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Auto Loan Rates in Providence, Rhode Island (RI) for May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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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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| 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 Providence, 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: May 10, 2026

Current auto loan rates in Providence, Rhode Island include Navigant Credit UnionNavigant Credit Union179 W River st, Providence, RI, 02904 2610A+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%, Ocean State Credit UnionOcean State Credit Union40 Westminster St, Providence, RI, 02903 2525A5.0 ★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%. Auto loan rates as of May 10, 2026 according to verified data from MonitorBankRates.

Providence has 3 local institutions in our database, with auto loan rates as low as 4.99% APR from Navigant Credit Union at 179 W River st, Providence, RI, 02904 2610. 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 Providence, Rhode Island. Auto Loan Rates Last Updated and Verified: May 10, 2026

Compare Auto Loan Rates Today in Providence, 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%
179 W River st, Providence, RI, 02904 2610
Auto Loan NEW 2025-2026
4.99%
Up to 66 Months
View
▼
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
View
▼
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
View
▼
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
View
▼
APR5.19%
Term66 Months
Last UpdatedMay 10, 2026
Details

Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
179 W River st, Providence, RI, 02904 2610
Auto Loan 2024-2025
5.24%
Up to 66 Months
View
▼
APR5.24%
TermUp to 66 Months
Last UpdatedMay 10, 2026
Details

Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
179 W River st, Providence, RI, 02904 2610
Auto Loan NEW 2025-2026
5.34%
Up to 75 Months
View
▼
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
View
▼
APR5.39%
Term66 Months
Last UpdatedMay 10, 2026
Details

Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
179 W River st, Providence, RI, 02904 2610
Auto Loan 2022-2023
5.49%
Up to 66 Months
View
▼
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
View
▼
APR5.49%
Term78 Months
Last UpdatedMay 10, 2026
Details

Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
179 W River st, Providence, RI, 02904 2610
Auto Loan 2024-2025
5.59%
Up to 75 Months
View
▼
APR5.59%
TermUp to 75 Months
Last UpdatedMay 10, 2026
Details

Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
179 W River st, Providence, RI, 02904 2610
Auto Loan 2022-2023
5.84%
Up to 75 Months
View
▼
APR5.84%
TermUp to 75 Months
Last UpdatedMay 10, 2026
Details

Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
179 W River st, Providence, RI, 02904 2610
Auto Loan 2019-2021
5.99%
Up to 66 Months
View
▼
APR5.99%
TermUp to 66 Months
Last UpdatedMay 10, 2026
Details

Ocean State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
40 Westminster St, Providence, RI, 02903 2525
New Vehicle
6.00%
Up to 60 months
View
▼
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%
40 Westminster St, Providence, RI, 02903 2525
New Vehicle
6.25%
Up to 36 Months
View
▼
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%
40 Westminster St, Providence, RI, 02903 2525
Used Vehicle
6.25%
60 Months
View
▼
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%
179 W River st, Providence, RI, 02904 2610
Auto Loan 2019-2021
6.34%
Up to 75 Months
View
▼
APR6.34%
TermUp to 75 Months
Last UpdatedMay 10, 2026
Details

Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
179 W River st, Providence, RI, 02904 2610
Auto Loan NEW 2025-2026
6.34%
Up to 84 Months
View
▼
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
View
▼
APR6.39%
Term66 Months
Last UpdatedMay 10, 2026
Details

Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
179 W River st, Providence, RI, 02904 2610
Auto Loan 2024-2025
6.59%
Up to 84 Months
View
▼
APR6.59%
TermUp to 84 Months
Last UpdatedMay 10, 2026
Details

Ocean State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
40 Westminster St, Providence, RI, 02903 2525
New Vehicle
6.75%
Up to 60 months
View
▼
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%
179 W River st, Providence, RI, 02904 2610
Auto Loan 2022-2023
6.84%
Up to 84 Months
View
▼
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
View
▼
APR6.89%
Term66 Months
Last UpdatedMay 10, 2026
Details

Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
179 W River st, Providence, RI, 02904 2610
Auto Loan 2016-2018
6.99%
Up to 66 Months
View
▼
APR6.99%
TermUp to 66 Months
Last UpdatedMay 10, 2026
Details

Ocean State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
40 Westminster St, Providence, RI, 02903 2525
Used Vehicle
7.00%
48 Months
View
▼
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%
40 Westminster St, Providence, RI, 02903 2525
New Vehicle
7.25%
Up to 72 months
View
▼
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
View
▼
APR7.39%
Term66 Months
Last UpdatedMay 10, 2026
Details

Ocean State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
40 Westminster St, Providence, RI, 02903 2525
New Vehicle
7.75%
Up to 84 months
View
▼
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
View
▼
APR7.89%
Term54 Months
Last UpdatedMay 10, 2026
Details

Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
179 W River st, Providence, RI, 02904 2610
Auto Loan 2015 and Older
7.99%
Up to 66 Months
View
▼
APR7.99%
TermUp to 66 Months
Last UpdatedMay 10, 2026
Details

Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
179 W River st, Providence, RI, 02904 2610
Auto Loan 2016-2018
7.99%
Up to 75 Months
View
▼
APR7.99%
TermUp to 75 Months
Last UpdatedMay 10, 2026
Details

Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
179 W River st, Providence, RI, 02904 2610
Auto Loan 2015 and Older
9.24%
Up to 75 Months
View
▼
APR9.24%
TermUp to 75 Months
Last UpdatedMay 10, 2026
Details

Ocean State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
40 Westminster St, Providence, RI, 02903 2525
Used Vehicle
10.00%
24 months
View
▼
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
View
▼
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
View
▼
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
View
▼
APR4.25%
Term7 years
Last UpdatedMay 7, 2026
Details

As Low As

Westerly Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
New Auto Loans 2025 and Newer
5.24%
6 years
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR6.25%
Term60 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
View
▼
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
View
▼
APR6.74%
Term5 years
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
View
▼
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
View
▼
APR7.24%
Term8 years
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR11.74%
Term72 Months
Last UpdatedMay 10, 2026
Details

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%
179 W River st, Providence, RI, 02904 2610
Auto Loan NEW 2025-2026
4.99%
Up to 66 Months
View
▼
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
View
▼
APR4.99%
Term84 Months
Last UpdatedMay 10, 2026
Details

Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
179 W River st, Providence, RI, 02904 2610
Auto Loan NEW 2025-2026
5.34%
Up to 75 Months
View
▼
APR5.34%
TermUp to 75 Months
Last UpdatedMay 10, 2026
Details

Ocean State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
40 Westminster St, Providence, RI, 02903 2525
New Vehicle
6.00%
Up to 60 months
View
▼
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%
40 Westminster St, Providence, RI, 02903 2525
New Vehicle
6.25%
Up to 36 Months
View
▼
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%
179 W River st, Providence, RI, 02904 2610
Auto Loan NEW 2025-2026
6.34%
Up to 84 Months
View
▼
APR6.34%
TermUp to 84 Months
Last UpdatedMay 10, 2026
Details

Ocean State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
40 Westminster St, Providence, RI, 02903 2525
New Vehicle
6.75%
Up to 60 months
View
▼
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%
40 Westminster St, Providence, RI, 02903 2525
New Vehicle
7.25%
Up to 72 months
View
▼
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%
40 Westminster St, Providence, RI, 02903 2525
New Vehicle
7.75%
Up to 84 months
View
▼
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
View
▼
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
View
▼
APR4.25%
Term7 years
Last UpdatedMay 7, 2026
Details

As Low As

Westerly Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
New Auto Loans 2025 and Newer
5.24%
6 years
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR10.74%
Term84 Months
Last UpdatedMay 10, 2026
Details

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
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
View
▼
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
View
▼
APR5.19%
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 2020
5.39%
66 Months
View
▼
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
View
▼
APR5.49%
Term78 Months
Last UpdatedMay 10, 2026
Details

Ocean State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
40 Westminster St, Providence, RI, 02903 2525
Used Vehicle
6.25%
60 Months
View
▼
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
View
▼
APR6.39%
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 2018
6.89%
66 Months
View
▼
APR6.89%
Term66 Months
Last UpdatedMay 10, 2026
Details

Ocean State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
40 Westminster St, Providence, RI, 02903 2525
Used Vehicle
7.00%
48 Months
View
▼
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
View
▼
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
View
▼
APR7.89%
Term54 Months
Last UpdatedMay 10, 2026
Details

Ocean State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
40 Westminster St, Providence, RI, 02903 2525
Used Vehicle
10.00%
24 months
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▼
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
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▼
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 2023 and Newer
5.24%
6 years
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▼
APR5.24%
Term6 years
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
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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
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▼
APR6.25%
Term60 Months
Last UpdatedMay 7, 2026
Details

100% Financing

Westerly Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
Used Auto Loans 2018 - 2020
6.74%
5 years
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▼
APR6.74%
Term5 years
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
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▼
APR6.95%
Term48 Months
Last UpdatedMay 7, 2026
Details

100% Financing

Westerly Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
Used Auto Loans 2011 - 2017
8.24%
4 years
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▼
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
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▼
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
View
▼
APR11.74%
Term72 Months
Last UpdatedMay 10, 2026
Details

Providence, RI Auto Loan Rate Trends

Compare local Providence, 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
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

Frequently Asked Questions about Auto Loans in Providence, 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 Providence, 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 Providence, 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 Providence, Rhode Island?

Based on our current data, some of the lowest auto loan rates available in Providence, Rhode Island include:
  • Navigant Credit Union: 4.99% (Auto Loan NEW 2025-2026)
  • Rhode Island Credit Union: 4.99% (New Auto 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)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Providence, Rhode Island. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 10, 2026

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