Loans in Washington County, RI: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Washington County, RI.
The median household in Washington County earns $106,638 a year, 21% above the Rhode Island median of $87,796. About 8% of residents live below the federal poverty line, and 22.5% of households rent their home.
What you need for a payday loan in Washington County
Lenders that serve Washington County typically ask for the following:
- 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 Washington County
What Washington County borrowers use it for
deposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
Emergencieshandle the unexpected the same week
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Washington 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 Washington County
Banks with branches in Washington County
31 FDIC-insured bank branches from 9 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Washington Trust Company, of Westerly | 10 | 23 Broad St, Westerly 02891 |
| Citizens Bank, National Association | 6 | 100 Frenchtown Rd, North Kingstown 02852 |
| Beacon Bank and Trust | 4 | 122 Tower Hill Road, Wakefield 02879 |
| Bank of America, National Association | 3 | 6725 Post Rd, North Kingstown 02852 |
| Centreville Bank | 2 | 234 W Main St, North Kingstown 02852 |
| BankNewport | 2 | 90 Point Judith Rd, Narragansett 02882 |
| JPMorgan Chase Bank, National Association | 2 | 580 Kingstown Rd, Wakefield 02879 |
| Santander Bank, N.A. | 1 | 20 Main St, Wakefield 02879 |
| Dime Bank | 1 | 131 Franklin St, Westerly 02891 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Washington County
13 credit-union locations from 6 credit unions.
| Credit union | Location |
|---|---|
| Navigant | 172 Main St, Wakefield 02879 |
| Coastal1 | 221 Tower Hill Rd, North Kingstown 02852 |
| The Peoples | 703 Kingstown Rd, Wakefield 02879 |
| Rhode Island | 50 Lower College Rd, Kingston 02881 |
| Ocean State | 7373 Post Rd, North Kingstown 02852 |
| Westerly Community | 122 Granite St, Westerly 02891 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Washington County
All Rhode Island counties and cities
Frequently asked questions
Are payday loans legal in Washington County?
Washington 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 Washington County?
Rhode Island has no title-loan law.
Where can I get a small loan in Washington County?
Options include 31 bank and 13 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 Washington County?
Fill out our short online form from anywhere in Washington 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 Washington County with bad credit?
Yes, many lenders in our network work with Washington 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 Washington County, RI?
You can apply at banks, credit unions and lenders in Washington 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 Washington 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. Washington County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Washington County?
Yes. You don't need to visit a branch or storefront anywhere in Washington 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.