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Best Personal Loan Rates in Lincoln, Rhode Island (RI) - May 2026

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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 Rhode Island borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
| ✓Fact Checked | Personal Loan Rates — Last Updated and Verified: May 3, 2026

Current personal loan options available to borrowers in Lincoln, Rhode Island include: Navigant Credit UnionNavigant Credit Union185 Front St, Lincoln, RI, 02865A+5.0 ★Texas Ratio: 4.27% offering Personal Loans at 9.24% APR, Blackstone River Federal Credit UnionBlackstone River Federal Credit Union100 Old River Rd, Lincoln, RI, 02865A+5.0 ★Texas Ratio: 4.52% offering Personal Unsecured at 10.45% APR, Rhode Island Credit UnionRhode Island Credit UnionA+5.0 ★Texas Ratio: 2.38% offering Personal Loan at 6.65% APR, Cumberland Municipal Employees Federal Credit UnionCumberland Municipal Employees Federal Credit UnionA+5.0 ★Texas Ratio: 0.27% offering Holiday Loan at 9.00% APR, and Cranston Municipal Employees Credit UnionCranston Municipal Employees Credit UnionA+5.0 ★Texas Ratio: 0.59% offering Personal Loans at 9.49% APR. Personal loan rates as of May 3, 2026 according to verified data from MonitorBankRates.

Lincoln has 2 local institutions in our database, with personal loan rates as low as 9.24% APR from Navigant Credit Union at 185 Front St, Lincoln, RI, 02865. Use the tabs below to compare all available personal loan types. 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 Lincoln, Rhode Island.

Personal loan rates reflect recent market quotes and representative offers available to borrowers in Lincoln, 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 3, 2026

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
Personal Loans
9.24%
View
▼
APR9.24%
Last UpdatedMay 4, 2026
Details

No additional details available.

Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
Personal Loans
9.74%
View
▼
APR9.74%
Last UpdatedMay 4, 2026
Details

No additional details available.

Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
Personal Loans
10.24%
View
▼
APR10.24%
Last UpdatedMay 4, 2026
Details

No additional details available.

Blackstone River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
100 Old River Rd, Lincoln, RI, 02865
Personal Unsecured
10.45%
View
▼
APR10.45%
Last UpdatedMay 4, 2026
Details

Rates as low as 10.45%*

Blackstone River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
100 Old River Rd, Lincoln, RI, 02865
Personal with co-maker
10.45%
View
▼
APR10.45%
Last UpdatedMay 4, 2026
Details

Rates as low as 10.45%*

Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
Personal Loans
10.74%
View
▼
APR10.74%
Last UpdatedMay 4, 2026
Details

No additional details available.

Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
Personal Loans
11.24%
View
▼
APR11.24%
Last UpdatedMay 4, 2026
Details

No additional details available.

Rhode Island Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Personal Loan
6.65%
View
▼
APR6.65%
Last UpdatedMay 4, 2026
Details

No additional details available.

Cumberland Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
Holiday Loan
9.00%
View
▼
APR9.00%
Last UpdatedMay 4, 2026
Details

No additional details available.

Cranston Municipal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
Personal Loans
9.49%
View
▼
APR9.49%
Last UpdatedMay 4, 2026
Details

As Low As; Personal Loans

The Peoples Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
Any Purpose Loan
9.99%
View
▼
APR9.99%
Last UpdatedMay 4, 2026
Details

As Low As

Dime Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
Personal Loans - Dime Deposit Account Hold
10.25%
View
▼
APR10.25%
Last UpdatedMay 4, 2026
Details

No additional details available.

Dime Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
Personal Loans - Dime Deposit Account Holder
10.25%
View
▼
APR10.25%
Last UpdatedMay 4, 2026
Details

No additional details available.

Rhode Island Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Personal Loan
10.65%
View
▼
APR10.65%
Last UpdatedMay 4, 2026
Details

No additional details available.

Cumberland Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
Personal Loan
12.00%
View
▼
APR12.00%
Last UpdatedMay 4, 2026
Details

No additional details available.

Dime Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
Personal Loans - Non Dime Deposit Account Holder
12.25%
View
▼
APR12.25%
Last UpdatedMay 4, 2026
Details

No additional details available.

Milford Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Unsecured Personal Loan
14.00%
View
▼
APR14.00%
Last UpdatedMay 4, 2026
Details

Rate reduced 1/4% on all personal loans with automatic loan payment from MFB deposit account.

Ocean State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
Personal Loans
15.75%
View
▼
APR15.75%
Last UpdatedMay 4, 2026
Details

As Low As

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
Personal Loans
9.24%
View
▼
APR9.24%
Last UpdatedMay 4, 2026
Details

No additional details available.

Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
Personal Loans
9.74%
View
▼
APR9.74%
Last UpdatedMay 4, 2026
Details

No additional details available.

Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
Personal Loans
10.24%
View
▼
APR10.24%
Last UpdatedMay 4, 2026
Details

No additional details available.

Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
Personal Loans
10.74%
View
▼
APR10.74%
Last UpdatedMay 4, 2026
Details

No additional details available.

Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
185 Front St, Lincoln, RI, 02865
Personal Loans
11.24%
View
▼
APR11.24%
Last UpdatedMay 4, 2026
Details

No additional details available.

Rhode Island Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Personal Loan
6.65%
View
▼
APR6.65%
Last UpdatedMay 4, 2026
Details

No additional details available.

Cranston Municipal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
Personal Loans
9.49%
View
▼
APR9.49%
Last UpdatedMay 4, 2026
Details

As Low As; Personal Loans

Dime Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
Personal Loans - Dime Deposit Account Hold
10.25%
View
▼
APR10.25%
Last UpdatedMay 4, 2026
Details

No additional details available.

Dime Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
Personal Loans - Dime Deposit Account Holder
10.25%
View
▼
APR10.25%
Last UpdatedMay 4, 2026
Details

No additional details available.

Rhode Island Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Personal Loan
10.65%
View
▼
APR10.65%
Last UpdatedMay 4, 2026
Details

No additional details available.

Cumberland Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
Personal Loan
12.00%
View
▼
APR12.00%
Last UpdatedMay 4, 2026
Details

No additional details available.

Dime Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
Personal Loans - Non Dime Deposit Account Holder
12.25%
View
▼
APR12.25%
Last UpdatedMay 4, 2026
Details

No additional details available.

Milford Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Unsecured Personal Loan
14.00%
View
▼
APR14.00%
Last UpdatedMay 4, 2026
Details

Rate reduced 1/4% on all personal loans with automatic loan payment from MFB deposit account.

Ocean State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
Personal Loans
15.75%
View
▼
APR15.75%
Last UpdatedMay 4, 2026
Details

As Low As

No debt consolidation personal loan rates found in Lincoln, RI currently.
No signature loans personal loan rates found in Lincoln, RI currently.
No home improvement personal loan rates found in Lincoln, RI currently.

Lincoln, RI Personal Loan Rate Trends

Compare local Lincoln, RI 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.

View Full Rhode Island Personal Loan Trends →
Personal Loan — RI Avg
10.354%
▼ 0.492 vs 7 days ago

Rhode Island personal loan rates fell 0.492 points over the past 7 days to 10.354% APR.

Signature Loan — RI Avg
11.024%
▼ 0.145 vs 7 days ago

Rhode Island signature loan rates fell 0.145 points over the past 7 days to 11.024% APR.

As of May 4, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions

What credit score do I need for a personal loan in Rhode Island?

Most lenders in Lincoln, Rhode Island require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in Rhode Island often have more flexible requirements than traditional banks.

What is the difference between secured and unsecured personal loans?

Unsecured personal loans in Lincoln, Rhode Island require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.

Can I use a personal loan for debt consolidation in Rhode Island?

Yes. Debt consolidation is one of the most common uses of personal loans in Lincoln, Rhode Island. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.

Are credit unions or banks better for personal loans in Lincoln, Rhode Island?

Credit unions in Lincoln, Rhode Island often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.

What are the best personal loan rates in Lincoln, Rhode Island?

  • Navigant Credit Union: 9.24% (Personal Loans)
  • Blackstone River Federal Credit Union: 10.45% (Personal Unsecured)
  • Rhode Island Credit Union: 6.65% (Personal Loan)
  • Cumberland Municipal Employees Federal Credit Union: 9.00% (Holiday Loan)
  • Cranston Municipal Employees Credit Union: 9.49% (Personal Loans)
Personal 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: May 3, 2026.

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