Consumer Loans

Auto Loans

• New and used auto loans.
• Terms up to 72 months for purchase or refinance. 
• Fixed competitive rates and flexible terms.
• Rate discounts offered with a Checking Account and/or Payroll Deduction.
• Pre-Approval available.
• Credit insurance options available.
• Check current rates.
• Auto Loan Calculator. 
• GAP available.  GAP helps ease your financial burden by paying the difference between your insurance settlement and your loan balance if your car is declared a total loss including reimbursement up to $1,000 for your deductible.  In addition, GAP includes $1,000 toward the down payment on a replacement vehicle if financed with Rhode Island Credit Union within 60 days after insurance settlement.
• Visit www.fueleconomy.gov to view an electronic version of the Fuel Economy Guide and obtain fuel economy data for new and used passenger vehicles dating back to 1985, side-by-side vehicle comparisons, and other fuel-savings tips.  You'll also find vehicle-specific air pollution emissions information and safety ratings.

Personal Loans

• Terms up to 48 months.
• Rate discounts offered with a Checking Account and/or Payroll Deduction.
• Credit insurance options available.   
• Check current rates. 
• Loan Calculator.                                            

Additional Loans

• Share and Certificate of Deposit Collateral Loans allow you to secure a low interest loan using your own money.
• Personal Lines of Credit, Motorcycle, Boat and Mobile Home Loans also available.
• Check current rates.
• Loan Calculator. 

Learn more about understanding your credit report by reading:

Credit Reporting 101 
Understanding Your FICO  Score - English
Understanding Your FICO Score - Spanish