Find the best Rhode Island 4-Year Used Auto Loan rates and car loan rates with a loan amount of $25,000. Compare payment and rate to find the best car loan for your vehicle in Rhode Island. Click on the lender links below for more information about each offer.
November 7, 2026 Average Rate: 6.38%
| Lender | APR (%)? | Monthly Payment | ||
|---|---|---|---|---|
|
Pentagon Credit Union Updated 06/25/2020 Restrictions |
2.14% | $717.59 | ||
|
Foxboro Federal Savings Updated 08/29/2019 |
2.99% | $726.92 | ||
|
Navy Federal Credit Union Credit Union Updated 01/30/2023 Restrictions |
2.99% | $726.92 | ||
|
State Employees Cu Of Maryland, Inc Credit Union Updated 01/17/2020 Restrictions |
2.99% | $726.92 | ||
|
Virginia Credit Union, Inc., Credit Union Updated 06/03/2019 Restrictions |
2.99% | $726.92 | ||
|
Eastman Credit Union Updated 09/02/2019 Restrictions |
3.30% | $730.34 | ||
|
Banknewport Updated 08/23/2019 |
4.25% | $740.88 | ||
|
The Washington Trust Company, Of Westerly Updated 08/23/2019 |
4.25% | $740.88 | ||
|
Capital One, National Association Updated 04/16/2020 |
4.76% | $746.58 | ||
|
Freedom National Bank Updated 08/23/2019 |
5.49% | $754.78 | ||
|
United Nations Credit Union Updated 09/13/2019 Restrictions |
5.50% | $754.90 | ||
|
Jovia Financial Credit Union Updated 02/28/2023 Restrictions |
5.79% | $758.17 | ||
|
Fall River Five Cents Savings Bank Updated 02/10/2023 |
6.75% | $769.07 | ||
|
Pentagon Credit Union Updated 06/25/2020 Restrictions |
2.74% | $550.49 | ||
|
Foxboro Federal Savings Updated 08/29/2019 |
2.99% | $553.25 | ||
|
Virginia Credit Union, Inc., Credit Union Updated 06/03/2019 Restrictions |
2.99% | $553.25 | ||
|
Center Parc Credit Union Updated 08/27/2019 Restrictions |
2.99% | $553.25 | ||
|
State Employees Cu Of Maryland, Inc Credit Union Updated 01/17/2020 Restrictions |
3.24% | $556.01 | ||
|
Eastman Credit Union Updated 09/02/2019 Restrictions |
3.30% | $556.68 | ||
|
Navy Federal Credit Union Credit Union Updated 01/30/2023 Restrictions |
3.69% | $561.01 | ||
|
Data provided by BestCashCow |
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APR (Annual Percentage Rate) is the rate that incorporates monthly compounding charges to express the a finance charges as an annual rate.
Rates provided by BestCashCow are based on loan amount of $25,000 and a variety of factors including credit score and loan to value ratios. For specific requirements please check with the lender. Rates may change at any time.
Used Auto Loans - Rates are based on a $25,000 loan in Rhode Island for a purchase transaction of a used vehicle. Discounts indicate the amount of reduction in the Rate for having monthly payments automatically deducted from an account and/or for having other relationship accounts with the institution, expressed as a percentage. Rates are subject to change without notice.
Auto loan rates are expressed as an Annual Percentage Rate (APR), which reflects both the interest rate and any lender fees over the term of the loan. Your auto loan APR depends on factors including your credit score, loan term length, vehicle age (new vs. used), and whether you are purchasing a vehicle or refinancing an existing car loan.
Refinancing an auto loan can lower your monthly payment and reduce total interest costs if market interest rates have dropped since you financed your vehicle, if your credit score has improved, or if you initially financed through a dealership at a higher rate. Compare the APR and remaining term on your current loan against refinance offers to see your potential savings.
Shorter auto loan terms (such as 36 or 48 months) typically offer lower interest rates and cost less in total interest over the life of the loan, though the monthly payment is higher. Longer terms (such as 60 months) reduce the monthly payment amount but generally carry a slightly higher APR and increase total interest paid.
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Last Update on November 6, 2026
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