Best Personal Loan Rates in Sterling Heights, Michigan -
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Brian McKay
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Current personal loan options available to borrowers in Sterling Heights, Michigan include: Genisys Credit UnionGenisys Credit Union35790 Van Dyke Ave, Sterling Heights, MI, 48312A+5.0 ★Texas Ratio: 4.68% offering Personal Loan at 5.74% APR, First State Bank (MI)First State Bank (MI)2032 19 Mile Rd, Sterling Heights, MI, 48314A+5.0 ★Texas Ratio: 1.41% offering 10 Year Loan at 6.09% APR, Cornerstone Community Financial Credit UnionCornerstone Community Financial Credit Union44911 Mound Rd, Sterling Heights, MI, 48314A+5.0 ★Texas Ratio: 5.53% offering Personal/Unsecured Loan at 9.49% APR, FreeStar Financial Credit UnionFreeStar Financial Credit Union34642 Van Dyke Ave, Sterling Heights, MI, 48312A5.0 ★Texas Ratio: 8.12% offering Unsecured Loan at 9.74% APR, and The Local Credit UnionThe Local Credit Union39139 Mound Rd, Sterling Heights, MI, 48310 2737A+5.0 ★Texas Ratio: 0.99% offering Signature Loan at 11.75% APR. Personal loan rates as of July 11, 2026 according to verified data from MonitorBankRates.
Sterling Heights has 5 local institutions in our database, with personal loan rates as low as 5.74% APR from Genisys Credit Union at 35790 Van Dyke Ave, Sterling Heights, MI, 48312. 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: July 11, 2026
Sterling Heights Personal Loan Rates
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.
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As Low As; Rate is determined at time of application based on individual credit experience. Minimum credit rating required to qualify for this loan. Actual term will vary based on loan amount borrowed. Maximum loan amount is $5,000. Limited time offer and may end at any time.
As low as. APR is Annual Percentage Rate. Click for details.
As Low As; Rate is determined at time of application based on individual credit experience. Minimum credit rating required to qualify for this loan. Actual term will vary based on loan amount borrowed. Maximum loan amount is $5,000. Limited time offer and may end at any time.
As low as. APR is Annual Percentage Rate. Click for details.
As Low As; Annual Percentage Rates (APR) and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and Direct Deposit of payroll, social security or retirement with AutoPay set up from a Genisys checking or savings account. Minimum credit score required to qualify for this loan. Loan limits from $5,000 and up to $30,000 with terms up to 60 months. Limited time offer.
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up to $15,000; As Low As; The "as low as" rate of 10.49% APR includes discounts for Payment Protection coverage OR active checking with a full payroll direct deposit of $2,000 or more per month. APR may be higher, based on the term of the loan, and credit score. New money only. Rates are subject to change at any time.
up to $15,000; As Low As; The "as low as" rate of 10.49% APR includes discounts for Payment Protection coverage OR active checking with a full payroll direct deposit of $2,000 or more per month. APR may be higher, based on the term of the loan, and credit score. New money only. Rates are subject to change at any time.
As Low As; Annual Percentage Rates (APR) and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and Direct Deposit of payroll, social security or retirement with AutoPay set up from a Genisys checking or savings account. Minimum credit score required to qualify for this loan. Loan limits from $5,000 and up to $30,000 with terms up to 60 months. Limited time offer.
As Low As; Annual Percentage Rates (APR) and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and Direct Deposit of payroll, social security or retirement with AutoPay set up from a Genisys checking or savings account. Approximate monthly payment would be $18.65 per $1,000 borrowed at 10.24% for 72 months. Maximum total unsecured credit allowed is $50,000.
As Low As; Maximum APR: 18.00%. Annual Percentage Rates (APR) may vary depending upon credit qualifications. Maximum loan amount $20,000. Payments do not begin until an advance is made. Funds are accessed by transferring funds to your Genisys checking account.
$15,001 - $25,000; As Low As; The "as low as" rate of 10.49% APR includes discounts for Payment Protection coverage OR active checking with a full payroll direct deposit of $2,000 or more per month. APR may be higher, based on the term of the loan, and credit score. New money only. Rates are subject to change at any time.
$15,001 - $25,000; As Low As; The "as low as" rate of 10.49% APR includes discounts for Payment Protection coverage OR active checking with a full payroll direct deposit of $2,000 or more per month. APR may be higher, based on the term of the loan, and credit score. New money only. Rates are subject to change at any time.
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No additional details available.
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. Approximate monthly payment would be $90.02 per $1,000 borrowed at 14.49% for 12 months.
Qualifications Required: Direct deposits of at least $1,500 per month deposited to a Genisys Credit Union account for the three months prior to application.; As Low As; 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.
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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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Loan Amount: $1,000
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Must provide travel itinerary
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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loan values over $40,000
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Amount: $20,000.00 and Over
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20% Down Payment
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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
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.; 84 month term on new vehicles only based on credit score.
5% Down Payment
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Credit Score: 700-800
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Amount: $30,000.00 and Over
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Secured Loan Pricing - Base Rates (as low as)
Secured Loan Pricing - Base Rates (as low as). Certain Restrictions Apply on Closed End Signature Loans
Fixed APR: 6.99%
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As Low As; Previous Loan
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As Low As; Model Year: 2023 - 2024
Credit Score: 700-800
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Amount: $20,000 and Over
No additional details available.
Credit Level: Gold
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5% Down Payment
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%
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As Low As; 6.250%
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As Low As; financing for autos, boats, RVs, bikes, golf carts, ATVs, and more!
As Low As; Model Year: 2023 - 2024
As Low As
Fixed APR: 7.49%
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As Low As; 6.00%
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.; 84 month term on new vehicles only based on credit score.
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Fixed rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
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.
Up to $9,999
Up to $9,999
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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.
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As Low As; 6.50%
As Low As; Model Year: 2020 - 2022
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loan values over $30,000
loan values over $30,000
Credit Score: 580-619
As Low As; Adjusted Quarterly
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As Low As; 6.50%
10% Down Payment
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As Low As; 6.75%
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As Low As; 7.000%
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Rates as low as 6.99% APR. Actual rate may vary based on creditworthiness, loan term, and loan amount. Subject to credit approval.
As Low As; Model Year: 2020 - 2022
As Low As; 6.50%
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Credit Score: 700-800
No additional details available.
loan values over $30,000
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As Low As; 6.75%
Fixed rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
No additional details available.
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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.
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As Low As; Model Year: 2015 - 2019
Sterling Heights Personal Loan Rates
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; Annual Percentage Rates (APR) and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and Direct Deposit of payroll, social security or retirement with AutoPay set up from a Genisys checking or savings account. Minimum credit score required to qualify for this loan. Loan limits from $5,000 and up to $30,000 with terms up to 60 months. Limited time offer.
As Low As; Annual Percentage Rates (APR) and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and Direct Deposit of payroll, social security or retirement with AutoPay set up from a Genisys checking or savings account. Minimum credit score required to qualify for this loan. Loan limits from $5,000 and up to $30,000 with terms up to 60 months. Limited time offer.
As Low As; Annual Percentage Rates (APR) and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and Direct Deposit of payroll, social security or retirement with AutoPay set up from a Genisys checking or savings account. Approximate monthly payment would be $18.65 per $1,000 borrowed at 10.24% for 72 months. Maximum total unsecured credit allowed is $50,000.
As Low As; Maximum APR: 18.00%. Annual Percentage Rates (APR) may vary depending upon credit qualifications. Maximum loan amount $20,000. Payments do not begin until an advance is made. Funds are accessed by transferring funds to your Genisys checking account.
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. Approximate monthly payment would be $90.02 per $1,000 borrowed at 14.49% for 12 months.
Sterling Heights Debt Consolidation Loan Rates
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.
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As Low As; Rates are subject to change without notice. Call the credit union for current rate. Rates are based on the applicant's credit score.
As Low As; Loyalty Discount**
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As Low As
Sterling Heights Signature Loan Rates
No additional details available.
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
Up to $9,999
Credit Score: 580-619
Credit Score: 700-800
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 0.173 points over the past 7 days to 11.377% APR.
Michigan signature loan rates fell 0.095 points over the past 7 days to 10.745% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Sterling Heights, 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 Sterling Heights, 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 Sterling Heights, 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 Sterling Heights, Michigan?
What are the best personal loan rates in Sterling Heights, Michigan?
- Genisys Credit Union: 5.74% (Personal Loan)
- First State Bank (MI): 6.09% (10 Year Loan)
- Cornerstone Community Financial Credit Union: 9.49% (Personal/Unsecured Loan)
- FreeStar Financial Credit Union: 9.74% (Unsecured Loan)
- The Local Credit Union: 11.75% (Signature Loan)
Sterling Heights, Michigan Rates & Resources
Personal Loan Calculators
