Best Personal Loan Rates in Rhode Island (RI) - May 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Rhode Island include: 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, 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 Holiday Loan at 9.00% APR, Navigant Credit UnionNavigant Credit Union693 Broad St, Central Falls, RI, 02863A+5.0 ★Texas Ratio: 4.27% offering Personal Loans at 9.24% APR, Cranston Municipal Employees Credit UnionCranston Municipal Employees Credit Union1615 Pontiac Ave, Cranston, RI, 02920A+5.0 ★Texas Ratio: 0.59% offering Personal Loans at 9.49% APR, and The Peoples Credit UnionThe Peoples Credit Union858 W Main Rd, Middletown, RI, 02842A+5.0 ★Texas Ratio: 3.41% offering Any Purpose Loan at 9.99% APR. Personal loan rates as of May 2, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across Rhode Island side-by-side. Rhode Island personal loan rates currently start as low as 6.65% APR from Rhode Island Credit Union at 160 Francis St, Providence, RI, 02903 1118. Rates are continually updated — we recommend checking back frequently.
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 Rhode Island.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in 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: May 2, 2026
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Rates as low as 10.45%*
Rates as low as 10.45%*
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Fixed rates shown. Rate reduced 1/4% on all personal loans with automatic loan payment from MFB deposit account.
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As Low As; Personal Loans
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Fixed rates shown. Rate reduced 1/4% on all personal loans with automatic loan payment from MFB deposit account.
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Rhode Island Personal Loan Rate Trends
Compare local Rhode Island personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Rhode Island personal loan rates fell 0.466 points over the past 7 days to 10.354% APR.
Rhode Island signature loan rates fell 0.181 points over the past 7 days to 11.024% APR.
Frequently Asked Questions
What credit score do I need for a personal loan in Rhode Island?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Rhode Island?
Are credit unions or banks better for personal loans in Rhode Island?
What are the best personal loan rates in Rhode Island?
- Rhode Island Credit Union: 6.65% (Personal Loan)
- Cumberland Municipal Employees Federal Credit Union: 9.00% (Holiday Loan)
- Navigant Credit Union: 9.24% (Personal Loans)
- Cranston Municipal Employees Credit Union: 9.49% (Personal Loans)
- The Peoples Credit Union: 9.99% (Any Purpose Loan)
