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Find Payday Loan Companies in Rhode Island

Governing law in state:
Payday loans are legal in Rhode Island, which has enacted legislation governing cash advance businesses for the purpose of protecting both creditors and borrowers.  Cash advance lenders must comply with Rhode Island's criminal usury or small loan laws.  They are required to display in plain view at their stores a notice listing all their fees as well as a list of acceptable valid identifications. The written contract must state the total charges as well as the maximum finance charges and fees in the form of an annual percentage rate (APR) and dollar amount.  The agreement must also set indicate the 14-day term limit.  Borrowers cannot have more than three outstanding payday cash advance loans at one time, with a maximum aggregate amount of $500.

Maximum loan amount:
A borrower can request payday loan funds for an amount not exceeding $500.

Loan terms:
The loan term is 13-14 days.

Extensions:
A borrower is allowed one extension or rollover.

Fees and charges:
A cash advance creditor can charge fees and finance charges not exceeding 15% of the loan amount. The finance fee for a two-week payday loan in the amount of $100 is $15.

Fee schedules and APR:
The APR for a two-week loan in the amount of $100 is 390%.

Payday Companies

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1

Fast Cash Pawn & Check Cashers

848 Newport Ave,
Pawtucket, Rhode Island 02861
(401) 722-1113
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2

Main Street Payday Advance-Payday Loans RI

11 S Angell St,
Providence, Rhode Island 02906
(888) 542-8080
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3

Check 'N Go: Woonsocket

2000 Diamond Hill Rd,
Woonsocket, Rhode Island 02895
(401) 767-2155
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4

123 Cash

778 Warwick Ave,
Warwick, Rhode Island 02888
(401) 784-9900
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5

Advance America Cash Advance

6198 Post Rd,
North Kingstown, Rhode Island 02852
(401) 885-0815

Find Payday Lenders Near Rhode Island

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Rhode Island Loan Statistics
2012 2011 2010
Average Loan532554555
Average Age403836
Pay Schedule
  Weekly36%27%34%
  Bi-Weekly36%44%45%
  Monthly23%22%16%
  Twice Per Month6%7%5%
Home Owner11%9%19%
Renter89%91%81%
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