Consumer Loan Rates

Let our knowledgeable lenders design a loan to fit your individual needs and budget.


Chemical Bank is a trusted partner when it comes to getting you the right loan at a great rate. Our Consumer Lenders are excited to help you fund your ideas, dreams and adventures!

Chemline

Loan to Value APR
0-80% 5.00%
81-90% 6.25%

A $75.00 annual fee is applied to all Chemlines, with the first year waived. A $250.00 termination fee may be assessed if your account is terminated within three years. Fees to open this account may range from $175.00 to $750.00 and are paid outside of closing. Property securing this loan must be properly insured. Chemlines have a variable-rate feature, and the annual percentage rate can change as a result, however the annual percentage rate will never exceed 18.00%. A Chemical Bank deposit account is required.

APR = Annual Percentage Rate. Subject to credit approval. Rate(s) are effective as of September 26, 2018. Additional restrictions may apply. Contact your local Chemical Bank for more details.

Automobile

Model Year Term Months Interest Rate APR Monthly Payment
2013 thru New 60 4.24% 4.598%* $370.48

For automobiles 2012 and older, please consult a consumer lender. This offer does not apply to the refinancing of existing Chemical Bank Loans. All other loan terms and requirements apply. Maximum Loan amount $200,000.

* APR based on a $20,000.00 loan with 60 monthly payments of $370.48.

APR = Annual Percentage Rate. Subject to credit approval. APR is based on credit score and may be less favorable based on individual credit history. Rate(s) are effective as of October 1, 2018. Additional restrictions may apply. Contact your local Chemical Bank for more details.

Home Equity Loans

Loan to Value Term Months Interest Rate APR Monthly Payment
0-80% 72 3.84% 4.153%* $311.47
81-90% 72 3.94% 4.253%* $312.38

This offer does not apply to the refinancing of existing Chemical Bank Loans. All other loan terms and requirements apply. Maximum Loan amount $200,000.

* APR based on a $20,000.00 loan with 72 monthly payments of $311.47.

** APR based on a $20,000.00 loan with 72 monthly payments of $312.38.

APR = Annual Percentage Rate. Subject to credit approval. Payments do not include amounts for taxes and insurance premiums. APR is based on credit score and may be less favorable based on individual credit history. Advertised rates available on 72 month home equity loans. Balloon loans may be available for longer terms. Rate(s) are effective as of February 1, 2018. Additional restrictions may apply. Contact your local Chemical Bank for more details.