval: $15,000 (joint)
No additional details available.
No Terms
As Low As
No additional details available.
Credit Score: 750-799
No additional details available.
No additional details available.
As Low As
up to $10,000; As Low As
No additional details available.
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Credit Score: 700-749
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No additional details available.
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No additional details available.
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As Low As; Starting at 12 months
As Low As; FOR UP TO 24 MONTHS
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up to $25,000; As Low As
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No additional details available.
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up to $15,000; As Low As
up to $15,000; As Low As
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$15,001 - $25,000; As Low As
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$15,001 - $25,000; As Low As
As Low As; Unsecured terms up to 72 months
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As Low As; Vacation; A Special Occasion; Debt Consolidation
No additional details available.
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No additional details available.
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No Terms
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As Low As; FOR UP TO 24 MONTHS
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No additional details available.
No additional details available.
As Low As
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.
No additional details available.
No additional details available.
As Low As
As Low As; with Loyalty Discount
No additional details available.
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No additional details available.
As Low As
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As Low As; Rates based on term and credit score. Minimum loan term of 1 month and maximum APR 19.25%. Contact Member Service Representative for more details.
As Low As; Rates based on term and credit score. Minimum loan term of 1 month and maximum APR 19.25%. Contact Member Service Representative for more details.
As Low As
As Low As; Rates based on term and credit score. Minimum loan term of 1 month and maximum APR 19.25%. Contact Member Service Representative for more details.
No additional details available.
No additional details available.
No additional details available.
As Low As
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
No additional details available.
As Low As
As Low As; 12 Months
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As Low As; Max. Amount of Approval: $15,000 (joint)
As Low As; Max. Amount of Approval: $10,000 (single)
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up to $25,000; As Low As
Sterling Heights, MI Personal Loan Rate Trends
Compare local Sterling Heights, 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 0.127 points over the past 7 days to 11.443% APR.
Michigan signature loan rates fell 0.036 points over the past 7 days to 11.108% APR.
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 Sterling Heights, Michigan?
What are the best personal loan rates in Sterling Heights, Michigan?
- Citizens Bank: 5.45% (Medical Residency Refinance Loan)
- Genisys Credit Union: 5.74% (Credit Builder Loan)
- Michigan Schools And Government Credit Union: 7.71% (Vacant Land Loan 10 Year Fixed)
- Cornerstone Community Financial Credit Union: 9.49% (Personal/Unsecured)
- FreeStar Financial Credit Union: 9.74% (Personal Loan Unsecured)
Personal Loan Calculators
