Best Personal Loan Rates in Waterford, 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 Waterford, Michigan include: Vibe Credit UnionVibe Credit Union1220 County Center Dr W, Waterford, MI, 48328 1904A+5.0 ★Texas Ratio: 5.49% offering 2018-2024 Model Years Loan at 4.74% APR, Genisys Credit UnionGenisys Credit Union7372 Highland Rd, Waterford, MI, 48327 1508A+5.0 ★Texas Ratio: 4.68% offering Personal Loan at 5.74% APR, Security Credit UnionSecurity Credit Union4396 Highland Rd, Waterford, MI, 48328A-5.0 ★Texas Ratio: 14.23% offering Power Sports Loan at 7.24% APR, Michigan United Credit UnionMichigan United Credit Union4594 Pontiac Lake Rd, Waterford, MI, 48328A+5.0 ★Texas Ratio: 1.31% offering Unsecured - Closed End Loan at 9.49% APR, and Route 31 Federal Credit UnionRoute 31 Federal Credit UnionA+5.0 ★Texas Ratio: 2.48% offering Expressway Loans at 3.99% APR. Personal loan rates as of June 7, 2026 according to verified data from MonitorBankRates.
Waterford has 4 local institutions in our database, with personal loan rates as low as 4.74% APR from Vibe Credit Union at 1220 County Center Dr W, Waterford, MI, 48328 1904. 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 Waterford, Michigan.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Waterford, 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
Waterford Personal Loan Rates
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No additional details available.
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.
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As Low As; 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; 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; Loan Amount: $5,000 - $30,000
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As Low As; Loan Amount: $5,000 - $30,000
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As Low As; *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.; Apply Online
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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.
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.
$10,000
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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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As Low As; Up to 48 mo
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This APR will vary with the market based on the dividend rate.
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)
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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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Credit Score: 700-800
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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
Credit Score: 700-800
As Low As; $20,000 and Over
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No additional details available.
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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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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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Up to $9,999
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for 96 Months (75% of stock value)
Loan Special! You must meet certain requirements.
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Waterford Personal Loan Rates
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As Low As; Loan Amount: $5,000 - $30,000
As Low As; Loan Amount: $5,000 - $30,000
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As Low As; *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.; Apply Online
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.
No additional details available.
Waterford 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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As Low As; with Loyalty Discount
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Waterford Signature Loan Rates
No additional details available.
Credit Score: 700-800
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Credit Score: 700-800
Up to $9,999
Waterford, MI Personal Loan Rate Trends
Compare local Waterford, 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 0.004 points over the past 7 days to 11.298% APR.
Michigan signature loan rates fell 0.084 points over the past 7 days to 10.726% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Waterford, 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 Waterford, 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 Waterford, 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 Waterford, Michigan?
What are the best personal loan rates in Waterford, Michigan?
- Vibe Credit Union: 4.74% (2018-2024 Model Years Loan)
- Genisys Credit Union: 5.74% (Personal Loan)
- Security Credit Union: 7.24% (Power Sports Loan)
- Michigan United Credit Union: 9.49% (Unsecured - Closed End Loan)
- Route 31 Federal Credit Union: 3.99% (Expressway Loans)
Personal Loan Calculators
