Loans in Bristol County, RI: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Bristol County, RI.
The median household in Bristol County earns $114,490 a year, 30% above the Rhode Island median of $87,796. About 6% of residents live below the federal poverty line, and 28.2% of households rent their home.
What you need for a payday loan in Bristol County
Here's what to have on hand before you start your payday loan request in Bristol County:
- Be 18 or older (19 in some states) and a US resident
- A government-issued photo ID
- A steady source of income — a job, benefits or self-employment
- An active checking account in your name for the deposit
- A working phone number and email address
Popular loan amounts in Bristol County
What Bristol County borrowers use it for
cover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Medical billspay a doctor, dentist or pharmacy bill now
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Bristol County
Payday Loans Legal
Payday loans (deferred deposit transactions by licensed check cashers) are legal in Rhode Island only until December 31, 2026.
Personal Loans
Small loans up to $5,000: 2%-3% per month (24%-36% a year) by size.
Title Loans Limited
Rhode Island has no title-loan law.
Banks and credit unions in Bristol County
Banks with branches in Bristol County
16 FDIC-insured bank branches from 9 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Citizens Bank, National Association | 4 | 184 County Rd, Barrington 02806 |
| BankNewport | 3 | 6 Gooding Ave, Bristol 02809 |
| Santander Bank, N.A. | 2 | 272 County Rd, Barrington 02806 |
| JPMorgan Chase Bank, National Association | 2 | 280 County Rd, Barrington 02806 |
| Bank of America, National Association | 1 | 257 County Rd, Barrington 02806 |
| TD Bank, National Association | 1 | 231 County Rd, Barrington 02806 |
| BayCoast Bank | 1 | 601 Hope St, Bristol 02809 |
| The Washington Trust Company, of Westerly | 1 | 236 County Road, Barrington 02806 |
| Centreville Bank | 1 | 521 Main St, Warren 02885 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Bristol County
5 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Navigant | 560 Main St, Warren 02885 |
| Coastal1 | 576 Metacom Ave Ste 1, Bristol 02809 |
| The Peoples | 50 Gooding Ave, Bristol 02809 |
| Rhode Island | 390 Metacom Ave, Bristol 02809 |
Source: NCUA credit union branch data, June 30, 2026.
All Rhode Island counties and cities
Frequently asked questions
Are payday loans legal in Bristol County?
Bristol County follows Rhode Island law. Payday loans (deferred deposit transactions by licensed check cashers) are legal in Rhode Island only until December 31, 2026.
Are title loans legal in Bristol County?
Rhode Island has no title-loan law.
Where can I get a small loan in Bristol County?
Options include 16 bank and 5 credit-union locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Bristol County?
Fill out our short online form from anywhere in Bristol County. We share it with lenders in our network that serve Rhode Island; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Can I get a loan in Bristol County with bad credit?
Yes, many lenders in our network work with Bristol County residents who have fair, poor or limited credit. They look at your income and ability to repay, not just your score, and some use alternative credit data instead of a traditional hard pull. Approval isn't guaranteed, but checking is free and takes about 3 minutes. Loan amounts range from $100 to $5,000.
Where can I get a loan in Bristol County, RI?
You can apply at banks, credit unions and lenders in Bristol County, or apply online from anywhere in the county. Online requests are often the quickest way to reach several lenders at once. Our free form sends a single request to lenders in our network that serve Rhode Island residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.
Can I get a loan in Bristol County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. Bristol County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Bristol County?
Yes. You don't need to visit a branch or storefront anywhere in Bristol County. Our secure online form works on your phone or computer, takes about 3 minutes, and connects you with lenders in our network that serve Rhode Island. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.