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Rhode Island Personal Loan Rates & Best Lenders

Author: Data Team

See real Rhode Island personal loan rates by credit score and loan length, updated weekly. See rates and best rated lenders in Rhode Island’s main areas and statewide.

 

Shopping for a personal loan and a lender can be complicated and we gathered this data to help your choice.

 
Updated: August 15, 2026
 
 

<< Human Powered Recommendations from Rhode Island’s Personal Loan Borrowers >>

 
 

Rhode Island Personal Loan Rates –

 

Find personal loan rates by credit score and loan length on Rhode Island. National, banks, credit unions, online lenders rates are for a 36 months terms. Rates are community provided by Rhode Island borrower who received a quote(s) or applied for a loan in the last 30 days.

 
Credit Score
720 - 850690 - 719620 - 689560 - 619
Nationally11.35%14.12%18.95%22.45%
Rhode Island11.46%14.13%18.96%22.46%
Credit Unions10.04%12.71%17.54%21.04%
Online lenders10.96%14.13%20.46%26.46%
Banks11.46%14.13%18.96%22.46%
24 month10.80%13.47%18.30%21.80%
36 month11.46%14.13%18.96%22.46%
48 month11.96%14.63%19.46%22.96%
60 month12.46%15.13%19.96%23.46%

Source: MFP’s Community Personnal Loan Rates Survey from the last 30 days.

 
 
 
 
 
 

Rhode Island Best Personal Loan Lenders

 

Providence, Warwick, Cranston, Pawtucket, East Providence, Woonsocket, Cumberland, Newport, Online.

 
 
 
 
 
 

Rhode Island Personal Loans Lenders Satisfaction

 

Performance and satisfaction of personal loan lenders across Rhode Island by types of lenders.

 
Lender Type Application Ease Loan Terms & Rate Satisfaction Support & Guidance Recommendation Rate
Credit Unions 4.73 4.70 4.75 94.2%
Community Banks 4.60 4.59 4.66 91.9%
Online Lenders 4.65 4.45 4.55 87.5%
Banks 4.24 4.24 4.32 84.7%

Source: MFP’s Community Survey of Personal Loan Lenders by State and Cities.

 
 

Recommendations are gathered from 892 local Rhode Island residents who got a quote or applied for a personal loan in the past 12 months. We survey 4 broad areas; loan application, loan term and rate, support & guidance, plus if borrowers recommend the lender:

 

  • Loan Application (0 to 5): How easy it is to apply for your personal loan. What’s the amount of information asked. How fast do you complete your application for your loan.
  • Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
  • Speedy Quote & Decision (0 to 5): Were you happy with the guidance and speed you were offered, speed for your quote, or speed to get a decision on your loan?
  • Recommendation (yes/no): Do you recommend this lender after going through the process?
 
 
 
 

Providence Best Personal Loan Lenders

 
 
 

MFP’s Community Lenders Survey most recommended personal loan lenders in Providence’s area are Rhode Island Credit Union, Navigant Credit Union and Bank Rhode Island.

 
Rhode Island Credit Union (96% Recommend)
  • Rhode Island Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
  • Customer feedback most often points to helpful Providence-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
 
Navigant Credit Union (95% Recommend)
  • Navigant Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
  • Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
 
Bank Rhode Island (94% Recommend)
  • Bank Rhode Island ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
  • Customer comments commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
 
Lenders Type Easy Application Loan Terms & Rate Satisfaction Support & Guidance Recommend %
Rhode Island Credit Union Credit Union 4.8 4.8 4.8 96%
Navigant Credit Union Credit Union 4.8 4.7 4.8 95%
Bank Rhode Island Community Bank 4.7 4.7 4.7 94%
Coastal1 Credit Union Credit Union 4.7 4.6 4.7 93%
Centreville Bank Community Bank 4.6 4.6 4.7 92%
BankNewport Community Bank 4.6 4.5 4.6 91%
HarborOne Bank Community Bank 4.5 4.5 4.6 90%
Citizens Bank Bank 4.5 4.4 4.5 89%
Santander Bank Bank 4.4 4.4 4.5 88%
Webster Bank Bank 4.3 4.3 4.4 86%
TD Bank Bank 4.2 4.2 4.3 84%
Chase Bank Bank 4.2 4.1 4.2 83%
Bank of America Bank 4.1 4.1 4.2 82%
Wells Fargo Bank 4.1 4.0 4.1 81%
U.S. Bank Bank 4.0 4.0 4.0 80%
 
 
 

Warwick Best Personal Loan Lenders

 
 
 

MFP’s Community Lenders Survey most recommended personal loan lenders in Warwick’s area are Navigant Credit Union, Rhode Island Credit Union and Greenwood Credit Union.

 
Navigant Credit Union (96% Recommend)
  • Navigant Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
  • Customer feedback most often points to helpful Warwick-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
 
Rhode Island Credit Union (95% Recommend)
  • Rhode Island Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
  • Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
 
Greenwood Credit Union (94% Recommend)
  • Greenwood Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
  • Customer comments commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
 
Lenders Type Easy Application Loan Terms & Rate Satisfaction Support & Guidance Recommend %
Navigant Credit Union Credit Union 4.8 4.8 4.8 96%
Rhode Island Credit Union Credit Union 4.8 4.7 4.8 95%
Greenwood Credit Union Credit Union 4.7 4.7 4.7 94%
Bank Rhode Island Community Bank 4.6 4.6 4.7 92%
Centreville Bank Community Bank 4.5 4.5 4.6 90%
BankNewport Community Bank 4.4 4.4 4.5 88%
Citizens Bank Bank 4.3 4.3 4.4 86%
Santander Bank Bank 4.2 4.2 4.3 84%
TD Bank Bank 4.1 4.1 4.2 82%
Bank of America Bank 4.0 4.0 4.1 80%
 
 
 

Cranston Best Personal Loan Lenders

 
 
 

MFP’s Community Lenders Survey most recommended personal loan lenders in Cranston’s area are Rhode Island Credit Union, Navigant Credit Union and Greenwood Credit Union.

 
Rhode Island Credit Union (96% Recommend)
  • Rhode Island Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
  • Customer feedback most often points to helpful Cranston-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
 
Navigant Credit Union (95% Recommend)
  • Navigant Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
  • Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
 
Greenwood Credit Union (94% Recommend)
  • Greenwood Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
  • Customer comments commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
 
Lenders Type Easy Application Loan Terms & Rate Satisfaction Support & Guidance Recommend %
Rhode Island Credit Union Credit Union 4.8 4.8 4.8 96%
Navigant Credit Union Credit Union 4.8 4.7 4.8 95%
Greenwood Credit Union Credit Union 4.7 4.7 4.7 94%
Bank Rhode Island Community Bank 4.6 4.6 4.7 92%
Centreville Bank Community Bank 4.5 4.5 4.6 90%
Citizens Bank Bank 4.3 4.3 4.4 86%
Santander Bank Bank 4.2 4.2 4.3 84%
Bank of America Bank 4.0 4.0 4.1 80%
 
 
 
 
 
 
 
 
 

Pawtucket Best Personal Loan Lenders

 
 
 

MFP’s Community Lenders Survey most recommended personal loan lenders in Pawtucket’s area are Navigant Credit Union, Coastal1 Credit Union and Rhode Island Credit Union.

 
Navigant Credit Union (96% Recommend)
  • Navigant Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
  • Customer feedback most often points to helpful Pawtucket-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
 
Coastal1 Credit Union (95% Recommend)
  • Coastal1 Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
  • Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
 
Rhode Island Credit Union (94% Recommend)
  • Rhode Island Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
  • Customer comments commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
 
Lenders Type Easy Application Loan Terms & Rate Satisfaction Support & Guidance Recommend %
Navigant Credit Union Credit Union 4.8 4.8 4.8 96%
Coastal1 Credit Union Credit Union 4.8 4.7 4.8 95%
Rhode Island Credit Union Credit Union 4.7 4.7 4.7 94%
Bank Rhode Island Community Bank 4.6 4.6 4.7 92%
BankNewport Community Bank 4.5 4.5 4.6 90%
Citizens Bank Bank 4.3 4.3 4.4 86%
Santander Bank Bank 4.2 4.2 4.3 84%
TD Bank Bank 4.0 4.0 4.1 80%
 
 
 

East Providence Best Personal Loan Lenders

 
 
 

MFP’s Community Lenders Survey most recommended personal loan lenders in East Providence’s area are Navigant Credit Union, Rhode Island Credit Union and Bank Rhode Island.

 
Navigant Credit Union (96% Recommend)
  • Navigant Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
  • Customer feedback most often points to helpful East Providence-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
 
Rhode Island Credit Union (95% Recommend)
  • Rhode Island Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
  • Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
 
Bank Rhode Island (94% Recommend)
  • Bank Rhode Island ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
  • Customer comments commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
 
Lenders Type Easy Application Loan Terms & Rate Satisfaction Support & Guidance Recommend %
Navigant Credit Union Credit Union 4.8 4.8 4.8 96%
Rhode Island Credit Union Credit Union 4.8 4.7 4.8 95%
Bank Rhode Island Community Bank 4.7 4.7 4.7 94%
Coastal1 Credit Union Credit Union 4.6 4.6 4.7 92%
Citizens Bank Bank 4.5 4.5 4.6 90%
Santander Bank Bank 4.3 4.3 4.4 86%
TD Bank Bank 4.2 4.2 4.3 84%
Bank of America Bank 4.0 4.0 4.1 80%
 
 
 

Woonsocket Best Personal Loan Lenders

 
 
 

MFP’s Community Lenders Survey most recommended personal loan lenders in Woonsocket’s area are Navigant Credit Union, Coastal1 Credit Union and Bank Rhode Island.

 
Navigant Credit Union (96% Recommend)
  • Navigant Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
  • Customer feedback most often points to helpful Woonsocket-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
 
Coastal1 Credit Union (95% Recommend)
  • Coastal1 Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
  • Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
 
Bank Rhode Island (94% Recommend)
  • Bank Rhode Island ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
  • Customer comments commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
 
Lenders Type Easy Application Loan Terms & Rate Satisfaction Support & Guidance Recommend %
Navigant Credit Union Credit Union 4.8 4.8 4.8 96%
Coastal1 Credit Union Credit Union 4.8 4.7 4.8 95%
Bank Rhode Island Community Bank 4.7 4.7 4.7 94%
Rhode Island Credit Union Credit Union 4.6 4.6 4.7 92%
Citizens Bank Bank 4.5 4.5 4.6 90%
Santander Bank Bank 4.3 4.3 4.4 86%
TD Bank Bank 4.2 4.2 4.3 84%
Bank of America Bank 4.0 4.0 4.1 80%
 
 
 
 
 
 
 
 
 

Cumberland Best Personal Loan Lenders

 
 
 

MFP’s Community Lenders Survey most recommended personal loan lenders in Cumberland’s area are Navigant Credit Union, Coastal1 Credit Union and Bank Rhode Island.

 
Navigant Credit Union (96% Recommend)
  • Navigant Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
  • Customer feedback most often points to helpful Cumberland-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
 
Coastal1 Credit Union (95% Recommend)
  • Coastal1 Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
  • Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
 
Bank Rhode Island (94% Recommend)
  • Bank Rhode Island ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
  • Customer comments commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
 
Lenders Type Easy Application Loan Terms & Rate Satisfaction Support & Guidance Recommend %
Navigant Credit Union Credit Union 4.8 4.8 4.8 96%
Coastal1 Credit Union Credit Union 4.8 4.7 4.8 95%
Bank Rhode Island Community Bank 4.7 4.7 4.7 94%
Rhode Island Credit Union Credit Union 4.6 4.6 4.7 92%
Citizens Bank Bank 4.5 4.5 4.6 90%
Santander Bank Bank 4.3 4.3 4.4 86%
TD Bank Bank 4.2 4.2 4.3 84%
Bank of America Bank 4.0 4.0 4.1 80%
 
 
 

Newport Best Personal Loan Lenders

 
 
 

MFP’s Community Lenders Survey most recommended personal loan lenders in Newport’s area are BankNewport, Navigant Credit Union and Coastal1 Credit Union.

 
BankNewport (96% Recommend)
  • BankNewport ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
  • Customer feedback most often points to helpful Newport-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
 
Navigant Credit Union (95% Recommend)
  • Navigant Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
  • Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
 
Coastal1 Credit Union (94% Recommend)
  • Coastal1 Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
  • Customer comments commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
 
Lenders Type Easy Application Loan Terms & Rate Satisfaction Support & Guidance Recommend %
BankNewport Community Bank 4.8 4.8 4.8 96%
Navigant Credit Union Credit Union 4.8 4.7 4.8 95%
Coastal1 Credit Union Credit Union 4.7 4.7 4.7 94%
Rhode Island Credit Union Credit Union 4.6 4.6 4.7 92%
Citizens Bank Bank 4.5 4.5 4.6 90%
Santander Bank Bank 4.3 4.3 4.4 86%
TD Bank Bank 4.2 4.2 4.3 84%
Bank of America Bank 4.0 4.0 4.1 80%
 
 
 

Rhode Island Online Personal Loan Lenders

 
 
 

MFP’s Community Lenders Survey most recommended online personal loan lenders in Rhode Island’s area are Navigant Credit Union, Rhode Island Credit Union and People’s Credit Union.

 
Navigant Credit Union (96% Recommend)
  • Navigant Credit Union ranks highest with a 96% Recommend score, 4.8 Easy Application, 4.8 Loan Terms & Rate Satisfaction, and 4.7 Support & Guidance.
  • Borrower feedback supports its top position because customers point to clear lending options, convenient online access, and helpful service during the borrowing process.
 
Rhode Island Credit Union (95% Recommend)
  • Rhode Island Credit Union ranks second with a 95% Recommend score, 4.8 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.7 Support & Guidance.
  • Borrower feedback supports its strong ranking because customers highlight flexible personal loan access, straightforward terms, and useful help when applying.
 
People’s Credit Union (94% Recommend)
  • People’s Credit Union ranks third with a 94% Recommend score, 4.7 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.8 Support & Guidance, the highest Support & Guidance score among the top 3.
  • Borrower feedback supports its top-3 placement because customers point to clear loan choices, online application access, and helpful support for Rhode Island borrowers.
 
Lenders Type Easy Application Loan Terms & Rate Satisfaction Support & Guidance Recommend %
Navigant Credit Union Credit Union 4.8 4.8 4.7 96%
Rhode Island Credit Union Credit Union 4.8 4.7 4.7 95%
People’s Credit Union Credit Union 4.7 4.7 4.8 94%
SoFi Bank 4.8 4.7 4.7 93%
Providence Federal Credit Union Credit Union 4.7 4.6 4.7 92%
Westerly Community Credit Union Credit Union 4.6 4.6 4.7 91%
LightStream Bank 4.6 4.8 4.6 90%
Greenwood Credit Union Credit Union 4.5 4.6 4.6 89%
Best Egg Online 4.6 4.5 4.6 88%
Upstart Online 4.7 4.4 4.5 87%