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Payday Loans in Rhode Island — Laws, Limits & Online Lenders

Compare licensed payday lenders in Rhode Island. One application, multiple offers, no credit impact.

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2 Compare Offers
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Rhode Island Payday Loan Laws at a Glance

Max Loan Amount $500
Max APR 260%
Max Term 13 days minimum
Rollovers Prohibited
Cooling-Off Period None
Governing Statute R.I. Gen. Laws § 19-14.4

How to Get a Payday Loan in Rhode Island

Getting a payday loan in Rhode Island is straightforward. Fill out the form above with your basic information — name, address, income, and bank account details. Our network of Rhode Island-licensed lenders reviews your application and presents offers based on your profile.

You compare terms, choose the offer that works best for you, and funds are deposited directly into your bank account — often the same day or next business day.

Requirements for Rhode Island Borrowers

  • Must be 18 years or older (resident of Rhode Island)
  • Active checking account
  • Regular source of income
  • Valid government-issued ID
  • Not active-duty military

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What to Know Before Borrowing in Rhode Island

Under R.I. Gen. Laws § 19-14.4, payday lenders in Rhode Island may charge up to the state maximum on qualifying loans. Make sure you understand the total repayment amount before accepting any offer. If you cannot repay on time, contact your lender immediately — Rhode Island may require lenders to offer an extended payment plan.

For more information on payday loan regulations across all states, see our Rhode Island and other state payday loan laws.

Payday Loans by City in Rhode Island

Select your city for local payday loan information, lender options, and Rhode Island regulations that apply to your area.

Providence Warwick Cranston Pawtucket East Providence

Rhode Island Payday Loan FAQ

Are payday loans legal in Rhode Island?

Yes. Payday loans are legal in Rhode Island under R.I. Gen. Laws § 19-14.4. Lenders must be licensed by the state banking regulator.

How much can I borrow in Rhode Island?

The maximum payday loan amount in Rhode Island is $500. Your actual loan amount depends on your income and the lender's assessment.

What is the maximum APR in Rhode Island?

The maximum APR for payday loans in Rhode Island is approximately 260%. Actual rates vary by lender within this limit.

Can I roll over a payday loan in Rhode Island?

Prohibited

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