The MFP’s Community Personal Loan Lender Survey gathers Rhode Island borrowers feedback and recommendations for direct lenders like banks, credit unions and online lenders. Shopping for a personal loan and a lender can be complicated and we gathered this data to help your choice.
Updated: June 2, 2026
<< Human Powered Recommendations from Rhode Island’s Personal Loan Borrowers >>
Rhode Island Best Personal Loan Lenders
Providence, Warwick, Cranston, Pawtucket, East Providence, Woonsocket, Cumberland, Newport, Online.
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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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% |