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Auto Loan Rates in Lincoln, Rhode Island (RI) for April 2026

Content reviewed by
Brian McKay Brian McKay
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Brian McKay

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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Lincoln, Rhode Island. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: April 19, 2026

Current auto loan rates in Lincoln, Rhode Island include Blackstone River Federal Credit UnionBlackstone River Federal Credit Union100 Old River Rd, Lincoln, RI, 02865A+5.0 ★Texas Ratio: 4.52% offering New Auto at 4.25%, Navigant Credit UnionNavigant Credit Union185 Front St, Lincoln, RI, 02865A+5.0 ★Texas Ratio: 4.27% offering NEW 2025-2026 Auto Loan at 4.74%, Westerly Community Credit UnionWesterly Community Credit UnionA+5.0 ★Texas Ratio: 1.26% offering Used Auto Loans 2021 - 2025 at 3.99%, Rhode Island Credit UnionRhode Island Credit UnionA+5.0 ★Texas Ratio: 2.38% offering New Auto 2025-2026 at 4.99%, Cumberland Municipal Employees Federal Credit UnionCumberland Municipal Employees Federal Credit UnionA+5.0 ★Texas Ratio: 0.27% offering New Auto: 2025 & 2026 at 5.75%. Auto loan rates as of April 19, 2026 according to verified data from MonitorBankRates.

Lincoln has 2 local institutions in our database, with auto loan rates as low as 4.25% APR from Blackstone River Federal Credit Union at 100 Old River Rd, Lincoln, RI, 02865. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Lincoln, Rhode Island. Auto Loan Rates Last Updated and Verified: April 19, 2026

Compare Auto Loan Rates Today in Lincoln, Rhode Island & Surrounding Area

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Blackstone River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
100 Old River Rd, Lincoln, RI, 02865
New Auto
4.25%
7 years
View
▼
APR4.25%
Term7 years
Last UpdatedApr 18, 2026
Details

As Low As

Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
NEW 2025-2026 Auto Loan
4.74%
Up to 66 Months
View
▼
APR4.74%
TermUp to 66 Months
Last UpdatedApr 19, 2026
Details

Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
2024-2025 Auto Loan
4.99%
Up to 66 Months
View
▼
APR4.99%
TermUp to 66 Months
Last UpdatedApr 19, 2026
Details

Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
NEW 2025-2026 Auto Loan
5.09%
Up to 75 Months
View
▼
APR5.09%
TermUp to 75 Months
Last UpdatedApr 19, 2026
Details

Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
2022-2023 Auto Loan
5.24%
Up to 66 Months
View
▼
APR5.24%
TermUp to 66 Months
Last UpdatedApr 19, 2026
Details

Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
2024-2025 Auto Loan
5.34%
Up to 75 Months
View
▼
APR5.34%
TermUp to 75 Months
Last UpdatedApr 19, 2026
Details

Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
2022-2023 Auto Loan
5.59%
Up to 75 Months
View
▼
APR5.59%
TermUp to 75 Months
Last UpdatedApr 19, 2026
Details

Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
2019-2021 Auto Loan
5.74%
Up to 66 Months
View
▼
APR5.74%
TermUp to 66 Months
Last UpdatedApr 19, 2026
Details

Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
2019-2021 Auto Loan
6.09%
Up to 75 Months
View
▼
APR6.09%
TermUp to 75 Months
Last UpdatedApr 19, 2026
Details

Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
NEW 2025-2026 Auto Loan
6.09%
Up to 84 Months
View
▼
APR6.09%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details

Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
2024-2025 Auto Loan
6.34%
Up to 84 Months
View
▼
APR6.34%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details

Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
2022-2023 Auto Loan
6.59%
Up to 84 Months
View
▼
APR6.59%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details

Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
2016-2018 Auto Loan
6.74%
Up to 66 Months
View
▼
APR6.74%
TermUp to 66 Months
Last UpdatedApr 19, 2026
Details

Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
2015 and Older Auto Loan
7.74%
Up to 66 Months
View
▼
APR7.74%
TermUp to 66 Months
Last UpdatedApr 19, 2026
Details

Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
2016-2018 Auto Loan
7.74%
Up to 75 Months
View
▼
APR7.74%
TermUp to 75 Months
Last UpdatedApr 19, 2026
Details

Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
2015 and Older Auto Loan
8.99%
Up to 75 Months
View
▼
APR8.99%
TermUp to 75 Months
Last UpdatedApr 19, 2026
Details

Westerly Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
Used Auto Loans 2021 - 2025
3.99%
3 years
View
▼
APR3.99%
Term3 years
Last UpdatedApr 19, 2026
Details

Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
New Auto 2025-2026
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedApr 19, 2026
Details

Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Used Auto 2025-2026
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedApr 19, 2026
Details

Westerly Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
Used Auto Loans 2023 and Newer
4.99%
6 years
View
▼
APR4.99%
Term6 years
Last UpdatedApr 19, 2026
Details

Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Used Auto 2021-2024
5.19%
66 Months
View
▼
APR5.19%
Term66 Months
Last UpdatedApr 19, 2026
Details

Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Used Auto 2020
5.39%
66 Months
View
▼
APR5.39%
Term66 Months
Last UpdatedApr 19, 2026
Details

Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Used Auto 2021-2024
5.49%
78 Months
View
▼
APR5.49%
Term78 Months
Last UpdatedApr 19, 2026
Details

Cumberland Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
New Auto: 2025 & 2026
5.75%
84 Months
View
▼
APR5.75%
Term84 Months
Last UpdatedApr 18, 2026
Details

100% financing

Cumberland Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Used Auto: 2021-2024
5.75%
72 Months
View
▼
APR5.75%
Term72 Months
Last UpdatedApr 18, 2026
Details

100% Financing

Cumberland Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Used Auto: 2019 & 2020
6.25%
60 Months
View
▼
APR6.25%
Term60 Months
Last UpdatedApr 18, 2026
Details

100% Financing

Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Used Auto 2019
6.39%
66 Months
View
▼
APR6.39%
Term66 Months
Last UpdatedApr 19, 2026
Details

Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Used Auto 2018
6.89%
66 Months
View
▼
APR6.89%
Term66 Months
Last UpdatedApr 19, 2026
Details

Cumberland Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Used Auto: 2018 & Older
6.95%
48 Months
View
▼
APR6.95%
Term48 Months
Last UpdatedApr 18, 2026
Details

100% Financing

Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Used Auto 2017
7.39%
66 Months
View
▼
APR7.39%
Term66 Months
Last UpdatedApr 19, 2026
Details

Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Used Auto 2016
7.89%
54 Months
View
▼
APR7.89%
Term54 Months
Last UpdatedApr 19, 2026
Details

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Blackstone River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
100 Old River Rd, Lincoln, RI, 02865
New Auto
4.25%
7 years
View
▼
APR4.25%
Term7 years
Last UpdatedApr 18, 2026
Details

As Low As

Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
NEW 2025-2026 Auto Loan
4.74%
Up to 66 Months
View
▼
APR4.74%
TermUp to 66 Months
Last UpdatedApr 19, 2026
Details

Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
NEW 2025-2026 Auto Loan
5.09%
Up to 75 Months
View
▼
APR5.09%
TermUp to 75 Months
Last UpdatedApr 19, 2026
Details

Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
NEW 2025-2026 Auto Loan
6.09%
Up to 84 Months
View
▼
APR6.09%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details

Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
New Auto 2025-2026
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedApr 19, 2026
Details

Westerly Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
Used Auto Loans 2023 and Newer
4.99%
6 years
View
▼
APR4.99%
Term6 years
Last UpdatedApr 19, 2026
Details

Cumberland Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
New Auto: 2025 & 2026
5.75%
84 Months
View
▼
APR5.75%
Term84 Months
Last UpdatedApr 18, 2026
Details

100% financing

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%
Used Auto Loans 2021 - 2025
3.99%
3 years
View
▼
APR3.99%
Term3 years
Last UpdatedApr 19, 2026
Details

Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Used Auto 2025-2026
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedApr 19, 2026
Details

Westerly Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
Used Auto Loans 2023 and Newer
4.99%
6 years
View
▼
APR4.99%
Term6 years
Last UpdatedApr 19, 2026
Details

Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Used Auto 2021-2024
5.19%
66 Months
View
▼
APR5.19%
Term66 Months
Last UpdatedApr 19, 2026
Details

Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Used Auto 2020
5.39%
66 Months
View
▼
APR5.39%
Term66 Months
Last UpdatedApr 19, 2026
Details

Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Used Auto 2021-2024
5.49%
78 Months
View
▼
APR5.49%
Term78 Months
Last UpdatedApr 19, 2026
Details

Cumberland Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Used Auto: 2021-2024
5.75%
72 Months
View
▼
APR5.75%
Term72 Months
Last UpdatedApr 18, 2026
Details

100% Financing

Cumberland Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Used Auto: 2019 & 2020
6.25%
60 Months
View
▼
APR6.25%
Term60 Months
Last UpdatedApr 18, 2026
Details

100% Financing

Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Used Auto 2019
6.39%
66 Months
View
▼
APR6.39%
Term66 Months
Last UpdatedApr 19, 2026
Details

Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Used Auto 2018
6.89%
66 Months
View
▼
APR6.89%
Term66 Months
Last UpdatedApr 19, 2026
Details

Cumberland Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Used Auto: 2018 & Older
6.95%
48 Months
View
▼
APR6.95%
Term48 Months
Last UpdatedApr 18, 2026
Details

100% Financing

Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Used Auto 2017
7.39%
66 Months
View
▼
APR7.39%
Term66 Months
Last UpdatedApr 19, 2026
Details

Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Used Auto 2016
7.89%
54 Months
View
▼
APR7.89%
Term54 Months
Last UpdatedApr 19, 2026
Details

Lincoln, RI Auto Loan Rate Trends

Compare local Lincoln, 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.

View Full Rhode Island Auto Trends →
New Auto Loan — RI Avg
4.925%
▼ 1.500 vs 7 days ago

Rhode Island new auto rates fell 1.500 points over the past 7 days to 4.925% APR.

Used Auto Loan — RI Avg
5.941%
▼ 0.499 vs 7 days ago

Rhode Island used auto rates fell 0.499 points over the past 7 days to 5.941% APR.

As of Apr 23, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about Auto Loans in Lincoln, Rhode Island

How does my credit score affect my car loan rate in Rhode Island?

Your credit score is the biggest factor determining your auto loan APR. Borrowers in Lincoln, Rhode Island with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.

Is it better to finance through a dealership or a bank?

It is highly recommended to get pre-approved through a local bank or credit union in Rhode Island *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.

What is the difference between New and Used Auto Loan rates?

Lenders in Lincoln, Rhode Island typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.

How long should my auto loan term be?

While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.

What are the best Auto Loan rates in Lincoln, Rhode Island?

Based on our current data, some of the lowest auto loan rates available in Lincoln, Rhode Island include:
  • Blackstone River Federal Credit Union: 4.25% (New Auto)
  • Navigant Credit Union: 4.74% (NEW 2025-2026 Auto Loan)
  • Westerly Community Credit Union: 3.99% (Used Auto Loans 2021 - 2025)
  • 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 Lincoln, Rhode Island. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 19, 2026

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