Auto Loan Rates in Lincoln, Rhode Island (RI) for March 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
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 Lincoln, Rhode Island. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Lincoln, Rhode Island include Blackstone River Federal Credit UnionBlackstone River Federal Credit Union100 Old River Rd, Lincoln, RI, 02865A+5.0 ★Texas Ratio: 4.52% offering New Auto at 4.25%, Navigant Credit UnionNavigant Credit Union185 Front St, Lincoln, RI, 02865A+5.0 ★Texas Ratio: 4.27% offering NEW 2025-2026 Auto Loan at 4.74%, Westerly Community Credit UnionWesterly Community Credit Union122 Granite St, Westerly, RI, 02891A+5.0 ★Texas Ratio: 1.26% offering New Auto Loans 2025 and Newer at 3.99%, Rhode Island Credit UnionRhode Island Credit Union160 Francis St, Providence, RI, 02903 1118A+5.0 ★Texas Ratio: 2.38% offering New Auto 2025-2026 at 4.99%, Greenwood Credit UnionGreenwood Credit Union2669 Post Rd, Warwick, RI, 02886 3039A+5.0 ★Texas Ratio: 3.56% offering 2024 - NEW Auto Loan at 5.24%.
Auto loan rates in Lincoln, Rhode Island are continually updated to reflect market conditions. We recommend comparing rates from multiple lenders before visiting the dealership.
We empower borrowers with transparent financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently choose a stable, highly-rated institution.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Lincoln, Rhode Island. Auto Loan Rates Last Updated and Verified: March 23, 2026
Compare Auto Loan Rates Today in Lincoln, Rhode Island & Surrounding Area
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%
100 Old River Rd, Lincoln, RI, 02865
New Auto
4.25%
7 years
▼
APR4.25%
Term7 years
Last UpdatedMar 18, 2026
Details
As Low As
Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
NEW 2025-2026 Auto Loan
4.74%
Up to 66 Months
▼
APR4.74%
TermUp to 66 Months
Last UpdatedMar 17, 2026
Details
Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
2024-2025 Auto Loan
4.99%
Up to 66 Months
▼
APR4.99%
TermUp to 66 Months
Last UpdatedMar 17, 2026
Details
Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
NEW 2025-2026 Auto Loan
5.09%
Up to 75 Months
▼
APR5.09%
TermUp to 75 Months
Last UpdatedMar 17, 2026
Details
Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
2022-2023 Auto Loan
5.24%
Up to 66 Months
▼
APR5.24%
TermUp to 66 Months
Last UpdatedMar 17, 2026
Details
Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
2024-2025 Auto Loan
5.34%
Up to 75 Months
▼
APR5.34%
TermUp to 75 Months
Last UpdatedMar 17, 2026
Details
Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
2022-2023 Auto Loan
5.59%
Up to 75 Months
▼
APR5.59%
TermUp to 75 Months
Last UpdatedMar 17, 2026
Details
Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
2019-2021 Auto Loan
5.74%
Up to 66 Months
▼
APR5.74%
TermUp to 66 Months
Last UpdatedMar 17, 2026
Details
Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
2019-2021 Auto Loan
6.09%
Up to 75 Months
▼
APR6.09%
TermUp to 75 Months
Last UpdatedMar 17, 2026
Details
Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
NEW 2025-2026 Auto Loan
6.09%
Up to 84 Months
▼
APR6.09%
TermUp to 84 Months
Last UpdatedMar 17, 2026
Details
Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
2024-2025 Auto Loan
6.34%
Up to 84 Months
▼
APR6.34%
TermUp to 84 Months
Last UpdatedMar 17, 2026
Details
Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
2022-2023 Auto Loan
6.59%
Up to 84 Months
▼
APR6.59%
TermUp to 84 Months
Last UpdatedMar 17, 2026
Details
Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
2016-2018 Auto Loan
6.74%
Up to 66 Months
▼
APR6.74%
TermUp to 66 Months
Last UpdatedMar 17, 2026
Details
Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
2015 and Older Auto Loan
7.74%
Up to 66 Months
▼
APR7.74%
TermUp to 66 Months
Last UpdatedMar 17, 2026
Details
Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
2016-2018 Auto Loan
7.74%
Up to 75 Months
▼
APR7.74%
TermUp to 75 Months
Last UpdatedMar 17, 2026
Details
Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
2015 and Older Auto Loan
8.99%
Up to 75 Months
▼
APR8.99%
TermUp to 75 Months
Last UpdatedMar 17, 2026
Details
Westerly Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
122 Granite St, Westerly, RI, 02891
New Auto Loans 2025 and Newer
3.99%
3 years
▼
APR3.99%
Term3 years
Last UpdatedMar 22, 2026
Details
Westerly Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
122 Granite St, Westerly, RI, 02891
Used Auto Loans 2021 - 2025
3.99%
3 years
▼
APR3.99%
Term3 years
Last UpdatedMar 22, 2026
Details
Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
160 Francis St, Providence, RI, 02903 1118
New Auto 2025-2026
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMar 21, 2026
Details
Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
160 Francis St, Providence, RI, 02903 1118
Used Auto 2025-2026
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMar 21, 2026
Details
Westerly Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
122 Granite St, Westerly, RI, 02891
New Auto Loans 2025 and Newer
4.99%
6 years
▼
APR4.99%
Term6 years
Last UpdatedMar 22, 2026
Details
Westerly Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
122 Granite St, Westerly, RI, 02891
Used Auto Loans 2023 and Newer
4.99%
6 years
▼
APR4.99%
Term6 years
Last UpdatedMar 22, 2026
Details
Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
160 Francis St, Providence, RI, 02903 1118
Used Auto 2021-2024
5.19%
66 Months
▼
APR5.19%
Term66 Months
Last UpdatedMar 21, 2026
Details
Greenwood Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
2669 Post Rd, Warwick, RI, 02886 3039
2024 - NEW Auto Loan
5.24%
63 Months
▼
APR5.24%
Term63 Months
Last UpdatedMar 23, 2026
Details
Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
160 Francis St, Providence, RI, 02903 1118
Used Auto 2020
5.39%
66 Months
▼
APR5.39%
Term66 Months
Last UpdatedMar 21, 2026
Details
Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
160 Francis St, Providence, RI, 02903 1118
Used Auto 2021-2024
5.49%
78 Months
▼
APR5.49%
Term78 Months
Last UpdatedMar 21, 2026
Details
Greenwood Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
2669 Post Rd, Warwick, RI, 02886 3039
2020 - 2023 Auto Loan
5.49%
63 Months
▼
APR5.49%
Term63 Months
Last UpdatedMar 23, 2026
Details
Greenwood Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
2669 Post Rd, Warwick, RI, 02886 3039
2024 - NEW Auto Loan
5.74%
75 Months
▼
APR5.74%
Term75 Months
Last UpdatedMar 23, 2026
Details
Cumberland Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
2145 Diamond Hill Rd, Cumberland, RI, 02864 5135
New Auto: 2025 & 2026
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMar 18, 2026
Details
100% financing
Cumberland Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
2145 Diamond Hill Rd, Cumberland, RI, 02864 5135
Used Auto: 2021-2024
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedMar 18, 2026
Details
100% Financing
Greenwood Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
2669 Post Rd, Warwick, RI, 02886 3039
2020 - 2023 Auto Loan
5.99%
75 Months
▼
APR5.99%
Term75 Months
Last UpdatedMar 23, 2026
Details
Ocean State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
2006 Nooseneck Hill Rd, Coventry, RI, 02816
Auto Loan
6.00%
60 Months
▼
APR6.00%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; 10% Down Payment or GAP Coverage
Cumberland Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
2145 Diamond Hill Rd, Cumberland, RI, 02864 5135
Used Auto: 2019 & 2020
6.25%
60 Months
▼
APR6.25%
Term60 Months
Last UpdatedMar 18, 2026
Details
100% Financing
Ocean State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
2006 Nooseneck Hill Rd, Coventry, RI, 02816
Auto Loan
6.25%
36 Months
▼
APR6.25%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; 10% Down Payment or GAP Coverage
Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
160 Francis St, Providence, RI, 02903 1118
Used Auto 2019
6.39%
66 Months
▼
APR6.39%
Term66 Months
Last UpdatedMar 21, 2026
Details
Westerly Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
122 Granite St, Westerly, RI, 02891
New Auto Loans 2025 and Newer
6.49%
7 years
▼
APR6.49%
Term7 years
Last UpdatedMar 22, 2026
Details
Westerly Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
122 Granite St, Westerly, RI, 02891
Used Auto Loans 2018 - 2020
6.49%
5 years
▼
APR6.49%
Term5 years
Last UpdatedMar 22, 2026
Details
Greenwood Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
2669 Post Rd, Warwick, RI, 02886 3039
2016 - 2019 Auto Loan
6.49%
60 Months
▼
APR6.49%
Term60 Months
Last UpdatedMar 23, 2026
Details
Ocean State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
2006 Nooseneck Hill Rd, Coventry, RI, 02816
New Auto Loan
6.50%
36 Months
▼
APR6.50%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; 15% Down Payment or GAP Coverage
Ocean State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
2006 Nooseneck Hill Rd, Coventry, RI, 02816
New Vehicle
6.50%
36 months
▼
APR6.50%
Term36 months
Last UpdatedMar 20, 2026
Details
As Low As; 15% Down Payment or GAP Coverage
Ocean State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
2006 Nooseneck Hill Rd, Coventry, RI, 02816
Auto Loan
6.75%
60 Months
▼
APR6.75%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; 10% Down Payment or GAP Coverage
Ocean State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
2006 Nooseneck Hill Rd, Coventry, RI, 02816
New Auto Loan
6.75%
60 Months
▼
APR6.75%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; 15% Down Payment or GAP Coverage
Ocean State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
2006 Nooseneck Hill Rd, Coventry, RI, 02816
New Vehicle
6.75%
60 months
▼
APR6.75%
Term60 months
Last UpdatedMar 20, 2026
Details
As Low As; 15% Down Payment or GAP Coverage
Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
160 Francis St, Providence, RI, 02903 1118
Used Auto 2018
6.89%
66 Months
▼
APR6.89%
Term66 Months
Last UpdatedMar 21, 2026
Details
Cumberland Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
2145 Diamond Hill Rd, Cumberland, RI, 02864 5135
Used Auto: 2018 & Older
6.95%
48 Months
▼
APR6.95%
Term48 Months
Last UpdatedMar 18, 2026
Details
100% Financing
Westerly Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
122 Granite St, Westerly, RI, 02891
New Auto Loans 2025 and Newer
6.99%
8 years
▼
APR6.99%
Term8 years
Last UpdatedMar 22, 2026
Details
Ocean State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
2006 Nooseneck Hill Rd, Coventry, RI, 02816
Auto Loan
7.25%
72 Months
▼
APR7.25%
Term72 Months
Last UpdatedMar 20, 2026
Details
15% Down Payment or GAP Coverage
Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
160 Francis St, Providence, RI, 02903 1118
Used Auto 2017
7.39%
66 Months
▼
APR7.39%
Term66 Months
Last UpdatedMar 21, 2026
Details
Ocean State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
2006 Nooseneck Hill Rd, Coventry, RI, 02816
Used Auto Loan
7.50%
36 Months
▼
APR7.50%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; 15% Down Payment or GAP Coverage
Ocean State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
2006 Nooseneck Hill Rd, Coventry, RI, 02816
Used Vehicle
7.50%
36 months
▼
APR7.50%
Term36 months
Last UpdatedMar 20, 2026
Details
As Low As; 15% Down Payment or GAP Coverage
BayCoast Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
1 Crandall Rd, Tiverton, RI, 02878
New Only Auto Loans
7.75%
36 months
▼
APR7.75%
Term36 months
Last UpdatedMar 18, 2026
Details
Ocean State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
2006 Nooseneck Hill Rd, Coventry, RI, 02816
Auto Loan
7.75%
84 Months
▼
APR7.75%
Term84 Months
Last UpdatedMar 20, 2026
Details
15% Down Payment or GAP Coverage
Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
160 Francis St, Providence, RI, 02903 1118
Used Auto 2016
7.89%
54 Months
▼
APR7.89%
Term54 Months
Last UpdatedMar 21, 2026
Details
Westerly Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
122 Granite St, Westerly, RI, 02891
Used Auto Loans 2011 - 2017
7.99%
4 years
▼
APR7.99%
Term4 years
Last UpdatedMar 22, 2026
Details
BayCoast Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
1 Crandall Rd, Tiverton, RI, 02878
New Only Auto Loans
8.00%
48 months
▼
APR8.00%
Term48 months
Last UpdatedMar 18, 2026
Details
BayCoast Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
1 Crandall Rd, Tiverton, RI, 02878
Used Only Auto Loans
8.00%
36 months
▼
APR8.00%
Term36 months
Last UpdatedMar 18, 2026
Details
BayCoast Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
1 Crandall Rd, Tiverton, RI, 02878
New Only Auto Loans
8.25%
60 months
▼
APR8.25%
Term60 months
Last UpdatedMar 18, 2026
Details
BayCoast Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
1 Crandall Rd, Tiverton, RI, 02878
Used Only Auto Loans
8.25%
48 months
▼
APR8.25%
Term48 months
Last UpdatedMar 18, 2026
Details
BayCoast Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
1 Crandall Rd, Tiverton, RI, 02878
New Only Auto Loans
8.50%
72 months
▼
APR8.50%
Term72 months
Last UpdatedMar 18, 2026
Details
BayCoast Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
1 Crandall Rd, Tiverton, RI, 02878
Used Only Auto Loans
8.50%
60 months
▼
APR8.50%
Term60 months
Last UpdatedMar 18, 2026
Details
Ocean State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
2006 Nooseneck Hill Rd, Coventry, RI, 02816
Older Vehicles
10.00%
24 months
▼
APR10.00%
Term24 months
Last UpdatedMar 20, 2026
Details
As Low As; 15% Down Payment or GAP Coverage
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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%
100 Old River Rd, Lincoln, RI, 02865
New Auto
4.25%
7 years
▼
APR4.25%
Term7 years
Last UpdatedMar 18, 2026
Details
As Low As
Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
NEW 2025-2026 Auto Loan
4.74%
Up to 66 Months
▼
APR4.74%
TermUp to 66 Months
Last UpdatedMar 17, 2026
Details
Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
NEW 2025-2026 Auto Loan
5.09%
Up to 75 Months
▼
APR5.09%
TermUp to 75 Months
Last UpdatedMar 17, 2026
Details
Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
NEW 2025-2026 Auto Loan
6.09%
Up to 84 Months
▼
APR6.09%
TermUp to 84 Months
Last UpdatedMar 17, 2026
Details
Westerly Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
122 Granite St, Westerly, RI, 02891
New Auto Loans 2025 and Newer
3.99%
3 years
▼
APR3.99%
Term3 years
Last UpdatedMar 22, 2026
Details
Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
160 Francis St, Providence, RI, 02903 1118
New Auto 2025-2026
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMar 21, 2026
Details
Westerly Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
122 Granite St, Westerly, RI, 02891
New Auto Loans 2025 and Newer
4.99%
6 years
▼
APR4.99%
Term6 years
Last UpdatedMar 22, 2026
Details
Westerly Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
122 Granite St, Westerly, RI, 02891
Used Auto Loans 2023 and Newer
4.99%
6 years
▼
APR4.99%
Term6 years
Last UpdatedMar 22, 2026
Details
Greenwood Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
2669 Post Rd, Warwick, RI, 02886 3039
2024 - NEW Auto Loan
5.24%
63 Months
▼
APR5.24%
Term63 Months
Last UpdatedMar 23, 2026
Details
Greenwood Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
2669 Post Rd, Warwick, RI, 02886 3039
2024 - NEW Auto Loan
5.74%
75 Months
▼
APR5.74%
Term75 Months
Last UpdatedMar 23, 2026
Details
Cumberland Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
2145 Diamond Hill Rd, Cumberland, RI, 02864 5135
New Auto: 2025 & 2026
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMar 18, 2026
Details
100% financing
Westerly Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
122 Granite St, Westerly, RI, 02891
New Auto Loans 2025 and Newer
6.49%
7 years
▼
APR6.49%
Term7 years
Last UpdatedMar 22, 2026
Details
Ocean State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
2006 Nooseneck Hill Rd, Coventry, RI, 02816
New Auto Loan
6.50%
36 Months
▼
APR6.50%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; 15% Down Payment or GAP Coverage
Ocean State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
2006 Nooseneck Hill Rd, Coventry, RI, 02816
New Vehicle
6.50%
36 months
▼
APR6.50%
Term36 months
Last UpdatedMar 20, 2026
Details
As Low As; 15% Down Payment or GAP Coverage
Ocean State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
2006 Nooseneck Hill Rd, Coventry, RI, 02816
New Auto Loan
6.75%
60 Months
▼
APR6.75%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; 15% Down Payment or GAP Coverage
Ocean State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
2006 Nooseneck Hill Rd, Coventry, RI, 02816
New Vehicle
6.75%
60 months
▼
APR6.75%
Term60 months
Last UpdatedMar 20, 2026
Details
As Low As; 15% Down Payment or GAP Coverage
Westerly Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
122 Granite St, Westerly, RI, 02891
New Auto Loans 2025 and Newer
6.99%
8 years
▼
APR6.99%
Term8 years
Last UpdatedMar 22, 2026
Details
BayCoast Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
1 Crandall Rd, Tiverton, RI, 02878
New Only Auto Loans
7.75%
36 months
▼
APR7.75%
Term36 months
Last UpdatedMar 18, 2026
Details
BayCoast Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
1 Crandall Rd, Tiverton, RI, 02878
New Only Auto Loans
8.00%
48 months
▼
APR8.00%
Term48 months
Last UpdatedMar 18, 2026
Details
BayCoast Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
1 Crandall Rd, Tiverton, RI, 02878
New Only Auto Loans
8.25%
60 months
▼
APR8.25%
Term60 months
Last UpdatedMar 18, 2026
Details
BayCoast Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
1 Crandall Rd, Tiverton, RI, 02878
New Only Auto Loans
8.50%
72 months
▼
APR8.50%
Term72 months
Last UpdatedMar 18, 2026
Details
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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%
122 Granite St, Westerly, RI, 02891
Used Auto Loans 2021 - 2025
3.99%
3 years
▼
APR3.99%
Term3 years
Last UpdatedMar 22, 2026
Details
Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
160 Francis St, Providence, RI, 02903 1118
Used Auto 2025-2026
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMar 21, 2026
Details
Westerly Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
122 Granite St, Westerly, RI, 02891
Used Auto Loans 2023 and Newer
4.99%
6 years
▼
APR4.99%
Term6 years
Last UpdatedMar 22, 2026
Details
Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
160 Francis St, Providence, RI, 02903 1118
Used Auto 2021-2024
5.19%
66 Months
▼
APR5.19%
Term66 Months
Last UpdatedMar 21, 2026
Details
Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
160 Francis St, Providence, RI, 02903 1118
Used Auto 2020
5.39%
66 Months
▼
APR5.39%
Term66 Months
Last UpdatedMar 21, 2026
Details
Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
160 Francis St, Providence, RI, 02903 1118
Used Auto 2021-2024
5.49%
78 Months
▼
APR5.49%
Term78 Months
Last UpdatedMar 21, 2026
Details
Cumberland Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
2145 Diamond Hill Rd, Cumberland, RI, 02864 5135
Used Auto: 2021-2024
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedMar 18, 2026
Details
100% Financing
Cumberland Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
2145 Diamond Hill Rd, Cumberland, RI, 02864 5135
Used Auto: 2019 & 2020
6.25%
60 Months
▼
APR6.25%
Term60 Months
Last UpdatedMar 18, 2026
Details
100% Financing
Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
160 Francis St, Providence, RI, 02903 1118
Used Auto 2019
6.39%
66 Months
▼
APR6.39%
Term66 Months
Last UpdatedMar 21, 2026
Details
Westerly Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
122 Granite St, Westerly, RI, 02891
Used Auto Loans 2018 - 2020
6.49%
5 years
▼
APR6.49%
Term5 years
Last UpdatedMar 22, 2026
Details
Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
160 Francis St, Providence, RI, 02903 1118
Used Auto 2018
6.89%
66 Months
▼
APR6.89%
Term66 Months
Last UpdatedMar 21, 2026
Details
Cumberland Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
2145 Diamond Hill Rd, Cumberland, RI, 02864 5135
Used Auto: 2018 & Older
6.95%
48 Months
▼
APR6.95%
Term48 Months
Last UpdatedMar 18, 2026
Details
100% Financing
Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
160 Francis St, Providence, RI, 02903 1118
Used Auto 2017
7.39%
66 Months
▼
APR7.39%
Term66 Months
Last UpdatedMar 21, 2026
Details
Ocean State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
2006 Nooseneck Hill Rd, Coventry, RI, 02816
Used Auto Loan
7.50%
36 Months
▼
APR7.50%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; 15% Down Payment or GAP Coverage
Ocean State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
2006 Nooseneck Hill Rd, Coventry, RI, 02816
Used Vehicle
7.50%
36 months
▼
APR7.50%
Term36 months
Last UpdatedMar 20, 2026
Details
As Low As; 15% Down Payment or GAP Coverage
Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
160 Francis St, Providence, RI, 02903 1118
Used Auto 2016
7.89%
54 Months
▼
APR7.89%
Term54 Months
Last UpdatedMar 21, 2026
Details
Westerly Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
122 Granite St, Westerly, RI, 02891
Used Auto Loans 2011 - 2017
7.99%
4 years
▼
APR7.99%
Term4 years
Last UpdatedMar 22, 2026
Details
BayCoast Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
1 Crandall Rd, Tiverton, RI, 02878
Used Only Auto Loans
8.00%
36 months
▼
APR8.00%
Term36 months
Last UpdatedMar 18, 2026
Details
BayCoast Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
1 Crandall Rd, Tiverton, RI, 02878
Used Only Auto Loans
8.25%
48 months
▼
APR8.25%
Term48 months
Last UpdatedMar 18, 2026
Details
BayCoast Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
1 Crandall Rd, Tiverton, RI, 02878
Used Only Auto Loans
8.50%
60 months
▼
APR8.50%
Term60 months
Last UpdatedMar 18, 2026
Details
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MonitorBankRates
Frequently Asked Questions about Auto Loans in Lincoln, 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 Lincoln, 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 Lincoln, 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 Lincoln, Rhode Island?
Based on our current data, some of the lowest auto loan rates available in Lincoln, Rhode Island include:
- Blackstone River Federal Credit Union: 4.25% (New Auto)
- Navigant Credit Union: 4.74% (NEW 2025-2026 Auto Loan)
- Westerly Community Credit Union: 3.99% (New Auto Loans 2025 and Newer)
- Rhode Island Credit Union: 4.99% (New Auto 2025-2026)
- Greenwood Credit Union: 5.24% (2024 - NEW Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Lincoln, Rhode Island. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 23, 2026
