Best Personal Loan Rates in Lincoln, Rhode Island (RI) - April 2026
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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 Rhode Island borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
Current personal loan options available to borrowers in Lincoln, Rhode Island include: Citizens BankCitizens Bank622 George Washington Hwy, Lincoln, RI, 02865A5.0 ★Texas Ratio: 8.28% offering Medical Residency Refinance Loan at 5.45% APR, Navigant Credit UnionNavigant Credit Union185 Front St, Lincoln, RI, 02865A+5.0 ★Texas Ratio: 4.27% offering Personal Loans at 9.24% APR, Blackstone River Federal Credit UnionBlackstone River Federal Credit Union100 Old River Rd, Lincoln, RI, 02865A+5.0 ★Texas Ratio: 4.52% offering Personal Unsecured at 10.45% 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, and 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 6.71% APR. Personal loan rates as of March 29, 2026 according to verified data from MonitorBankRates.
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 Lincoln, 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 Lincoln, Rhode Island.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Lincoln, 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 29, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
622 George Washington Hwy, Lincoln, RI, 02865
Medical Residency Refinance Loan
5.45%
▼
APR5.45%
Last UpdatedApril 1, 2026
Details
Fixed rates
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
622 George Washington Hwy, Lincoln, RI, 02865
Medical Residency Refinance Loan
5.51%
▼
APR5.51%
Last UpdatedApril 1, 2026
Details
Variable rates
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
622 George Washington Hwy, Lincoln, RI, 02865
Variable Rate Loan
5.51%
▼
APR5.51%
Last UpdatedApril 1, 2026
Details
Your interest rate and monthly payments can fluctuate during the repayment period.
Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
Personal Loans
9.24%
▼
APR9.24%
Last UpdatedApril 1, 2026
Details
No additional details available.
Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
Personal Loans
9.74%
▼
APR9.74%
Last UpdatedApril 1, 2026
Details
No additional details available.
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
622 George Washington Hwy, Lincoln, RI, 02865
Medical Residency Refinance Loan
9.99%
▼
APR9.99%
Last UpdatedApril 1, 2026
Details
Fixed rates
Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
Personal Loans
10.24%
▼
APR10.24%
Last UpdatedApril 1, 2026
Details
No additional details available.
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
622 George Washington Hwy, Lincoln, RI, 02865
Medical Residency Refinance Loan
10.31%
▼
APR10.31%
Last UpdatedApril 1, 2026
Details
Variable rates
Blackstone River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
100 Old River Rd, Lincoln, RI, 02865
Personal Unsecured
10.45%
▼
APR10.45%
Last UpdatedApril 1, 2026
Details
As Low As
Blackstone River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
100 Old River Rd, Lincoln, RI, 02865
Personal with co-maker
10.45%
▼
APR10.45%
Last UpdatedApril 1, 2026
Details
As Low As
Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
Personal Loans
10.74%
▼
APR10.74%
Last UpdatedApril 1, 2026
Details
No additional details available.
Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
Personal Loans
11.24%
▼
APR11.24%
Last UpdatedApril 1, 2026
Details
No additional details available.
Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
Smart Start Loan
18.00%
▼
APR18.00%
Last UpdatedApril 1, 2026
Details
No additional details available.
Rhode Island Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
160 Francis St, Providence, RI, 02903 1118
Personal Loan
6.65%
▼
APR6.65%
Last UpdatedApril 1, 2026
Details
No additional details available.
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
540 Broadway, Pawtucket, RI, 02860 1227
Balloon Land Loans (Buildable Lot) 1/1
6.71%
▼
APR6.71%
Last UpdatedApril 1, 2026
Details
No additional details available.
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
540 Broadway, Pawtucket, RI, 02860 1227
Equity Loans
7.13%
▼
APR7.13%
Last UpdatedApril 1, 2026
Details
No additional details available.
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
540 Broadway, Pawtucket, RI, 02860 1227
Loans
7.13%
▼
APR7.13%
Last UpdatedApril 1, 2026
Details
As Low As; Low Fixed Rates
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
540 Broadway, Pawtucket, RI, 02860 1227
Balloon Land Loans (Buildable Lot) 5/1
7.16%
▼
APR7.16%
Last UpdatedApril 1, 2026
Details
No additional details available.
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
540 Broadway, Pawtucket, RI, 02860 1227
Equity Loans
7.38%
▼
APR7.38%
Last UpdatedApril 1, 2026
Details
No additional details available.
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
540 Broadway, Pawtucket, RI, 02860 1227
Equity Loans
7.63%
▼
APR7.63%
Last UpdatedApril 1, 2026
Details
No additional details available.
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
540 Broadway, Pawtucket, RI, 02860 1227
Equity Loans
7.88%
▼
APR7.88%
Last UpdatedApril 1, 2026
Details
No additional details available.
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
231 County Rd, Barrington, RI, 02806
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 1, 2026
Details
Loan amount: $2,000 to $50,000; Terms: 36 to 60 months; No origination or application fees, and no prepayment penalty
Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
156 Westminster St, Providence, RI, 02903
Land Loans (Buildable Land)
8.24%
▼
APR8.24%
Last UpdatedApril 1, 2026
Details
Up to 65% LTV
Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
156 Westminster St, Providence, RI, 02903
Land Loans (Buildable Land)
8.54%
▼
APR8.54%
Last UpdatedApril 1, 2026
Details
Up to 65% LTV
Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
156 Westminster St, Providence, RI, 02903
Land Loans (Buildable Land)
8.74%
▼
APR8.74%
Last UpdatedApril 1, 2026
Details
Up to 65% LTV
Cumberland Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
2145 Diamond Hill Rd, Cumberland, RI, 02864 5135
Holiday Loan
9.00%
▼
APR9.00%
Last UpdatedApril 1, 2026
Details
No additional details available.
Cranston Municipal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
1615 Pontiac Ave, Cranston, RI, 02920
Personal Loans
9.49%
▼
APR9.49%
Last UpdatedApril 1, 2026
Details
As Low As
The Peoples Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
858 W Main Rd, Middletown, RI, 02842
Any Purpose Loan
9.99%
▼
APR9.99%
Last UpdatedApril 1, 2026
Details
No additional details available.
Wave Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
480 Greenwich Ave, Warwick, RI, 02886 1606
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 1, 2026
Details
As Low As
Westerly Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
122 Granite St, Westerly, RI, 02891
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 1, 2026
Details
As Low As
Dime Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
131 Franklin St, Westerly, RI, 02891
Personal Loans - Dime Deposit Account Hold
10.25%
▼
APR10.25%
Last UpdatedApril 1, 2026
Details
No additional details available.
Dime Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
131 Franklin St, Westerly, RI, 02891
Personal Loans - Dime Deposit Account Holder
10.25%
▼
APR10.25%
Last UpdatedApril 1, 2026
Details
No additional details available.
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
540 Broadway, Pawtucket, RI, 02860 1227
Personal/Consolidation Loans
10.49%
▼
APR10.49%
Last UpdatedApril 1, 2026
Details
Loan amounts up to $10,000
Rhode Island Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
160 Francis St, Providence, RI, 02903 1118
Personal Loan
10.65%
▼
APR10.65%
Last UpdatedApril 1, 2026
Details
No additional details available.
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
540 Broadway, Pawtucket, RI, 02860 1227
Personal/Consolidation Loans
10.99%
▼
APR10.99%
Last UpdatedApril 1, 2026
Details
Loan amounts $10,001 - $15,000
Cumberland Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
2145 Diamond Hill Rd, Cumberland, RI, 02864 5135
Personal Loan
12.00%
▼
APR12.00%
Last UpdatedApril 1, 2026
Details
No additional details available.
Dime Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
131 Franklin St, Westerly, RI, 02891
Personal Loans - Non Dime Deposit Account Holder
12.25%
▼
APR12.25%
Last UpdatedApril 1, 2026
Details
No additional details available.
Greenwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
2669 Post Rd, Warwick, RI, 02886 3039
Pet Expense Loan
12.49%
▼
APR12.49%
Last UpdatedApril 1, 2026
Details
depending on credit score
Greenwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
2669 Post Rd, Warwick, RI, 02886 3039
Pet Expense Loan
12.74%
▼
APR12.74%
Last UpdatedApril 1, 2026
Details
depending on credit score
Greenwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
2669 Post Rd, Warwick, RI, 02886 3039
Pet Expense Loan
12.99%
▼
APR12.99%
Last UpdatedApril 1, 2026
Details
depending on credit score
Greenwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
2669 Post Rd, Warwick, RI, 02886 3039
Pet Expense Loan
13.24%
▼
APR13.24%
Last UpdatedApril 1, 2026
Details
depending on credit score
Greenwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
2669 Post Rd, Warwick, RI, 02886 3039
Personal Loan
13.75%
▼
APR13.75%
Last UpdatedApril 1, 2026
Details
depending on credit score
Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
156 Westminster St, Providence, RI, 02903
Unsecured Personal Loans
13.75%
▼
APR13.75%
Last UpdatedApril 1, 2026
Details
No additional details available.
Milford Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2020 Diamond Hill Rd, Woonsocket, RI, 02895
Unsecured Personal Loan
14.00%
▼
APR14.00%
Last UpdatedApril 1, 2026
Details
Rate reduced 1/4% on all personal loans with automatic loan payment from MFB deposit account.
Greenwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
2669 Post Rd, Warwick, RI, 02886 3039
Personal Loan
14.25%
▼
APR14.25%
Last UpdatedApril 1, 2026
Details
depending on credit score
Greenwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
2669 Post Rd, Warwick, RI, 02886 3039
Personal Loan
14.75%
▼
APR14.75%
Last UpdatedApril 1, 2026
Details
depending on credit score
Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
156 Westminster St, Providence, RI, 02903
Unsecured Personal Loans
15.65%
▼
APR15.65%
Last UpdatedApril 1, 2026
Details
No additional details available.
Greenwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
2669 Post Rd, Warwick, RI, 02886 3039
Personal Loan
15.75%
▼
APR15.75%
Last UpdatedApril 1, 2026
Details
depending on credit score
Ocean State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
2006 Nooseneck Hill Rd, Coventry, RI, 02816
Debt Consolidation Loans
15.75%
▼
APR15.75%
Last UpdatedApril 1, 2026
Details
As Low As
Ocean State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
2006 Nooseneck Hill Rd, Coventry, RI, 02816
Personal Loans
15.75%
▼
APR15.75%
Last UpdatedApril 1, 2026
Details
As Low As
Greenwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
2669 Post Rd, Warwick, RI, 02886 3039
Personal Bridge Loan
16.00%
▼
APR16.00%
Last UpdatedApril 1, 2026
Details
No additional details available.
Greenwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
2669 Post Rd, Warwick, RI, 02886 3039
Personal Bridge Loan
18.00%
▼
APR18.00%
Last UpdatedApril 1, 2026
Details
No additional details available.
Greenwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
2669 Post Rd, Warwick, RI, 02886 3039
Personal Bridge Loan
20.00%
▼
APR20.00%
Last UpdatedApril 1, 2026
Details
No additional details available.
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
Personal Loans
9.24%
▼
APR9.24%
Last UpdatedApril 1, 2026
Details
No additional details available.
Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
Personal Loans
9.74%
▼
APR9.74%
Last UpdatedApril 1, 2026
Details
No additional details available.
Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
Personal Loans
10.24%
▼
APR10.24%
Last UpdatedApril 1, 2026
Details
No additional details available.
Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
Personal Loans
10.74%
▼
APR10.74%
Last UpdatedApril 1, 2026
Details
No additional details available.
Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
Personal Loans
11.24%
▼
APR11.24%
Last UpdatedApril 1, 2026
Details
No additional details available.
Rhode Island Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
160 Francis St, Providence, RI, 02903 1118
Personal Loan
6.65%
▼
APR6.65%
Last UpdatedApril 1, 2026
Details
No additional details available.
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
231 County Rd, Barrington, RI, 02806
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 1, 2026
Details
Loan amount: $2,000 to $50,000; Terms: 36 to 60 months; No origination or application fees, and no prepayment penalty
Cranston Municipal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
1615 Pontiac Ave, Cranston, RI, 02920
Personal Loans
9.49%
▼
APR9.49%
Last UpdatedApril 1, 2026
Details
As Low As
Wave Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
480 Greenwich Ave, Warwick, RI, 02886 1606
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 1, 2026
Details
As Low As
Westerly Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
122 Granite St, Westerly, RI, 02891
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 1, 2026
Details
As Low As
Dime Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
131 Franklin St, Westerly, RI, 02891
Personal Loans - Dime Deposit Account Holder
10.25%
▼
APR10.25%
Last UpdatedApril 1, 2026
Details
No additional details available.
Dime Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
131 Franklin St, Westerly, RI, 02891
Personal Loans - Dime Deposit Account Hold
10.25%
▼
APR10.25%
Last UpdatedApril 1, 2026
Details
No additional details available.
Rhode Island Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
160 Francis St, Providence, RI, 02903 1118
Personal Loan
10.65%
▼
APR10.65%
Last UpdatedApril 1, 2026
Details
No additional details available.
Cumberland Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
2145 Diamond Hill Rd, Cumberland, RI, 02864 5135
Personal Loan
12.00%
▼
APR12.00%
Last UpdatedApril 1, 2026
Details
No additional details available.
Dime Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
131 Franklin St, Westerly, RI, 02891
Personal Loans - Non Dime Deposit Account Holder
12.25%
▼
APR12.25%
Last UpdatedApril 1, 2026
Details
No additional details available.
Greenwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
2669 Post Rd, Warwick, RI, 02886 3039
Personal Loan
13.75%
▼
APR13.75%
Last UpdatedApril 1, 2026
Details
depending on credit score
Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
156 Westminster St, Providence, RI, 02903
Unsecured Personal Loans
13.75%
▼
APR13.75%
Last UpdatedApril 1, 2026
Details
No additional details available.
Milford Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2020 Diamond Hill Rd, Woonsocket, RI, 02895
Unsecured Personal Loan
14.00%
▼
APR14.00%
Last UpdatedApril 1, 2026
Details
Rate reduced 1/4% on all personal loans with automatic loan payment from MFB deposit account.
Greenwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
2669 Post Rd, Warwick, RI, 02886 3039
Personal Loan
14.25%
▼
APR14.25%
Last UpdatedApril 1, 2026
Details
depending on credit score
Greenwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
2669 Post Rd, Warwick, RI, 02886 3039
Personal Loan
14.75%
▼
APR14.75%
Last UpdatedApril 1, 2026
Details
depending on credit score
Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
156 Westminster St, Providence, RI, 02903
Unsecured Personal Loans
15.65%
▼
APR15.65%
Last UpdatedApril 1, 2026
Details
No additional details available.
Greenwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
2669 Post Rd, Warwick, RI, 02886 3039
Personal Loan
15.75%
▼
APR15.75%
Last UpdatedApril 1, 2026
Details
depending on credit score
Ocean State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
2006 Nooseneck Hill Rd, Coventry, RI, 02816
Personal Loans
15.75%
▼
APR15.75%
Last UpdatedApril 1, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Ocean State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
2006 Nooseneck Hill Rd, Coventry, RI, 02816
Debt Consolidation Loans
15.75%
▼
APR15.75%
Last UpdatedApril 1, 2026
Details
As Low As
Powered by
MonitorBankRates
No signature loans personal loan rates found in Lincoln, RI currently.
No home improvement personal loan rates found in Lincoln, RI currently.
Frequently Asked Questions
What credit score do I need for a personal loan in Rhode Island?
Most lenders in Lincoln, Rhode Island require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in Rhode Island often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in Lincoln, Rhode Island require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.
Can I use a personal loan for debt consolidation in Rhode Island?
Yes. Debt consolidation is one of the most common uses of personal loans in Lincoln, Rhode Island. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.
Are credit unions or banks better for personal loans in Lincoln, Rhode Island?
Credit unions in Lincoln, Rhode Island often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.
What are the best personal loan rates in Lincoln, Rhode Island?
- Citizens Bank: 5.45% (Medical Residency Refinance Loan)
- Navigant Credit Union: 9.24% (Personal Loans)
- Blackstone River Federal Credit Union: 10.45% (Personal Unsecured)
- Rhode Island Credit Union: 6.65% (Personal Loan)
- Coastal1 Credit Union: 6.71% (Balloon Land Loans (Buildable Lot) 1/1)
Personal 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 29, 2026.
Personal Loan Calculators
