Best Personal Loan Rates in West Warwick, Rhode Island (RI) - April 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 West Warwick, Rhode Island include: Ocean State Credit UnionOcean State Credit Union744 MAIN ST, WEST WARWICK, RI, 02893A5.0 ★Texas Ratio: 7.10% offering Debt Consolidation Loans at 15.75% APR, Rhode Island Credit UnionRhode Island Credit UnionA+5.0 ★Texas Ratio: 2.38% offering Personal Loan at 6.65% APR, Coastal1 Credit UnionCoastal1 Credit UnionA+5.0 ★Texas Ratio: 2.03% offering Balloon Land Loans (Buildable Lot) 1/1 at 6.71% APR, Washington Trust Company, of WesterlyWashington Trust Company, of WesterlyA5.0 ★Texas Ratio: 7.68% offering Land Loans (Buildable Land) at 8.24% APR, and Cumberland Municipal Employees Federal Credit UnionCumberland Municipal Employees Federal Credit UnionA+5.0 ★Texas Ratio: 0.27% offering Holiday Loan at 9.00% APR. Personal loan rates as of April 11, 2026 according to verified data from MonitorBankRates.
West Warwick has 1 local institution in our database, with personal loan rates as low as 15.75% APR from Ocean State Credit Union at 744 MAIN ST, WEST WARWICK, RI, 02893. 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 West Warwick, Rhode Island.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in West Warwick, 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: April 11, 2026
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Rate reduced 1/4% on all personal loans with automatic loan payment from MFB deposit account.
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Rate reduced 1/4% on all personal loans with automatic loan payment from MFB deposit account.
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West Warwick, RI Personal Loan Rate Trends
Compare local West Warwick, 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.
Rhode Island personal loan rates rose 0.111 points over the past 7 days to 11.471% APR.
Rhode Island signature loan rates fell 0.923 points over the past 7 days to 11.089% 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 West Warwick, Rhode Island?
What are the best personal loan rates in West Warwick, Rhode Island?
- Ocean State Credit Union: 15.75% (Debt Consolidation Loans)
- Rhode Island Credit Union: 6.65% (Personal Loan)
- Coastal1 Credit Union: 6.71% (Balloon Land Loans (Buildable Lot) 1/1)
- Washington Trust Company, of Westerly: 8.24% (Land Loans (Buildable Land))
- Cumberland Municipal Employees Federal Credit Union: 9.00% (Holiday Loan)
Personal Loan Calculators
