Best Personal Loan Rates in Rhode Island (RI) - March 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
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Current personal loan options available to borrowers in Rhode Island include: Citizens BankCitizens Bank8 Washington Sq, Newport, RI, 02840A5.0 ★Texas Ratio: 8.28% offering Medical Residency Refinance Loan - Fixed at 5.45% APR, Coastal1 Credit UnionCoastal1 Credit Union540 Broadway, Pawtucket, RI, 02860 1227A+5.0 ★Texas Ratio: 2.03% offering Balloon Land Loans (Buildable Lot) 1/1 at 6.60% APR, Rhode Island Credit UnionRhode Island Credit Union160 Francis St, Providence, RI, 02903 1118A+5.0 ★Texas Ratio: 2.38% offering Personal Loan at 6.65% APR, TD BankTD Bank231 County Rd, Barrington, RI, 02806A5.0 ★Texas Ratio: 6.30% offering Personal Loan at 7.99% APR, and Cumberland Municipal Employees Federal Credit UnionCumberland Municipal Employees Federal Credit Union2145 Diamond Hill Rd, Cumberland, RI, 02864 5135A+5.0 ★Texas Ratio: 0.27% offering Holiday Loan at 9.00% APR.
Whether you need to consolidate high-interest debt, fund a home improvement project, or cover an unexpected expense, comparing personal loan rates across top-rated lenders in Rhode Island can save you significantly over the life of your loan.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Rhode Island.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Rhode Island. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: March 21, 2026
As Low As; 9.99%
As Low As; 10.31%APR
Your interest rate and monthly payments can fluctuate during the repayment period.
No additional details available.
As Low As; *All rates are subject to change without notice. Rates are the lowest rates available and are determined by individual creditworthiness. Other rates and terms available. The minimum loan amount for the 12 month term is $1,000.
No additional details available.
No additional details available.
As Low As; Low Fixed Rates
No additional details available.
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Loan amount: $2,000 to $50,000; Terms: 36 to 60 months; No origination or application fees, and no prepayment penalty
No additional details available.
No additional details available.
As Low As
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As Low As; Borrow up to $15,000; Terms up to 60 months; Easy online application; Quick turnaround and local decision-making
As Low As
As Low As
No additional details available.
Dime Deposit Account Holder
As Low As
As Low As
Loan amounts up to $10,000
As Low As; *All rates are subject to change without notice. Rates are the lowest rates available and are determined by individual creditworthiness. Other rates and terms available. The minimum loan amount for the 12 month term is $1,000.
No additional details available.
Loan amounts $10,001 - $15,000
No additional details available.
No additional details available.
Non Dime Deposit Account Holder
Regular APR: 12.49%- 15.49% depending on credit score
Regular APR: 12.74% - 15.74% depending on credit score
Regular APR: 12.99% - 16.24% depending on credit score
Regular APR: 13.24% - 16.24% depending on credit score
depending on credit score
Rate reduced 1/4% on all personal loans with automatic loan payment from MFB deposit account.
depending on credit score
depending on credit score
depending on credit score
As Low As
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As; *All rates are subject to change without notice. Rates are the lowest rates available and are determined by individual creditworthiness. Other rates and terms available. The minimum loan amount for the 12 month term is $1,000.
Loan amount: $2,000 to $50,000; Terms: 36 to 60 months; No origination or application fees, and no prepayment penalty
No additional details available.
As Low As
No additional details available.
As Low As
No additional details available.
Dime Deposit Account Holder
As Low As; *All rates are subject to change without notice. Rates are the lowest rates available and are determined by individual creditworthiness. Other rates and terms available. The minimum loan amount for the 12 month term is $1,000.
No additional details available.
No additional details available.
No additional details available.
Non Dime Deposit Account Holder
depending on credit score
Rate reduced 1/4% on all personal loans with automatic loan payment from MFB deposit account.
depending on credit score
depending on credit score
depending on credit score
As Low As
Frequently Asked Questions
What credit score do I need for a personal loan in Rhode Island?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Rhode Island?
Are credit unions or banks better for personal loans in Rhode Island?
What are the best personal loan rates in Rhode Island?
- Citizens Bank: 5.45% (Medical Residency Refinance Loan - Fixed)
- Coastal1 Credit Union: 6.60% (Balloon Land Loans (Buildable Lot) 1/1)
- Rhode Island Credit Union: 6.65% (Personal Loan)
- TD Bank: 7.99% (Personal Loan)
- Cumberland Municipal Employees Federal Credit Union: 9.00% (Holiday Loan)
