Finance Auto in Bay City MI 48706

Looking for the best car loan APR in Bay City, MI? Compare local offers easily to find low rates and flexible terms that fit your budget. Whether it’s a new or used vehicle, you’ll get clear options from trusted lenders right here in your community.

Get behind the wheel faster with quick approvals and personalized service from Bay City credit unions and banks. Comparing loan offers helps you save money and drive away confident, knowing you chose the best deal for your next car.

🏦 All Local Lenders in Bay City, MI

Lender Name	Branch Address	Timings & Contact	General Services Offered	Office Services	Lender Snapshot
GREAT LAKES FEDERAL CREDIT UNION	1002 W INDIANA ST BAY CITY MI 48706	⏰ 9am - 5pm Monday - Thursday 8:30am - 5:30pm Friday 9am - 12pm Saturday 📞 9896844200 📠 9898930412	Personal Banking (Checking & Savings Accounts) Auto Loans & Vehicle Financing Mortgage Loans & Refinancing Personal Loans & Debt Consolidation Credit Cards with Rewards Business Banking (Merchant Services & Business Loans) Online & Mobile Banking ATM & Cash Withdrawal Services Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions)	Drive-Thru E-Statements E-Signature	Assets: $59,249,368 Deposits: $1,104,451 Net Worth: $6,779,258 Employees: 17 Members: 4,646
WILDFIRE CREDIT UNION	2936 WILDER RD BAY CITY MI 48706	⏰ Lobby - M-Th 9:00am-5:30pm, F 9:00am-6:00pm Drive-Through - M-Th 8:00am-5:30pm, F 8:00am-6:00pm, Sa 9:00am-12:30pm 📞 9892498200	Personal Banking (Checking & Savings Accounts) Auto Loans & Vehicle Financing Mortgage Loans & Refinancing Personal Loans & Debt Consolidation Credit Cards with Rewards Business Banking (Merchant Services & Business Loans) Online & Mobile Banking ATM & Cash Withdrawal Services Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions) Basic ATM Access (Withdrawals, Balance Checks)	ATM Drive-Thru P2P E-Statements E-Signature	Assets: $1,100,973,053 Deposits: $21,525,212 Net Worth: $124,587,850 Employees: 200 Members: 49,000
WILDFIRE CREDIT UNION	3201 KIESEL RD BAY CITY MI 48706	⏰ 10:30am - 12:30pm M-F 📞 9892498200	Personal Banking (Checking & Savings Accounts) Auto Loans & Vehicle Financing Mortgage Loans & Refinancing Personal Loans & Debt Consolidation Credit Cards with Rewards Business Banking (Merchant Services & Business Loans) Online & Mobile Banking ATM & Cash Withdrawal Services	P2P E-Statements E-Signature	Assets: $1,100,973,053 Deposits: $21,525,212 Net Worth: $124,587,850 Employees: 200 Members: 49,000
COPOCO COMMUNITY CREDIT UNION	4265 WILDER RD BAY CITY MI 48706	⏰ Monday-Friday 8:30am - 5:30pm Saturday (Tellers Only) 8:30am - 12 pm 📞 9896841873 📠 9896843631	Personal Banking (Checking & Savings Accounts) Auto Loans & Vehicle Financing Mortgage Loans & Refinancing Personal Loans & Debt Consolidation Credit Cards with Rewards Business Banking (Merchant Services & Business Loans) Online & Mobile Banking ATM & Cash Withdrawal Services Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions) Basic ATM Access (Withdrawals, Balance Checks)	ATM Drive-Thru P2P E-Statements E-Signature	Assets: $104,355,298 Deposits: $9,176,706 Net Worth: $8,379,285 Employees: 32 Members: 8,686
COPOCO COMMUNITY CREDIT UNION	1479 STRAITS DR BAY CITY MI 48706	⏰ m - f 8:30-5:30S - 8:30-12:00 📞 9896841873 📠 9896843631	Personal Banking (Checking & Savings Accounts) Auto Loans & Vehicle Financing Mortgage Loans & Refinancing Personal Loans & Debt Consolidation Credit Cards with Rewards Business Banking (Merchant Services & Business Loans) Online & Mobile Banking ATM & Cash Withdrawal Services Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions) Basic ATM Access (Withdrawals, Balance Checks)	ATM Drive-Thru P2P E-Statements E-Signature	Assets: $104,355,298 Deposits: $9,176,706 Net Worth: $8,379,285 Employees: 32 Members: 8,686
UNITED BAY COMMUNITY CREDIT UNION	3939 N EUCLID AVE BAY CITY MI 48706	⏰ 9:00 am thru 5:00 pm Lobby M-T-W-Th-F 9:00 am thru 5:00 pm Drive thru M-T-W-Th-F 9:00 am - 12:00 pm Drive thru Sat Open at 10:00 am on the Third Wednesday of the Month 📞 9898924597 📠 9898925701	Personal Banking (Checking & Savings Accounts) Auto Loans & Vehicle Financing Mortgage Loans & Refinancing Personal Loans & Debt Consolidation Credit Cards with Rewards Business Banking (Merchant Services & Business Loans) Online & Mobile Banking ATM & Cash Withdrawal Services Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions) Basic ATM Access (Withdrawals, Balance Checks)	ATM Drive-Thru P2P E-Statements E-Signature	Assets: $281,461,818 Deposits: $12,220,270 Net Worth: $20,717,387 Employees: 79 Members: 18,352
FINANCIALEDGE CREDIT UNION	1199 S EUCLID AVE BAY CITY MI 48706	⏰ Lobby - M-F 9:00 am - 5:00 pm Drive Thru - M-F 8:00 am - 6:00 pm & Saturday 9:00 am - 12:30 pm 📞 9898926088 📠 9894603194	Personal Banking (Checking & Savings Accounts) Auto Loans & Vehicle Financing Mortgage Loans & Refinancing Personal Loans & Debt Consolidation Credit Cards with Rewards Business Banking (Merchant Services & Business Loans) Online & Mobile Banking ATM & Cash Withdrawal Services Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions) Basic ATM Access (Withdrawals, Balance Checks)	ATM Drive-Thru P2P E-Statements E-Signature	Assets: $124,935,543 Deposits: $15,282,482 Net Worth: $16,032,502 Employees: 33 Members: 8,833
LAKE HURON CREDIT UNION	314 E MIDLAND ST BAY CITY MI 48706	⏰ 9-5:30 Monday, Tuesday, Thursday 10-5:30 Wednesday, 8-6 Friday 📞 9897525214 📠 9897520203	Personal Banking (Checking & Savings Accounts) Auto Loans & Vehicle Financing Mortgage Loans & Refinancing Personal Loans & Debt Consolidation Credit Cards with Rewards Business Banking (Merchant Services & Business Loans) Online & Mobile Banking ATM & Cash Withdrawal Services Basic Shared Branch Transactions (Deposits & Withdrawals for Partner Credit Union Members) Basic ATM Access (Withdrawals, Balance Checks)	ATM P2P E-Statements	Assets: $80,644,974 Deposits: $6,516,634 Net Worth: $11,093,930 Employees: 27 Members: 6,661
UNITED FINANCIAL CREDIT UNION	6354 WESTSIDE SAGINAW RD BAY CITY MI 48706	⏰ Monday - Friday 9:00 am - 5:00 pm 📞 9897773620	Personal Banking (Checking & Savings Accounts) Auto Loans & Vehicle Financing Mortgage Loans & Refinancing Personal Loans & Debt Consolidation Credit Cards with Rewards Business Banking (Merchant Services & Business Loans) Online & Mobile Banking ATM & Cash Withdrawal Services Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions) Basic ATM Access (Withdrawals, Balance Checks)	ATM Drive-Thru P2P E-Statements E-Signature	Assets: $316,672,459 Deposits: $11,313,917 Net Worth: $34,338,598 Employees: 78 Members: 22,179
FRANKENMUTH CREDIT UNION	800 N EUCLID AVE BAY CITY MI 48706	⏰ M, T, W 9-5:30; Thursday 10-5:30; Friday 9-6; Saturday 9-1 Thursday 10 am - 5:30 pm Friday 8 am - 6 pm Saturday 9 am - 1 pm 📞 9894971600 📠 9894971661	Personal Banking (Checking & Savings Accounts) Auto Loans & Vehicle Financing Mortgage Loans & Refinancing Personal Loans & Debt Consolidation Credit Cards with Rewards Business Banking (Merchant Services & Business Loans) Online & Mobile Banking ATM & Cash Withdrawal Services Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions) Basic ATM Access (Withdrawals, Balance Checks)	ATM Drive-Thru P2P E-Statements E-Signature	Assets: $1,358,607,681 Deposits: $24,307,939 Net Worth: $132,590,780 Employees: 402 Members: 72,304
SUNRISE FAMILY CREDIT UNION	404 S EUCLID AVE BAY CITY MI 48706	⏰ mon-wed 9-5 thurs-fri 9-5:30 sat 9-1 📞 9896841730 📠 9896862552	Personal Banking (Checking & Savings Accounts) Auto Loans & Vehicle Financing Mortgage Loans & Refinancing Personal Loans & Debt Consolidation Credit Cards with Rewards Business Banking (Merchant Services & Business Loans) Online & Mobile Banking ATM & Cash Withdrawal Services	P2P E-Statements E-Signature	Assets: $133,677,520 Deposits: $12,078,954 Net Worth: $12,587,566 Employees: 40 Members: 11,433
TEAM ONE CREDIT UNION	401 E MIDLAND ST BAY CITY MI 48706	⏰ MONDAY-THURSDAY, 8:30 AM - 5 PM FRIDAY, 8:30 AM - 6 PM SATURDAY, 8:30 AM - 12:30 PM 📞 9896710077 📠 9897544249	Personal Banking (Checking & Savings Accounts) Auto Loans & Vehicle Financing Mortgage Loans & Refinancing Personal Loans & Debt Consolidation Credit Cards with Rewards Business Banking (Merchant Services & Business Loans) Online & Mobile Banking ATM & Cash Withdrawal Services Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions) Basic ATM Access (Withdrawals, Balance Checks)	ATM Drive-Thru P2P E-Statements E-Signature	Assets: $737,787,200 Deposits: $65,727,957 Net Worth: $66,825,661 Employees: 164 Members: 51,480
FINANCIAL PLUS CREDIT UNION	4129 N EUCLID AVE BAY CITY MI 48706	⏰ 9:00-5:00 Mon-Fri 9:00-1:00 Saturday pm 📞 9897999801 📠 8102442711	Personal Banking (Checking & Savings Accounts) Auto Loans & Vehicle Financing Mortgage Loans & Refinancing Personal Loans & Debt Consolidation Credit Cards with Rewards Business Banking (Merchant Services & Business Loans) Online & Mobile Banking ATM & Cash Withdrawal Services Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions) Basic ATM Access (Withdrawals, Balance Checks)	ATM Drive-Thru P2P E-Statements E-Signature	Assets: $1,386,818,404 Deposits: $90,289,728 Net Worth: $172,253,078 Employees: 277 Members: 81,195
JOLT CREDIT UNION	915 S EUCLID AVE BAY CITY MI 48706	⏰ Monday - Thursday 9:00 am - 5:00 pm Friday 9:00 am - 6:00 pm Saturday 9:00 am - 1:00 pm 📞 9897998744 📠 9897915117	Personal Banking (Checking & Savings Accounts) Auto Loans & Vehicle Financing Mortgage Loans & Refinancing Personal Loans & Debt Consolidation Credit Cards with Rewards Business Banking (Merchant Services & Business Loans) Online & Mobile Banking ATM & Cash Withdrawal Services Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions) Basic ATM Access (Withdrawals, Balance Checks)	ATM Drive-Thru P2P E-Statements E-Signature	Assets: $459,445,620 Deposits: $36,884,854 Net Worth: $44,144,649 Employees: 113 Members: 27,834

🏘️ All the Lenders Available in Bay County, MI

✅UNITED FINANCIAL CREDIT UNION

✅FRANKENMUTH CREDIT UNION

✅UNITED BAY COMMUNITY CREDIT UNION

✅GREAT LAKES 24874 CREDIT UNION

✅FINANCIALEDGE CREDIT UNION

✅SUNRISE FAMILY CREDIT UNION

✅JOLT CREDIT UNION

✅WILDFIRE CREDIT UNION

✅COPOCO COMMUNITY CREDIT UNION

✅LAKE HURON CREDIT UNION

✅TEAM ONE CREDIT UNION

✅FINANCIAL PLUS 68646 CREDIT UNION

Compare other loan types in Bay City, MI

Why compare Vehicle Loans in Bay City, MI on LendMesh

If you’re searching for the best car loan APR in Bay City, MI, keep exploring your options on LendMesh. Comparing multiple lenders helps you discover competitive rates and flexible terms that fit your budget. Taking the time to review offers ensures you find the most affordable loan tailored to your needs, so you can drive away with confidence and savings.

Consider subscribing to LendMesh for personalized rate alerts and expert insights. Simply set your target APR—whether 4% or 5%—and receive timely notifications when new deals fall below your goal. With weekly or monthly updates delivered straight to your inbox, you’ll stay informed on rate trends and hand-picked loan offers. Join many Bay City borrowers who trust LendMesh to spot the best car loan opportunities first.

Customers are also interested in:

Best Car Loan Apr