Loans in Providence County, RI: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Providence County, RI.
The median household in Providence County earns $78,787 a year, 10% below the Rhode Island median of $87,796. About 13% of residents live below the federal poverty line, and 43.1% of households rent their home.
What you need for a payday loan in Providence County
Most Providence County applicants can finish in one sitting if they have these ready:
- 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 Providence County
What Providence County borrowers use it for
cover a short gap before payday
Car repairskeep getting to work while the shop fixes it
Medical billspay a doctor, dentist or pharmacy bill now
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Providence 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 Providence County
Banks with branches in Providence County
135 FDIC-insured bank branches from 16 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Citizens Bank, National Association | 32 | 1090 Charles St, North Providence 02904 |
| Bank of America, National Association | 17 | 100 Westminster St Ste 1050, Providence 02903 |
| Santander Bank, N.A. | 16 | 622 George Washington Hwy, Lincoln 02865 |
| Beacon Bank and Trust | 14 | 1 Turks Head Pl, Providence 02903 |
| The Washington Trust Company, of Westerly | 13 | 156 Westminster St, Providence 02903 |
| JPMorgan Chase Bank, National Association | 8 | 234 Thayer St, Providence 02906 |
| Centreville Bank | 6 | 193 Comstock Pkwy, Cranston 02921 |
| TD Bank, National Association | 6 | 1547 Atwood Ave, Johnston 02919 |
| BankNewport | 6 | 4000 Chapel View Blvd, Cranston 02920 |
| Eastern Bank | 5 | 180 Washington St, Providence 02903 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Providence County
46 credit-union locations from 10 credit unions.
| Credit union | Location |
|---|---|
| Navigant | 693 Broad St, Central Falls 02863 |
| Coastal1 | 540 Broadway, Pawtucket 02860 |
| Rhode Island | 160 Francis St, Providence 02903 |
| Ocean State | 40 Westminster St, Providence 02903 |
| Wave | 10 Monument Sq, Woonsocket 02895 |
| Blackstone River | 10 Monument Sq, Woonsocket 02895 |
| Cranston Municipal Employees | 1615 Pontiac Ave, Cranston 02920 |
| Community & Teachers | 1169 S Broadway, East Providence 02914 |
| Pawtucket Municipal Employees | 137 Roosevelt Ave, Pawtucket 02860 |
| Cumberland Municipal Employees | 2145 Diamond Hill Rd, Cumberland 02864 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Providence County
All Rhode Island counties and cities
Frequently asked questions
Are payday loans legal in Providence County?
Providence 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 Providence County?
Rhode Island has no title-loan law.
Where can I get a small loan in Providence County?
Options include 135 bank and 46 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 Providence County?
Fill out our short online form from anywhere in Providence 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 apply for a loan online in Providence County?
Yes. You don't need to visit a branch or storefront anywhere in Providence 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.
Where can I get a loan in Providence County, RI?
You can apply at banks, credit unions and lenders in Providence 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 Providence 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. Providence County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Providence County with bad credit?
Yes, many lenders in our network work with Providence 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.