Auto Loan Rates in Rhode Island (RI) for May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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 Rhode Island. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Rhode Island include 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 4.24%, Blackstone River Federal Credit UnionBlackstone River Federal Credit Union10 Monument Sq, Woonsocket, RI, 02895A+5.0 ★Texas Ratio: 4.52% offering New Auto at 4.25%, Navigant Credit UnionNavigant Credit Union693 Broad St, Central Falls, RI, 02863A+5.0 ★Texas Ratio: 4.27% offering Auto Loan NEW 2025-2026 at 4.99%, 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%, 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 New Auto: 2025 & 2026 at 5.75%. Auto loan rates as of May 10, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across Rhode Island side-by-side. Rhode Island auto loan rates currently start as low as 4.24% APR from Westerly Community Credit Union at 122 Granite St, Westerly, RI, 02891. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Rhode Island. Auto Loan Rates Last Updated and Verified: May 10, 2026
Compare Auto Loan Rates Today in Rhode Island
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
New Auto Loans 2025 and Newer
4.24%
3 years
▼
APR4.24%
Term3 years
Last UpdatedMay 10, 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
4.24%
3 years
▼
APR4.24%
Term3 years
Last UpdatedMay 10, 2026
Details
Blackstone River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
10 Monument Sq, Woonsocket, RI, 02895
New Auto
4.25%
7 years
▼
APR4.25%
Term7 years
Last UpdatedMay 7, 2026
Details
As Low As
Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
693 Broad St, Central Falls, RI, 02863
Auto Loan NEW 2025-2026
4.99%
Up to 66 Months
▼
APR4.99%
TermUp to 66 Months
Last UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
693 Broad St, Central Falls, RI, 02863
Auto Loan 2024-2025
5.24%
Up to 66 Months
▼
APR5.24%
TermUp to 66 Months
Last UpdatedMay 10, 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
5.24%
6 years
▼
APR5.24%
Term6 years
Last UpdatedMay 10, 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
5.24%
6 years
▼
APR5.24%
Term6 years
Last UpdatedMay 10, 2026
Details
Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
693 Broad St, Central Falls, RI, 02863
Auto Loan NEW 2025-2026
5.34%
Up to 75 Months
▼
APR5.34%
TermUp to 75 Months
Last UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
693 Broad St, Central Falls, RI, 02863
Auto Loan 2022-2023
5.49%
Up to 66 Months
▼
APR5.49%
TermUp to 66 Months
Last UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
693 Broad St, Central Falls, RI, 02863
Auto Loan 2024-2025
5.59%
Up to 75 Months
▼
APR5.59%
TermUp to 75 Months
Last UpdatedMay 10, 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 UpdatedMay 7, 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 UpdatedMay 7, 2026
Details
100% Financing
Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
693 Broad St, Central Falls, RI, 02863
Auto Loan 2022-2023
5.84%
Up to 75 Months
▼
APR5.84%
TermUp to 75 Months
Last UpdatedMay 10, 2026
Details
Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
693 Broad St, Central Falls, RI, 02863
Auto Loan 2019-2021
5.99%
Up to 66 Months
▼
APR5.99%
TermUp to 66 Months
Last UpdatedMay 10, 2026
Details
Ocean State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
2006 Nooseneck Hill Rd, Coventry, RI, 02816
New Vehicle
6.00%
Up to 60 months
▼
APR6.00%
TermUp to 60 months
Last UpdatedMay 10, 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 UpdatedMay 7, 2026
Details
100% Financing
Ocean State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
2006 Nooseneck Hill Rd, Coventry, RI, 02816
New Vehicle
6.25%
Up to 36 Months
▼
APR6.25%
TermUp to 36 Months
Last UpdatedMay 10, 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
Used Vehicle
6.25%
60 Months
▼
APR6.25%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As; 15% Down Payment or GAP Coverage
Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
693 Broad St, Central Falls, RI, 02863
Auto Loan 2019-2021
6.34%
Up to 75 Months
▼
APR6.34%
TermUp to 75 Months
Last UpdatedMay 10, 2026
Details
Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
693 Broad St, Central Falls, RI, 02863
Auto Loan NEW 2025-2026
6.34%
Up to 84 Months
▼
APR6.34%
TermUp to 84 Months
Last UpdatedMay 10, 2026
Details
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 UpdatedMay 10, 2026
Details
Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
693 Broad St, Central Falls, RI, 02863
Auto Loan 2024-2025
6.59%
Up to 84 Months
▼
APR6.59%
TermUp to 84 Months
Last UpdatedMay 10, 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
6.74%
7 years
▼
APR6.74%
Term7 years
Last UpdatedMay 10, 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
6.74%
5 years
▼
APR6.74%
Term5 years
Last UpdatedMay 10, 2026
Details
Ocean State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
2006 Nooseneck Hill Rd, Coventry, RI, 02816
New Vehicle
6.75%
Up to 60 months
▼
APR6.75%
TermUp to 60 months
Last UpdatedMay 10, 2026
Details
As Low As; 10% Down Payment or GAP Coverage
Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
693 Broad St, Central Falls, RI, 02863
Auto Loan 2022-2023
6.84%
Up to 84 Months
▼
APR6.84%
TermUp to 84 Months
Last UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 7, 2026
Details
100% Financing
Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
693 Broad St, Central Falls, RI, 02863
Auto Loan 2016-2018
6.99%
Up to 66 Months
▼
APR6.99%
TermUp to 66 Months
Last UpdatedMay 10, 2026
Details
Ocean State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
2006 Nooseneck Hill Rd, Coventry, RI, 02816
Used Vehicle
7.00%
48 Months
▼
APR7.00%
Term48 Months
Last UpdatedMay 10, 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
7.24%
8 years
▼
APR7.24%
Term8 years
Last UpdatedMay 10, 2026
Details
Ocean State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
2006 Nooseneck Hill Rd, Coventry, RI, 02816
New Vehicle
7.25%
Up to 72 months
▼
APR7.25%
TermUp to 72 months
Last UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
Ocean State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
2006 Nooseneck Hill Rd, Coventry, RI, 02816
New Vehicle
7.75%
Up to 84 months
▼
APR7.75%
TermUp to 84 months
Last UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
693 Broad St, Central Falls, RI, 02863
Auto Loan 2015 and Older
7.99%
Up to 66 Months
▼
APR7.99%
TermUp to 66 Months
Last UpdatedMay 10, 2026
Details
Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
693 Broad St, Central Falls, RI, 02863
Auto Loan 2016-2018
7.99%
Up to 75 Months
▼
APR7.99%
TermUp to 75 Months
Last UpdatedMay 10, 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
8.24%
4 years
▼
APR8.24%
Term4 years
Last UpdatedMay 10, 2026
Details
Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
693 Broad St, Central Falls, RI, 02863
Auto Loan 2015 and Older
9.24%
Up to 75 Months
▼
APR9.24%
TermUp to 75 Months
Last UpdatedMay 10, 2026
Details
Ocean State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
2006 Nooseneck Hill Rd, Coventry, RI, 02816
Used Vehicle
10.00%
24 months
▼
APR10.00%
Term24 months
Last UpdatedMay 10, 2026
Details
As Low As; 15% Down Payment or GAP Coverage
Greenwood Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
2669 Post Rd, Warwick, RI, 02886 3039
New Auto Loan
10.49%
72 Months
▼
APR10.49%
Term72 Months
Last UpdatedMay 10, 2026
Details
Greenwood Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
2669 Post Rd, Warwick, RI, 02886 3039
New Auto Loan
10.74%
84 Months
▼
APR10.74%
Term84 Months
Last UpdatedMay 10, 2026
Details
Greenwood Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
2669 Post Rd, Warwick, RI, 02886 3039
Used Auto Loan
11.24%
60 Months
▼
APR11.24%
Term60 Months
Last UpdatedMay 10, 2026
Details
Greenwood Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
2669 Post Rd, Warwick, RI, 02886 3039
Used Auto Loan
11.74%
72 Months
▼
APR11.74%
Term72 Months
Last UpdatedMay 10, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Westerly Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
122 Granite St, Westerly, RI, 02891
New Auto Loans 2025 and Newer
4.24%
3 years
▼
APR4.24%
Term3 years
Last UpdatedMay 10, 2026
Details
Blackstone River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
10 Monument Sq, Woonsocket, RI, 02895
New Auto
4.25%
7 years
▼
APR4.25%
Term7 years
Last UpdatedMay 7, 2026
Details
As Low As
Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
693 Broad St, Central Falls, RI, 02863
Auto Loan NEW 2025-2026
4.99%
Up to 66 Months
▼
APR4.99%
TermUp to 66 Months
Last UpdatedMay 10, 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 UpdatedMay 10, 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
5.24%
6 years
▼
APR5.24%
Term6 years
Last UpdatedMay 10, 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
5.24%
6 years
▼
APR5.24%
Term6 years
Last UpdatedMay 10, 2026
Details
Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
693 Broad St, Central Falls, RI, 02863
Auto Loan NEW 2025-2026
5.34%
Up to 75 Months
▼
APR5.34%
TermUp to 75 Months
Last UpdatedMay 10, 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 UpdatedMay 7, 2026
Details
100% financing
Ocean State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
2006 Nooseneck Hill Rd, Coventry, RI, 02816
New Vehicle
6.00%
Up to 60 months
▼
APR6.00%
TermUp to 60 months
Last UpdatedMay 10, 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 Vehicle
6.25%
Up to 36 Months
▼
APR6.25%
TermUp to 36 Months
Last UpdatedMay 10, 2026
Details
As Low As; 10% Down Payment or GAP Coverage
Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
693 Broad St, Central Falls, RI, 02863
Auto Loan NEW 2025-2026
6.34%
Up to 84 Months
▼
APR6.34%
TermUp to 84 Months
Last UpdatedMay 10, 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
6.74%
7 years
▼
APR6.74%
Term7 years
Last UpdatedMay 10, 2026
Details
Ocean State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
2006 Nooseneck Hill Rd, Coventry, RI, 02816
New Vehicle
6.75%
Up to 60 months
▼
APR6.75%
TermUp to 60 months
Last UpdatedMay 10, 2026
Details
As Low As; 10% 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
7.24%
8 years
▼
APR7.24%
Term8 years
Last UpdatedMay 10, 2026
Details
Ocean State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
2006 Nooseneck Hill Rd, Coventry, RI, 02816
New Vehicle
7.25%
Up to 72 months
▼
APR7.25%
TermUp to 72 months
Last UpdatedMay 10, 2026
Details
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
7.75%
Up to 84 months
▼
APR7.75%
TermUp to 84 months
Last UpdatedMay 10, 2026
Details
15% Down Payment or GAP Coverage
Greenwood Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
2669 Post Rd, Warwick, RI, 02886 3039
New Auto Loan
10.49%
72 Months
▼
APR10.49%
Term72 Months
Last UpdatedMay 10, 2026
Details
Greenwood Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
2669 Post Rd, Warwick, RI, 02886 3039
New Auto Loan
10.74%
84 Months
▼
APR10.74%
Term84 Months
Last UpdatedMay 10, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Westerly Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
122 Granite St, Westerly, RI, 02891
Used Auto Loans 2021 - 2025
4.24%
3 years
▼
APR4.24%
Term3 years
Last UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 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
5.24%
6 years
▼
APR5.24%
Term6 years
Last UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 7, 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 UpdatedMay 7, 2026
Details
100% Financing
Ocean State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
2006 Nooseneck Hill Rd, Coventry, RI, 02816
Used Vehicle
6.25%
60 Months
▼
APR6.25%
Term60 Months
Last UpdatedMay 10, 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 2019
6.39%
66 Months
▼
APR6.39%
Term66 Months
Last UpdatedMay 10, 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
6.74%
5 years
▼
APR6.74%
Term5 years
Last UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 7, 2026
Details
100% Financing
Ocean State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
2006 Nooseneck Hill Rd, Coventry, RI, 02816
Used Vehicle
7.00%
48 Months
▼
APR7.00%
Term48 Months
Last UpdatedMay 10, 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 2017
7.39%
66 Months
▼
APR7.39%
Term66 Months
Last UpdatedMay 10, 2026
Details
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 UpdatedMay 10, 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
8.24%
4 years
▼
APR8.24%
Term4 years
Last UpdatedMay 10, 2026
Details
Ocean State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
2006 Nooseneck Hill Rd, Coventry, RI, 02816
Used Vehicle
10.00%
24 months
▼
APR10.00%
Term24 months
Last UpdatedMay 10, 2026
Details
As Low As; 15% Down Payment or GAP Coverage
Greenwood Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
2669 Post Rd, Warwick, RI, 02886 3039
Used Auto Loan
11.24%
60 Months
▼
APR11.24%
Term60 Months
Last UpdatedMay 10, 2026
Details
Greenwood Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
2669 Post Rd, Warwick, RI, 02886 3039
Used Auto Loan
11.74%
72 Months
▼
APR11.74%
Term72 Months
Last UpdatedMay 10, 2026
Details
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MonitorBankRates
Rhode Island Auto Loan Rate Trends
Compare local Rhode Island auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Auto Loan — RI Avg
6.456%
▲ 1.532 vs 7 days ago
Rhode Island new auto rates rose 1.532 points over the past 7 days to 6.456% APR.
Used Auto Loan — RI Avg
6.627%
▲ 0.686 vs 7 days ago
Rhode Island used auto rates rose 0.686 points over the past 7 days to 6.627% APR.
As of May 15, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our 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 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 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.
Frequently Asked Questions about Auto Loans in 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 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 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 Rhode Island?
Based on our current data, some of the lowest auto loan rates available in Rhode Island include:
- Westerly Community Credit Union: 4.24% (New Auto Loans 2025 and Newer)
- Blackstone River Federal Credit Union: 4.25% (New Auto)
- Navigant Credit Union: 4.99% (Auto Loan NEW 2025-2026)
- Rhode Island Credit Union: 4.99% (New Auto 2025-2026)
- Cumberland Municipal Employees Federal Credit Union: 5.75% (New Auto: 2025 & 2026)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Rhode Island. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 10, 2026
Auto Loan Rates by City in Rhode Island
Rate Assistant
MonitorBankRates.com · Live Data
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