Auto Loan Rates in North Kingstown, Rhode Island (RI) for May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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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 North Kingstown, Rhode Island. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in North Kingstown, Rhode Island include Navigant Credit UnionNavigant Credit Union1041 Ten Rod Rd, North Kingstown, RI, 02852A+5.0 ★Texas Ratio: 4.27% offering Auto Loan NEW 2025-2026 at 4.99%, Ocean State Credit UnionOcean State Credit Union7373 POST Rd, NORTH KINGSTOWN, RI, 02852A5.0 ★Texas Ratio: 7.10% offering New Vehicle at 6.00%, Westerly Community Credit UnionWesterly Community Credit UnionA+5.0 ★Texas Ratio: 1.26% offering New Auto Loans 2025 and Newer at 4.24%, Blackstone River Federal Credit UnionBlackstone River Federal Credit UnionA+5.0 ★Texas Ratio: 4.52% offering New Auto at 4.25%, Rhode Island Credit UnionRhode Island Credit UnionA+5.0 ★Texas Ratio: 2.38% offering New Auto 2025-2026 at 4.99%. Auto loan rates as of May 10, 2026 according to verified data from MonitorBankRates.
North Kingstown has 2 local institutions in our database, with auto loan rates as low as 4.99% APR from Navigant Credit Union at 1041 Ten Rod Rd, North Kingstown, RI, 02852. 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 North Kingstown, Rhode Island. Auto Loan Rates Last Updated and Verified: May 10, 2026
Compare Auto Loan Rates Today in North Kingstown, Rhode Island & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
1041 Ten Rod Rd, North Kingstown, RI, 02852
Auto Loan NEW 2025-2026
4.99%
Up to 66 Months
▼
APR4.99%
TermUp to 66 Months
Last UpdatedMay 10, 2026
Details
Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
1041 Ten Rod Rd, North Kingstown, RI, 02852
Auto Loan 2024-2025
5.24%
Up to 66 Months
▼
APR5.24%
TermUp to 66 Months
Last UpdatedMay 10, 2026
Details
Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
1041 Ten Rod Rd, North Kingstown, RI, 02852
Auto Loan NEW 2025-2026
5.34%
Up to 75 Months
▼
APR5.34%
TermUp to 75 Months
Last UpdatedMay 10, 2026
Details
Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
1041 Ten Rod Rd, North Kingstown, RI, 02852
Auto Loan 2022-2023
5.49%
Up to 66 Months
▼
APR5.49%
TermUp to 66 Months
Last UpdatedMay 10, 2026
Details
Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
1041 Ten Rod Rd, North Kingstown, RI, 02852
Auto Loan 2024-2025
5.59%
Up to 75 Months
▼
APR5.59%
TermUp to 75 Months
Last UpdatedMay 10, 2026
Details
Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
1041 Ten Rod Rd, North Kingstown, RI, 02852
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%
1041 Ten Rod Rd, North Kingstown, RI, 02852
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%
7373 POST Rd, NORTH KINGSTOWN, RI, 02852
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%
7373 POST Rd, NORTH KINGSTOWN, RI, 02852
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%
7373 POST Rd, NORTH KINGSTOWN, RI, 02852
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%
1041 Ten Rod Rd, North Kingstown, RI, 02852
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%
1041 Ten Rod Rd, North Kingstown, RI, 02852
Auto Loan NEW 2025-2026
6.34%
Up to 84 Months
▼
APR6.34%
TermUp to 84 Months
Last UpdatedMay 10, 2026
Details
Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
1041 Ten Rod Rd, North Kingstown, RI, 02852
Auto Loan 2024-2025
6.59%
Up to 84 Months
▼
APR6.59%
TermUp to 84 Months
Last UpdatedMay 10, 2026
Details
Ocean State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
7373 POST Rd, NORTH KINGSTOWN, RI, 02852
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%
1041 Ten Rod Rd, North Kingstown, RI, 02852
Auto Loan 2022-2023
6.84%
Up to 84 Months
▼
APR6.84%
TermUp to 84 Months
Last UpdatedMay 10, 2026
Details
Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
1041 Ten Rod Rd, North Kingstown, RI, 02852
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%
7373 POST Rd, NORTH KINGSTOWN, RI, 02852
Used Vehicle
7.00%
48 Months
▼
APR7.00%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As; 15% Down Payment or GAP Coverage
Ocean State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
7373 POST Rd, NORTH KINGSTOWN, RI, 02852
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%
7373 POST Rd, NORTH KINGSTOWN, RI, 02852
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
Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
1041 Ten Rod Rd, North Kingstown, RI, 02852
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%
1041 Ten Rod Rd, North Kingstown, RI, 02852
Auto Loan 2016-2018
7.99%
Up to 75 Months
▼
APR7.99%
TermUp to 75 Months
Last UpdatedMay 10, 2026
Details
Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
1041 Ten Rod Rd, North Kingstown, RI, 02852
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%
7373 POST Rd, NORTH KINGSTOWN, RI, 02852
Used Vehicle
10.00%
24 months
▼
APR10.00%
Term24 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%
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%
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%
New Auto
4.25%
7 years
▼
APR4.25%
Term7 years
Last UpdatedMay 7, 2026
Details
As Low As
Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
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%
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%
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%
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%
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%
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%
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%
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%
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%
Used Auto: 2019 & 2020
6.25%
60 Months
▼
APR6.25%
Term60 Months
Last UpdatedMay 7, 2026
Details
100% Financing
Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
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%
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%
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%
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%
Used Auto: 2018 & Older
6.95%
48 Months
▼
APR6.95%
Term48 Months
Last UpdatedMay 7, 2026
Details
100% Financing
Westerly Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
New Auto Loans 2025 and Newer
7.24%
8 years
▼
APR7.24%
Term8 years
Last UpdatedMay 10, 2026
Details
Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
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%
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%
Used Auto Loans 2011 - 2017
8.24%
4 years
▼
APR8.24%
Term4 years
Last UpdatedMay 10, 2026
Details
Greenwood Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
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%
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%
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%
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
Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
1041 Ten Rod Rd, North Kingstown, RI, 02852
Auto Loan NEW 2025-2026
4.99%
Up to 66 Months
▼
APR4.99%
TermUp to 66 Months
Last UpdatedMay 10, 2026
Details
Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
1041 Ten Rod Rd, North Kingstown, RI, 02852
Auto Loan NEW 2025-2026
5.34%
Up to 75 Months
▼
APR5.34%
TermUp to 75 Months
Last UpdatedMay 10, 2026
Details
Ocean State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
7373 POST Rd, NORTH KINGSTOWN, RI, 02852
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%
7373 POST Rd, NORTH KINGSTOWN, RI, 02852
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%
1041 Ten Rod Rd, North Kingstown, RI, 02852
Auto Loan NEW 2025-2026
6.34%
Up to 84 Months
▼
APR6.34%
TermUp to 84 Months
Last UpdatedMay 10, 2026
Details
Ocean State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
7373 POST Rd, NORTH KINGSTOWN, RI, 02852
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
Ocean State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
7373 POST Rd, NORTH KINGSTOWN, RI, 02852
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%
7373 POST Rd, NORTH KINGSTOWN, RI, 02852
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
Westerly Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
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%
New Auto
4.25%
7 years
▼
APR4.25%
Term7 years
Last UpdatedMay 7, 2026
Details
As Low As
Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
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%
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%
Used Auto Loans 2023 and Newer
5.24%
6 years
▼
APR5.24%
Term6 years
Last UpdatedMay 10, 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
▼
APR5.75%
Term84 Months
Last UpdatedMay 7, 2026
Details
100% financing
Westerly Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
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%
New Auto Loans 2025 and Newer
7.24%
8 years
▼
APR7.24%
Term8 years
Last UpdatedMay 10, 2026
Details
Greenwood Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
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%
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
Ocean State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
7373 POST Rd, NORTH KINGSTOWN, RI, 02852
Used Vehicle
6.25%
60 Months
▼
APR6.25%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As; 15% Down Payment or GAP Coverage
Ocean State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
7373 POST Rd, NORTH KINGSTOWN, RI, 02852
Used Vehicle
7.00%
48 Months
▼
APR7.00%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As; 15% Down Payment or GAP Coverage
Ocean State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
7373 POST Rd, NORTH KINGSTOWN, RI, 02852
Used Vehicle
10.00%
24 months
▼
APR10.00%
Term24 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%
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%
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%
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%
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%
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%
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%
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%
Used Auto: 2019 & 2020
6.25%
60 Months
▼
APR6.25%
Term60 Months
Last UpdatedMay 7, 2026
Details
100% Financing
Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
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%
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%
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%
Used Auto: 2018 & Older
6.95%
48 Months
▼
APR6.95%
Term48 Months
Last UpdatedMay 7, 2026
Details
100% Financing
Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
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%
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%
Used Auto Loans 2011 - 2017
8.24%
4 years
▼
APR8.24%
Term4 years
Last UpdatedMay 10, 2026
Details
Greenwood Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
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%
Used Auto Loan
11.74%
72 Months
▼
APR11.74%
Term72 Months
Last UpdatedMay 10, 2026
Details
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North Kingstown, RI Auto Loan Rate Trends
Compare local North Kingstown, 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.
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
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Frequently Asked Questions about Auto Loans in North Kingstown, 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 North Kingstown, 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 North Kingstown, 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 North Kingstown, Rhode Island?
Based on our current data, some of the lowest auto loan rates available in North Kingstown, Rhode Island include:
- Navigant Credit Union: 4.99% (Auto Loan NEW 2025-2026)
- Ocean State Credit Union: 6.00% (New Vehicle)
- Westerly Community Credit Union: 4.24% (New Auto Loans 2025 and Newer)
- Blackstone River Federal Credit Union: 4.25% (New Auto)
- Rhode Island Credit Union: 4.99% (New Auto 2025-2026)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in North Kingstown, Rhode Island. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 10, 2026
North Kingstown, Rhode Island Rates & Resources
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