Quick answer
Warwick, RI residents can get loans from licensed lenders regulated by the Rhode Island Department of Business Regulation - Banking Division. Payday loans are restricted. Call (800) 236-7761 or use the form to see which lenders will work with you today.
Loan options for Warwick residents
Rhode Island law determines what loans are available, what they cost, and who can lend. Here is how each product stands under current Rhode Island law:
| Loan type | Status in RI | Key limits |
|---|---|---|
| Payday / cash advance | Restricted | Written agreement must state total fees in USD and as an APR; fee schedule not c |
| Cash advance | Restricted | Special limits apply |
| Installment loans | Restricted | Small loan lenders may lend up to $5,000 in the aggregate to one borrower; inter |
| Bad credit loans | Restricted | Special limits apply |
| Debt consolidation | Restricted | Special limits apply |
| Refinance | Restricted | Special limits apply |
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Tell us the amount and your credit range. Only lenders licensed in Rhode Island see your request.
Rhode Island loan rules at a glance
All loan products in Warwick follow Rhode Island law. Licensed lenders are regulated by the Rhode Island Department of Business Regulation - Banking Division. Here are the key provisions for the most common loan types:
Rhode Island loan rules at a glance
- Payday max amount
- not captured from primary statute text in this run (deferred deposit fee schedule lives in RIGL ch. 19-14; QA to verify)
- Payday term
- Minimum term before the check casher may deposit the check is 13 days
- Payday cost cap
- Written agreement must state total fees in USD and as an APR; fee schedule not captured in this run
- Payday licensing
- Deferred deposit transactions require a valid check-casher license (RIGL 19-14.1-10(c)) [s1]
- Governing statutes
- Gen. Laws 19-14-1, Gen. Laws 19-14.1-10(c, Gen. Laws 19-14.2-8, RIGL ch. 19-14.2
Regulator: Rhode Island Department of Business Regulation - Banking Division · Phone: not captured in sources reviewed (QA to verify on dbr.ri.gov) · Statutes: Gen. Laws 19-14-1, Gen. Laws 19-14.1-10(c, Gen. Laws 19-14.2-8, RIGL ch. 19-14.2 · Last verified: 2026-10-08
Cheaper options in Warwick
Before you take a high-cost loan, check these local alternatives:
- County, area code(s), nearby cities for Warwick (Census / FCC / state sources)
- Rhode Island product statuses restated concisely with regulator link (city inherits state law; never invent city-level law)
- Warwick-specific local alternatives: credit unions offering PALs, municipal/state utility hardship programs, Warwick 211 entry
- Nearby-city internal links