Auto Loan Rates in Johnston, Rhode Island (RI) for May 2026
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Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Johnston, Rhode Island. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Johnston, Rhode Island include Westerly Community Credit UnionWesterly Community Credit UnionA+5.0 ★Texas Ratio: 1.26% offering Used Auto Loans 2021 - 2025 at 3.99%, Blackstone River Federal Credit UnionBlackstone River Federal Credit UnionA+5.0 ★Texas Ratio: 4.52% offering New Auto at 4.25%, Rhode Island Credit UnionRhode Island Credit UnionA+5.0 ★Texas Ratio: 2.38% offering New Auto 2025-2026 at 4.99%, Cumberland Municipal Employees Federal Credit UnionCumberland Municipal Employees Federal Credit UnionA+5.0 ★Texas Ratio: 0.27% offering New Auto at 5.75%. Auto loan rates as of April 27, 2026 according to verified data from MonitorBankRates.
Johnston borrowers have access to 4 lenders serving the Rhode Island area, with auto loan rates as low as 3.99% APR from Westerly Community Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Johnston, Rhode Island. Auto Loan Rates Last Updated and Verified: April 27, 2026
Compare Auto Loan Rates Today in Johnston, Rhode Island & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Westerly Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
Used Auto Loans 2021 - 2025
3.99%
3 years
▼
APR3.99%
Term3 years
Last UpdatedApr 19, 2026
Details
Blackstone River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
New Auto
4.25%
Maximum Term 7 years
▼
APR4.25%
TermMaximum Term 7 years
Last UpdatedApr 27, 2026
Details
Rates as low as 4.25%*
Blackstone River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
Used Auto
4.25%
Maximum Term 6 years on 1 to 5 Yr Old Auto; Maximum Term 5 years on 6 and 7 Yr O
▼
APR4.25%
TermMaximum Term 6 years on 1 to 5 Yr Old Auto; Maximum Term 5 years on 6 and 7 Yr O
Last UpdatedApr 27, 2026
Details
Rates as low as 4.25%*
Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
New Auto 2025-2026
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedApr 19, 2026
Details
Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Used Auto 2025-2026
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedApr 19, 2026
Details
Westerly Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
Used Auto Loans 2023 and Newer
4.99%
6 years
▼
APR4.99%
Term6 years
Last UpdatedApr 19, 2026
Details
Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Used Auto 2021-2024
5.19%
66 Months
▼
APR5.19%
Term66 Months
Last UpdatedApr 19, 2026
Details
Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Used Auto 2020
5.39%
66 Months
▼
APR5.39%
Term66 Months
Last UpdatedApr 19, 2026
Details
Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Used Auto 2021-2024
5.49%
78 Months
▼
APR5.49%
Term78 Months
Last UpdatedApr 19, 2026
Details
Cumberland Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
New Auto
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedApr 27, 2026
Details
100% financing
Cumberland Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Used Auto
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedApr 27, 2026
Details
100% Financing
Cumberland Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Used Auto
6.25%
60 Months
▼
APR6.25%
Term60 Months
Last UpdatedApr 27, 2026
Details
100% Financing
Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Used Auto 2019
6.39%
66 Months
▼
APR6.39%
Term66 Months
Last UpdatedApr 19, 2026
Details
Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Used Auto 2018
6.89%
66 Months
▼
APR6.89%
Term66 Months
Last UpdatedApr 19, 2026
Details
Cumberland Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Used Auto
6.95%
48 Months
▼
APR6.95%
Term48 Months
Last UpdatedApr 27, 2026
Details
100% Financing
Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Used Auto 2017
7.39%
66 Months
▼
APR7.39%
Term66 Months
Last UpdatedApr 19, 2026
Details
Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Used Auto 2016
7.89%
54 Months
▼
APR7.89%
Term54 Months
Last UpdatedApr 19, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Blackstone River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
New Auto
4.25%
Maximum Term 7 years
▼
APR4.25%
TermMaximum Term 7 years
Last UpdatedApr 27, 2026
Details
Rates as low as 4.25%*
Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
New Auto 2025-2026
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedApr 19, 2026
Details
Westerly Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
Used Auto Loans 2023 and Newer
4.99%
6 years
▼
APR4.99%
Term6 years
Last UpdatedApr 19, 2026
Details
Cumberland Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
New Auto
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedApr 27, 2026
Details
100% financing
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Westerly Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
Used Auto Loans 2021 - 2025
3.99%
3 years
▼
APR3.99%
Term3 years
Last UpdatedApr 19, 2026
Details
Blackstone River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
Used Auto
4.25%
Maximum Term 6 years on 1 to 5 Yr Old Auto; Maximum Term 5 years on 6 and 7 Yr O
▼
APR4.25%
TermMaximum Term 6 years on 1 to 5 Yr Old Auto; Maximum Term 5 years on 6 and 7 Yr O
Last UpdatedApr 27, 2026
Details
Rates as low as 4.25%*
Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Used Auto 2025-2026
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedApr 19, 2026
Details
Westerly Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
Used Auto Loans 2023 and Newer
4.99%
6 years
▼
APR4.99%
Term6 years
Last UpdatedApr 19, 2026
Details
Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Used Auto 2021-2024
5.19%
66 Months
▼
APR5.19%
Term66 Months
Last UpdatedApr 19, 2026
Details
Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Used Auto 2020
5.39%
66 Months
▼
APR5.39%
Term66 Months
Last UpdatedApr 19, 2026
Details
Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Used Auto 2021-2024
5.49%
78 Months
▼
APR5.49%
Term78 Months
Last UpdatedApr 19, 2026
Details
Cumberland Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Used Auto
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedApr 27, 2026
Details
100% Financing
Cumberland Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Used Auto
6.25%
60 Months
▼
APR6.25%
Term60 Months
Last UpdatedApr 27, 2026
Details
100% Financing
Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Used Auto 2019
6.39%
66 Months
▼
APR6.39%
Term66 Months
Last UpdatedApr 19, 2026
Details
Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Used Auto 2018
6.89%
66 Months
▼
APR6.89%
Term66 Months
Last UpdatedApr 19, 2026
Details
Cumberland Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Used Auto
6.95%
48 Months
▼
APR6.95%
Term48 Months
Last UpdatedApr 27, 2026
Details
100% Financing
Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Used Auto 2017
7.39%
66 Months
▼
APR7.39%
Term66 Months
Last UpdatedApr 19, 2026
Details
Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Used Auto 2016
7.89%
54 Months
▼
APR7.89%
Term54 Months
Last UpdatedApr 19, 2026
Details
Powered by
MonitorBankRates
Johnston, RI Auto Loan Rate Trends
Compare local Johnston, RI auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Auto Loan — RI Avg
4.925%
Unchanged vs 7 days ago
Rhode Island new auto loan rates currently average 4.925% APR.
Used Auto Loan — RI Avg
5.941%
Unchanged vs 7 days ago
Rhode Island used auto loan rates currently average 5.941% APR.
As of May 5, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Johnston, Rhode Island
How does my credit score affect my car loan rate in Rhode Island?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Johnston, Rhode Island with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in Rhode Island *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in Johnston, Rhode Island typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in Johnston, Rhode Island?
Based on our current data, some of the lowest auto loan rates available in Johnston, Rhode Island include:
- Westerly Community Credit Union: 3.99% (Used Auto Loans 2021 - 2025)
- Blackstone River Federal Credit Union: 4.25% (New Auto)
- Rhode Island Credit Union: 4.99% (New Auto 2025-2026)
- Cumberland Municipal Employees Federal Credit Union: 5.75% (New Auto)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Johnston, Rhode Island. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 27, 2026
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