Best Personal Loan Rates in Ubly, 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 Ubly, Michigan include: Route 31 Federal Credit UnionRoute 31 Federal Credit UnionA+5.0 ★Texas Ratio: 2.48% offering Expressway Loans at 3.99% APR, Circle Federal Credit UnionCircle Federal Credit UnionA+5.0 ★Texas Ratio: 4.16% offering Credit Builder Loan at 4.00% APR, Baraga County Federal Credit UnionBaraga County Federal Credit UnionA+5.0 ★Texas Ratio: 0.37% offering 2021 - 2026 Loan at 4.25% APR, Maui Teachers Federal Credit UnionMaui Teachers Federal Credit UnionA+5.0 ★Texas Ratio: 0.00% offering Signature Loans at 4.50% APR, and Peninsula Federal Credit UnionPeninsula Federal Credit UnionA5.0 ★Texas Ratio: 5.95% offering New - 24 Mo Loan at 4.55% APR. Personal loan rates as of July 12, 2026 according to verified data from MonitorBankRates.
Ubly borrowers have access to 37 lenders serving the Michigan area, with personal loan rates as low as 3.99% APR from Route 31 Federal Credit Union. 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 Ubly, Michigan.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Ubly, 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 12, 2026
Ubly Personal Loan Rates
As Low As
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Loan Amount: $1,000
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As Low As
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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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As Low As;*
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As Low As
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Amount: $20,000.00 and Over
No additional details available.
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20% Down Payment
Rates are determined by the repayment terms Loan proceeds to be paid directly to contractor.
No additional details available.
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
No additional details available.
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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.
Credit Score: 700-800
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Amount: $30,000.00 and Over
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As Low As
Secured Loan Pricing - Base Rates (as low as). Certain Restrictions Apply on Closed End Signature Loans
Secured Loan Pricing - Base Rates (as low as)
Fixed APR: 6.99%
No additional details available.
As Low As; Previous Loan
As Low As; *
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As Low As; Model Year: 2023 - 2024
Credit Level: Gold; Credit Score: 730 and Up
As Low As
Amount: $20,000 and Over
Credit Score: 700-800
No additional details available.
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5% Down Payment
Fixed rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
As Low As; 6.00%
No additional details available.
As Low As; 6.250%
As Low As
As Low As; financing for autos, boats, RVs, bikes, golf carts, ATVs, and more!
As Low As; Model Year: 2023 - 2024
Fixed APR: 7.49%
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As Low As
As Low As; 6.00%
Fixed rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
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.
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.
No additional details available.
Up to $9,999
As Low As
Up to $9,999
loan values over $30,000
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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;*
As Low As
As Low As
As Low As
As Low As
As Low As; Model Year: 2020 - 2022
As Low As; Adjusted Quarterly
No additional details available.
loan values over $30,000
Credit Score: 580-619
loan values over $30,000
As Low As; 6.50%
10% Down Payment
No additional details available.
As Low As; 6.75%
No additional details available.
As Low As; 7.000%
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%
As Low As
No additional details available.
loan values over $30,000
No additional details available.
Credit Score: 700-800
As Low As
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
Terms available up to 72 months
$10,000
Credit Level: Silver; Credit Score: 729 - 670
As Low As
No additional details available.
$10,000
Up to $9,999
Credit Score: 700-800
Up to $9,999
No additional details available.
Ubly 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.
Ubly 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.
No additional details available.
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**
No additional details available.
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As Low As
Ubly Signature Loan Rates
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
Credit Score: 700-800
Up to $9,999
$10,000
Ubly, MI Personal Loan Rate Trends
Compare local Ubly, 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 0.102 points over the past 7 days to 11.447% APR.
Michigan signature loan rates rose 0.081 points over the past 7 days to 10.749% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Ubly, 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 Ubly, 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 Ubly, 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 Ubly, Michigan?
What are the best personal loan rates in Ubly, Michigan?
- Route 31 Federal Credit Union: 3.99% (Expressway Loans)
- Circle Federal Credit Union: 4.00% (Credit Builder Loan)
- Baraga County Federal Credit Union: 4.25% (2021 - 2026 Loan)
- Maui Teachers Federal Credit Union: 4.50% (Signature Loans)
- Peninsula Federal Credit Union: 4.55% (New - 24 Mo Loan)
Personal Loan Calculators
