Warwick, Rhode Island Best Auto Loan Rates for November 2026
Brian McKay
Brian McKay
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Warwick, Rhode Island auto loan rates range from 4.19% to 10.00% APR, verified by MonitorBankRates as of November 9, 2026. Current auto loan rates in Warwick, Rhode Island include Greenwood Credit UnionGreenwood Credit Union2669 Post Rd, Warwick, RI, 02886 3039A+5.0 ★Texas Ratio: 4.24%Rate verified Nov 8, 2026 offering Auto Loan - 2024 - NEW at 5.24%, Rhode Island Credit UnionRhode Island Credit Union95 Jefferson Blvd, Warwick, RI, 02888A+5.0 ★Texas Ratio: 2.65%Rate verified Nov 9, 2026 offering New Auto at 5.49%, Bank of AmericaBank of America50 W Shore Rd, Warwick, RI, 02889A+5.0 ★Texas Ratio: 4.14%Rate verified Nov 5, 2026 offering New Car (dealer) Auto Loan at 5.64%, Navigant Credit UnionNavigant Credit Union2100 Warwick Ave, Warwick, RI, 02889A+5.0 ★Texas Ratio: 3.30%Rate verified Nov 8, 2026 offering Auto Loan at 5.99%, Ocean State Credit UnionOcean State Credit Union2247 W Shore Rd, Warwick, RI, 02889 8440A5.0 ★Texas Ratio: 10.51%Rate verified Nov 8, 2026 offering New Auto at 6.00%. Auto loan rates as of November 9, 2026 according to verified data from MonitorBankRates.
Warwick has 6 local institutions in our database, with auto loan rates as low as 5.24% APR from Greenwood Credit Union at 2669 Post Rd, Warwick, RI, 02886 3039. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Warwick, Rhode Island. Auto Loan Rates Last Updated and Verified: November 9, 2026
Compare Auto Loan Rates Today in Warwick, Rhode Island & Surrounding Area
Warwick Auto Loan Rates
Model Year: 2024 - NEW; Minimum Loan: $1,000.00; Advertised rate includes 0.25% reduction for auto pay from Greenwood Credit Union checking account
Model Year: 2025-2026; Rates are the lowest rates available and are determined by individual creditworthiness; Other rates and terms available; subject to change without notice
- Sep 18, 20265.49%▲ from 4.99%
- Sep 14, 20264.99%first recorded
Model Year: 2025-2026; Rates are the lowest rates available and are determined by individual creditworthiness; Other rates and terms available; subject to change without notice
- Sep 18, 20265.49%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Fixed-rate new car loan; 60-month option; as of Nov. 5, 2026; excludes additional BofA Rewards discount up to 0.50%
Model Year: 2021-2024; Rates are the lowest rates available and are determined by individual creditworthiness; Other rates and terms available; subject to change without notice
- Sep 18, 20265.69%▲ from 5.39%
- Sep 14, 20265.39%first recorded
Model Year: 2024 - NEW; Minimum Loan: $1,000.00; Advertised rate includes 0.25% reduction for auto pay from Greenwood Credit Union checking account
As Low As; Fixed-rate used car loan; 60-month option; as of Nov. 5, 2026; excludes additional BofA Rewards discount up to 0.50%
Model Year: 2020; Rates are the lowest rates available and are determined by individual creditworthiness; Other rates and terms available; subject to change without notice
- Sep 18, 20265.89%▲ from 5.39%
- Sep 14, 20265.39%first recorded
Model Year: NEW 2025-2026; Rates include 0.25% auto-pay deduction from a Navigant checking account
Model Year: 2020 - 2023; Minimum Loan: $1,000.00; Advertised rate includes 0.25% reduction for auto pay from Greenwood Credit Union checking account
Model Year: 2021-2024; Rates are the lowest rates available and are determined by individual creditworthiness; Other rates and terms available; subject to change without notice
- Sep 18, 20265.99%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; New Vehicle Must Have Full Insurance Coverage; 10% Down Payment or GAP Coverage
- Oct 29, 20266.00%▼ from 6.75%
- Sep 18, 20266.75%first recorded
Financing amount: $45,000; For online applicants with an excellent credit history
- Oct 31, 20266.09%▲ from 6.04%
- Oct 26, 20266.04%▼ from 6.24%
- Oct 14, 20266.24%first recorded
Financing amount: $30,000; For online applicants with an excellent credit history
- Oct 26, 20266.09%▼ from 6.29%
- Oct 14, 20266.29%first recorded
APR based on 60 months and $45,000 financing; for online applicants with excellent credit; new car purchase
- Oct 31, 20266.09%▼ from 6.24%
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
APR based on 60 months and $30,000 financing; for online applicants with excellent credit; used car purchase
- Oct 31, 20266.09%▼ from 6.29%
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
Model Year: 2022-2023; Rates include 0.25% auto-pay deduction from a Navigant checking account
As Low As; Vehicle Year: Model Year 2025-2026; Must Have Full Insurance Coverage; Maximum Mileage = 90,000 miles; 15% Down Payment or GAP Coverage
Model Year: NEW 2025-2026; Rates include 0.25% auto-pay deduction from a Navigant checking account
Model Year: 2020 - 2023; Minimum Loan: $1,000.00; Advertised rate includes 0.25% reduction for auto pay from Greenwood Credit Union checking account
Model Year: 2022-2023; Rates include 0.25% auto-pay deduction from a Navigant checking account
Model Year: 2019-2021; Rates include 0.25% auto-pay deduction from a Navigant checking account
Model Year: 2019; Rates are the lowest rates available and are determined by individual creditworthiness; Other rates and terms available; subject to change without notice
- Oct 13, 20266.89%▲ from 5.89%
- Sep 18, 20265.89%▲ from 5.39%
- Sep 14, 20265.39%first recorded
Model Year: 2016 - 2019; Minimum Loan: $1,000.00; Advertised rate includes 0.25% reduction for auto pay from Greenwood Credit Union checking account
As Low As; Vehicle Year: Model Year 2019-2020; Must Have Full Insurance Coverage; Maximum Mileage = 90,000 miles; 15% Down Payment or GAP Coverage
As Low As; Vehicle Year: Model Year 2021-2022; Must Have Full Insurance Coverage; Maximum Mileage = 90,000 miles; 15% Down Payment or GAP Coverage
As Low As; Vehicle Year: Model Year 2023-2024; Must Have Full Insurance Coverage; Maximum Mileage = 90,000 miles; 15% Down Payment or GAP Coverage
Model Year: 2019-2021; Rates include 0.25% auto-pay deduction from a Navigant checking account
As Low As; Minimum: $10,000; New Vehicle Must Have Full Insurance Coverage; 15% Down Payment or GAP Coverage
Model Year: NEW 2025-2026; Rates include 0.25% auto-pay deduction from a Navigant checking account
Model Year: 2018; Rates are the lowest rates available and are determined by individual creditworthiness; Other rates and terms available; subject to change without notice
- Oct 13, 20267.39%▲ from 5.89%
- Sep 18, 20265.89%▲ from 5.39%
- Sep 14, 20265.39%first recorded
Model Year: 2022-2023; Rates include 0.25% auto-pay deduction from a Navigant checking account
Model Year: 2016-2018; Rates include 0.25% auto-pay deduction from a Navigant checking account
As Low As; Minimum: $20,000; New Vehicle Must Have Full Insurance Coverage; 15% Down Payment or GAP Coverage
Model Year: 2017; Rates are the lowest rates available and are determined by individual creditworthiness; Other rates and terms available; subject to change without notice
- Oct 13, 20267.89%▲ from 5.89%
- Sep 18, 20265.89%▲ from 5.39%
- Sep 14, 20265.39%first recorded
Model Year: 2016; Rates are the lowest rates available and are determined by individual creditworthiness; Other rates and terms available; subject to change without notice
- Sep 18, 20268.39%▲ from 7.89%
- Sep 14, 20267.89%first recorded
Model Year: 2016-2018; Rates include 0.25% auto-pay deduction from a Navigant checking account
Model Year: 2015 and Older; Rates include 0.25% auto-pay deduction from a Navigant checking account
Model Year: 2015 and Older; Rates include 0.25% auto-pay deduction from a Navigant checking account
As Low As; Vehicle Year: Older Vehicles; Must Have Full Insurance Coverage; Maximum Mileage = 90,000 miles; 15% Down Payment or GAP Coverage
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Refinance; New vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles
- Oct 20, 20264.19%▲ from 3.89%
- Sep 30, 20263.89%first recorded
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
- Oct 31, 20264.44%▲ from 4.09%
- Sep 30, 20264.09%first recorded
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; Model Years 2026 - 2021; Direct deposit of at least $1,000 per month into any deposit account must be initiated within 45 days of loan closing, or the rate increases by 0.50%; Advertised rate(s) available on New & Used Vehicle Loans of Model Year 2021 or Newer with maximum LTV of 100% or less
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
New Vehicles Only; Published rate includes 0.25% discount with CMECU checking autopayment
As Low As; Model Years 2026 - 2021; Direct deposit of at least $1,000 per month into any deposit account must be initiated within 45 days of loan closing, or the rate increases by 0.50%; Advertised rate(s) available on New & Used Vehicle Loans of Model Year 2021 or Newer with maximum LTV of 100% or less
As Low As; Model Years 2026 - 2021; Direct deposit of at least $1,000 per month into any deposit account must be initiated within 45 days of loan closing, or the rate increases by 0.50%; Advertised rate(s) available on New & Used Vehicle Loans of Model Year 2021 or Newer with maximum LTV of 100% or less
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
Model Years 2022-2025; APR includes 0.25% automatic payment discount
New Vehicles Only; Published rate includes 0.25% discount with CMECU checking autopayment
Used Vehicles (2021-2025); Published rate includes 0.25% discount with CMECU checking autopayment
Model Years 2022-2025; APR includes 0.25% automatic payment discount
New Vehicles Only; Published rate includes 0.25% discount with CMECU checking autopayment
Used Vehicles (2021-2025); Published rate includes 0.25% discount with CMECU checking autopayment
Model Years 2023-2026; Advertised APR based on credit score of 700 and max LTV of 120%; published rate includes 0.25% automatic payment discount
Model Years 2023-2026; Advertised APR based on credit score of 700 and max LTV of 120%; published rate includes 0.25% automatic payment discount
Model Years 2023-2026; Published rate includes 0.25% automatic payment discount; Advertised APR based on credit score of 700 and maximum LTV of 120%
Model Years 2023-2026; Published rate includes 0.25% automatic payment discount; Advertised APR based on credit score of 700 and maximum LTV of 120%
Monthly payment per $1000 borrowed: $30.20; Rate for A credit score 720+ with 1.00% reduction for WCCU Checking autopay; Refinancing for new loans only; Maximum LTV 125% for new auto loans
Monthly payment per $1000 borrowed: $23.27; Rate for A credit score 720+ with 1.00% reduction for WCCU Checking autopay; Refinancing for new loans only; Maximum LTV 125% for new auto loans
Rates for members with an 'A' credit score of 720 or above, reflecting a 1.00% reduction for payments automatically deducted from a WCCU Checking Account; Max LTV 115%; vehicles with 125,001 to 150,000 miles add 0.50%
Rates for members with an 'A' credit score of 720 or above, reflecting a 1.00% reduction for payments automatically deducted from a WCCU Checking Account; Max LTV 115%; vehicles with 125,001 to 150,000 miles add 0.50%
As Low As; Model Years 2026 - 2021; Direct deposit of at least $1,000 per month into any deposit account must be initiated within 45 days of loan closing, or the rate increases by 0.50%; Advertised rate(s) available on New & Used Vehicle Loans of Model Year 2021 or Newer with maximum LTV of 100% or less
As Low As; Model Years 2026 - 2021; Direct deposit of at least $1,000 per month into any deposit account must be initiated within 45 days of loan closing, or the rate increases by 0.50%; Advertised rate(s) available on New & Used Vehicle Loans of Model Year 2021 or Newer with maximum LTV of 100% or less
Model Years 2019-2021; APR includes 0.25% automatic payment discount
Model Years 2022-2025; APR includes 0.25% automatic payment discount
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
Used Vehicles (2020-2013) as printed; Published rate includes 0.25% discount with CMECU checking autopayment
Model Years 2023-2026; Advertised APR based on credit score of 700 and max LTV of 120%; published rate includes 0.25% automatic payment discount
Model Years: 2020-2022
Model Years: 2020-2022
Model Years 2019-2021; APR includes 0.25% automatic payment discount
Model Years 2020-2022; APR includes 0.25% automatic payment discount
- Oct 9, 20265.74%▲ from 5.54%
- Sep 18, 20265.54%first recorded
Model Years 2023-2026; Published rate includes 0.25% automatic payment discount; Advertised APR based on credit score of 700 and maximum LTV of 120%
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
100% Financing; 6 Years
100% financing; 7 Years
Used Vehicles (2021-2025); Published rate includes 0.25% discount with CMECU checking autopayment
Monthly payment per $1000 borrowed: $19.34; Rate for A credit score 720+ with 1.00% reduction for WCCU Checking autopay; Refinancing for new loans only; Maximum LTV 125% for new auto loans
- Oct 5, 20265.99%▲ from 5.49%
- Sep 18, 20265.49%first recorded
Rates for members with an 'A' credit score of 720 or above, reflecting a 1.00% reduction for payments automatically deducted from a WCCU Checking Account; Max LTV 115%; vehicles with 125,001 to 150,000 miles add 0.50%
- Oct 5, 20265.99%▲ from 5.49%
- Sep 18, 20265.49%first recorded
Model Years: 2020-2022
- Oct 26, 20266.14%▲ from 5.79%
- Sep 18, 20265.79%first recorded
Model Years 2016-2018; APR includes 0.25% automatic payment discount
100% Financing; 5 Years
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
Used Vehicles (2020-2013) as printed; Published rate includes 0.25% discount with CMECU checking autopayment
New Vehicles Only; Published rate includes 0.25% discount with CMECU checking autopayment
Used Vehicles (2020-2013) as printed; Published rate includes 0.25% discount with CMECU checking autopayment
Model Years 2023-2026; Minimum loan amount $25,000; maximum mileage 40,000 for 84-month terms; Advertised APR based on credit score of 700 and max LTV of 120%; published rate includes 0.25% automatic payment discount
Model Years 2022-2025; minimum loan amount $25,000; maximum mileage 25,000; APR includes 0.25% automatic payment discount
Model Years 2023-2026; Minimum loan amount $25,000; maximum mileage 40,000 for 84-month term; Published rate includes 0.25% automatic payment discount; Advertised APR based on credit score of 700 and maximum LTV of 120%
Model Years: 2017-2019
- Nov 8, 20266.90%▼ from 7.10%
- Nov 3, 20267.10%▲ from 6.90%
- Oct 26, 20266.90%▲ from 5.34%
- Sep 18, 20265.34%first recorded
100% Financing; 4 Years
Monthly payment per $1000 borrowed: $17.06; Rate for A credit score 720+ with 1.00% reduction for WCCU Checking autopay; Refinancing for new loans only; Maximum LTV 125% for new auto loans
- Oct 5, 20266.99%▲ from 6.49%
- Sep 18, 20266.49%▲ from 5.99%
- Sep 14, 20265.99%first recorded
Motor Homes 10% Down; Campers 10% Down; Trailers 10% Down; Boats 20% Down; ATV's 20% Down; Snow Mobile 20% Down; Wave Runner 20% Down; Motorcycles 10% Down; Maximum loan amount Up to $50,000; For Motor Homes and Travel Trailer the term can extend out to 120 months depending on the amount of the loan
Model Years: 2016
- Oct 26, 20267.10%▲ from 5.34%
- Sep 18, 20265.34%first recorded
Down Payment: 5%; New only model year 2025-2026; Rate reflects 0.25% reduction with automatic debit, otherwise increased 0.25%; Purchase or refinance only
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
As Low As; Rates as of Nov 05, 2026 ET
As Low As; Rates as of Nov 05, 2026 ET
Down Payment: 5%; New only model year 2025-2026; Rate reflects 0.25% reduction with automatic debit, otherwise increased 0.25%; Purchase or refinance only
Down Payment: 10%; Used model year 2020 and newer for 36 months; Rate reflects 0.25% reduction with automatic debit, otherwise increased 0.25%; Purchase or refinance only
Model Years: 2017-2019
- Oct 26, 20267.54%▲ from 5.79%
- Sep 18, 20265.79%first recorded
As Low As; Advertised APR assumes excellent credit; Minimum loan amount $30,000 for 84-96 months; Terms over 84 months only for vehicles with fewer than 7,500 miles; New vehicles (2025 and newer, under 30,000 miles); Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Minimum loan amount is $30,000 for terms of 85-96 months; Rates as of Nov 05, 2026 ET
Down Payment: 5%; New only model year 2025-2026; Rate reflects 0.25% reduction with automatic debit, otherwise increased 0.25%; Purchase or refinance only
Down Payment: 10%; Used model year 2021 and newer for 48 months; Rate reflects 0.25% reduction with automatic debit, otherwise increased 0.25%; Purchase or refinance only
Down Payment: 5%; New only model year 2025-2026; Rate reflects 0.25% reduction with automatic debit, otherwise increased 0.25%; Purchase or refinance only
Down Payment: 10%; Used model year 2023 and newer for 60 months; Rate reflects 0.25% reduction with automatic debit, otherwise increased 0.25%; Purchase or refinance only
Minimum loan amount $25,000 for 7 years; Monthly payment per $1000 borrowed: $15.85; Rate for A credit score 720+ with 1.00% reduction for WCCU Checking autopay; Refinancing for new loans only; Maximum LTV 125% for new auto loans
- Oct 5, 20268.49%▲ from 7.99%
- Sep 18, 20267.99%▲ from 7.49%
- Sep 14, 20267.49%first recorded
As Low As; Effective Date: Sunday, November 8th, 2026; Advertised rate for New Recreational Vehicle Loans of Model Year 2024 or newer with maximum LTV of 95% or less and less than 10,001 miles
Minimum loan amount $40,000 for 8 years; Monthly payment per $1000 borrowed: $14.66; Rate for A credit score 720+ with 1.00% reduction for WCCU Checking autopay; Refinancing for new loans only; Maximum LTV 125% for new auto loans
- Oct 5, 20268.99%▲ from 8.49%
- Sep 18, 20268.49%▲ from 7.99%
- Sep 14, 20267.99%first recorded
As Low As; Rates as of Nov 05, 2026 ET; $25,000 minimum amount financed
As Low As; Rates as of Nov 05, 2026 ET; $25,000 minimum amount financed
As Low As; Rates as of Nov 05, 2026 ET; $30,000 minimum amount financed
As Low As; Effective Date: Sunday, November 8th, 2026; Advertised rate for Used Recreational Vehicle Loans of Model Year 2024 or older with maximum LTV of 95% or less and more than 10,000 miles
Warwick New Auto Auto Loan Rates
Model Year: 2024 - NEW; Minimum Loan: $1,000.00; Advertised rate includes 0.25% reduction for auto pay from Greenwood Credit Union checking account
Model Year: 2025-2026; Rates are the lowest rates available and are determined by individual creditworthiness; Other rates and terms available; subject to change without notice
- Sep 18, 20265.49%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Fixed-rate new car loan; 60-month option; as of Nov. 5, 2026; excludes additional BofA Rewards discount up to 0.50%
Model Year: 2024 - NEW; Minimum Loan: $1,000.00; Advertised rate includes 0.25% reduction for auto pay from Greenwood Credit Union checking account
As Low As; New Vehicle Must Have Full Insurance Coverage; 10% Down Payment or GAP Coverage
- Oct 29, 20266.00%▼ from 6.75%
- Sep 18, 20266.75%first recorded
Financing amount: $45,000; For online applicants with an excellent credit history
- Oct 31, 20266.09%▲ from 6.04%
- Oct 26, 20266.04%▼ from 6.24%
- Oct 14, 20266.24%first recorded
APR based on 60 months and $45,000 financing; for online applicants with excellent credit; new car purchase
- Oct 31, 20266.09%▼ from 6.24%
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
As Low As; Minimum: $10,000; New Vehicle Must Have Full Insurance Coverage; 15% Down Payment or GAP Coverage
As Low As; Minimum: $20,000; New Vehicle Must Have Full Insurance Coverage; 15% Down Payment or GAP Coverage
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Refinance; New vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles
- Oct 20, 20264.19%▲ from 3.89%
- Sep 30, 20263.89%first recorded
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
- Oct 31, 20264.44%▲ from 4.09%
- Sep 30, 20264.09%first recorded
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
New Vehicles Only; Published rate includes 0.25% discount with CMECU checking autopayment
New Vehicles Only; Published rate includes 0.25% discount with CMECU checking autopayment
New Vehicles Only; Published rate includes 0.25% discount with CMECU checking autopayment
Monthly payment per $1000 borrowed: $30.20; Rate for A credit score 720+ with 1.00% reduction for WCCU Checking autopay; Refinancing for new loans only; Maximum LTV 125% for new auto loans
Monthly payment per $1000 borrowed: $23.27; Rate for A credit score 720+ with 1.00% reduction for WCCU Checking autopay; Refinancing for new loans only; Maximum LTV 125% for new auto loans
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
100% financing; 7 Years
Monthly payment per $1000 borrowed: $19.34; Rate for A credit score 720+ with 1.00% reduction for WCCU Checking autopay; Refinancing for new loans only; Maximum LTV 125% for new auto loans
- Oct 5, 20265.99%▲ from 5.49%
- Sep 18, 20265.49%first recorded
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
New Vehicles Only; Published rate includes 0.25% discount with CMECU checking autopayment
Monthly payment per $1000 borrowed: $17.06; Rate for A credit score 720+ with 1.00% reduction for WCCU Checking autopay; Refinancing for new loans only; Maximum LTV 125% for new auto loans
- Oct 5, 20266.99%▲ from 6.49%
- Sep 18, 20266.49%▲ from 5.99%
- Sep 14, 20265.99%first recorded
Down Payment: 5%; New only model year 2025-2026; Rate reflects 0.25% reduction with automatic debit, otherwise increased 0.25%; Purchase or refinance only
Down Payment: 5%; New only model year 2025-2026; Rate reflects 0.25% reduction with automatic debit, otherwise increased 0.25%; Purchase or refinance only
As Low As; Advertised APR assumes excellent credit; Minimum loan amount $30,000 for 84-96 months; Terms over 84 months only for vehicles with fewer than 7,500 miles; New vehicles (2025 and newer, under 30,000 miles); Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Minimum loan amount is $30,000 for terms of 85-96 months; Rates as of Nov 05, 2026 ET
Down Payment: 5%; New only model year 2025-2026; Rate reflects 0.25% reduction with automatic debit, otherwise increased 0.25%; Purchase or refinance only
Down Payment: 5%; New only model year 2025-2026; Rate reflects 0.25% reduction with automatic debit, otherwise increased 0.25%; Purchase or refinance only
Minimum loan amount $25,000 for 7 years; Monthly payment per $1000 borrowed: $15.85; Rate for A credit score 720+ with 1.00% reduction for WCCU Checking autopay; Refinancing for new loans only; Maximum LTV 125% for new auto loans
- Oct 5, 20268.49%▲ from 7.99%
- Sep 18, 20267.99%▲ from 7.49%
- Sep 14, 20267.49%first recorded
As Low As; Effective Date: Sunday, November 8th, 2026; Advertised rate for New Recreational Vehicle Loans of Model Year 2024 or newer with maximum LTV of 95% or less and less than 10,001 miles
Minimum loan amount $40,000 for 8 years; Monthly payment per $1000 borrowed: $14.66; Rate for A credit score 720+ with 1.00% reduction for WCCU Checking autopay; Refinancing for new loans only; Maximum LTV 125% for new auto loans
- Oct 5, 20268.99%▲ from 8.49%
- Sep 18, 20268.49%▲ from 7.99%
- Sep 14, 20267.99%first recorded
Warwick Used Auto Auto Loan Rates
Model Year: 2025-2026; Rates are the lowest rates available and are determined by individual creditworthiness; Other rates and terms available; subject to change without notice
- Sep 18, 20265.49%▲ from 4.99%
- Sep 14, 20264.99%first recorded
Model Year: 2021-2024; Rates are the lowest rates available and are determined by individual creditworthiness; Other rates and terms available; subject to change without notice
- Sep 18, 20265.69%▲ from 5.39%
- Sep 14, 20265.39%first recorded
As Low As; Fixed-rate used car loan; 60-month option; as of Nov. 5, 2026; excludes additional BofA Rewards discount up to 0.50%
Model Year: 2020; Rates are the lowest rates available and are determined by individual creditworthiness; Other rates and terms available; subject to change without notice
- Sep 18, 20265.89%▲ from 5.39%
- Sep 14, 20265.39%first recorded
Model Year: 2021-2024; Rates are the lowest rates available and are determined by individual creditworthiness; Other rates and terms available; subject to change without notice
- Sep 18, 20265.99%▲ from 5.49%
- Sep 14, 20265.49%first recorded
Financing amount: $30,000; For online applicants with an excellent credit history
- Oct 26, 20266.09%▼ from 6.29%
- Oct 14, 20266.29%first recorded
APR based on 60 months and $30,000 financing; for online applicants with excellent credit; used car purchase
- Oct 31, 20266.09%▼ from 6.29%
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
As Low As; Vehicle Year: Model Year 2025-2026; Must Have Full Insurance Coverage; Maximum Mileage = 90,000 miles; 15% Down Payment or GAP Coverage
Model Year: 2019; Rates are the lowest rates available and are determined by individual creditworthiness; Other rates and terms available; subject to change without notice
- Oct 13, 20266.89%▲ from 5.89%
- Sep 18, 20265.89%▲ from 5.39%
- Sep 14, 20265.39%first recorded
As Low As; Vehicle Year: Model Year 2019-2020; Must Have Full Insurance Coverage; Maximum Mileage = 90,000 miles; 15% Down Payment or GAP Coverage
As Low As; Vehicle Year: Model Year 2021-2022; Must Have Full Insurance Coverage; Maximum Mileage = 90,000 miles; 15% Down Payment or GAP Coverage
As Low As; Vehicle Year: Model Year 2023-2024; Must Have Full Insurance Coverage; Maximum Mileage = 90,000 miles; 15% Down Payment or GAP Coverage
Model Year: 2018; Rates are the lowest rates available and are determined by individual creditworthiness; Other rates and terms available; subject to change without notice
- Oct 13, 20267.39%▲ from 5.89%
- Sep 18, 20265.89%▲ from 5.39%
- Sep 14, 20265.39%first recorded
Model Year: 2017; Rates are the lowest rates available and are determined by individual creditworthiness; Other rates and terms available; subject to change without notice
- Oct 13, 20267.89%▲ from 5.89%
- Sep 18, 20265.89%▲ from 5.39%
- Sep 14, 20265.39%first recorded
Model Year: 2016; Rates are the lowest rates available and are determined by individual creditworthiness; Other rates and terms available; subject to change without notice
- Sep 18, 20268.39%▲ from 7.89%
- Sep 14, 20267.89%first recorded
As Low As; Vehicle Year: Older Vehicles; Must Have Full Insurance Coverage; Maximum Mileage = 90,000 miles; 15% Down Payment or GAP Coverage
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
Used Vehicles (2021-2025); Published rate includes 0.25% discount with CMECU checking autopayment
Used Vehicles (2021-2025); Published rate includes 0.25% discount with CMECU checking autopayment
Rates for members with an 'A' credit score of 720 or above, reflecting a 1.00% reduction for payments automatically deducted from a WCCU Checking Account; Max LTV 115%; vehicles with 125,001 to 150,000 miles add 0.50%
Rates for members with an 'A' credit score of 720 or above, reflecting a 1.00% reduction for payments automatically deducted from a WCCU Checking Account; Max LTV 115%; vehicles with 125,001 to 150,000 miles add 0.50%
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
Used Vehicles (2020-2013) as printed; Published rate includes 0.25% discount with CMECU checking autopayment
100% Financing; 6 Years
Used Vehicles (2021-2025); Published rate includes 0.25% discount with CMECU checking autopayment
Rates for members with an 'A' credit score of 720 or above, reflecting a 1.00% reduction for payments automatically deducted from a WCCU Checking Account; Max LTV 115%; vehicles with 125,001 to 150,000 miles add 0.50%
- Oct 5, 20265.99%▲ from 5.49%
- Sep 18, 20265.49%first recorded
100% Financing; 5 Years
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
Used Vehicles (2020-2013) as printed; Published rate includes 0.25% discount with CMECU checking autopayment
Used Vehicles (2020-2013) as printed; Published rate includes 0.25% discount with CMECU checking autopayment
100% Financing; 4 Years
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
Down Payment: 10%; Used model year 2020 and newer for 36 months; Rate reflects 0.25% reduction with automatic debit, otherwise increased 0.25%; Purchase or refinance only
Down Payment: 10%; Used model year 2021 and newer for 48 months; Rate reflects 0.25% reduction with automatic debit, otherwise increased 0.25%; Purchase or refinance only
Down Payment: 10%; Used model year 2023 and newer for 60 months; Rate reflects 0.25% reduction with automatic debit, otherwise increased 0.25%; Purchase or refinance only
As Low As; Effective Date: Sunday, November 8th, 2026; Advertised rate for Used Recreational Vehicle Loans of Model Year 2024 or older with maximum LTV of 95% or less and more than 10,000 miles
Warwick, RI Auto Loan Rate Trends
Compare local Warwick, 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.
Rhode Island new auto rates rose 0.012 points over the past 7 days to 5.725% APR.
Rhode Island used auto rates fell 0.007 points over the past 7 days to 6.130% APR.
Warwick, RI Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Rhode Island figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Rhode Island APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.72% APR RI average | Used Auto @ 6.13% APR RI average | Monthly Difference |
|---|---|---|---|
| $15,000 | $288.08/mo | $290.90/mo | $2.82/mo |
| $25,000 | $480.13/mo | $484.83/mo | $4.71/mo |
| $35,000 | $672.18/mo | $678.77/mo | $6.59/mo |
| $45,000 | $864.23/mo | $872.70/mo | $8.47/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Warwick, Rhode Island
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Warwick, Rhode Island locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Rhode Island. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a Warwick, Rhode Island high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Warwick, Rhode Island CD rates lock in a guaranteed return until you’re ready to buy
Warwick, Rhode Island Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $576 monthly car payment works out to roughly 13.0% of the median individual income in Warwick, Rhode Island. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Warwick, Rhode Island, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1 to 3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0 to 2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Warwick, Rhode Island. We’ve prefilled the APR with today’s RI new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Warwick, Rhode Island auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Warwick, Rhode Island directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Warwick, Rhode Island. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in RI.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Bad Credit Auto Loans in Warwick, Rhode Island
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
Get Preapproved Before the Dealer
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
Put More Money Down
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
Keep the Term Short
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
Add a Cosigner
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
Be Careful With Buy Here Pay Here
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.
Frequently Asked Questions about Auto Loans in Warwick, Rhode Island
What are auto loan rates in Warwick, Rhode Island today?
How does my credit score affect my car loan rate in Warwick, Rhode Island?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in Warwick, Rhode Island?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
Can I get an auto loan with bad credit in Warwick, Rhode Island?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Warwick, Rhode Island?
- Greenwood Credit Union: 5.24% (Auto Loan - 2024 - NEW)
- Rhode Island Credit Union: 5.49% (New Auto)
- Bank of America: 5.64% (New Car (dealer) Auto Loan)
- Navigant Credit Union: 5.99% (Auto Loan)
- Ocean State Credit Union: 6.00% (New Auto)
Warwick, Rhode Island Rates & Resources
