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Not allowed in Rhode Island

Title loans are not allowed in Rhode Island

Rhode Island law does not allow title loans, so there is no request form for them here. Here are other options and free help in Rhode Island.

BadCreditMD is not a lender or broker. We explain your options; a lending network partner shares requests with lenders, who set their own rates and decide whether to lend. See disclosures.

Last updated .

Part of the Rhode Island guide

Why this is not available

Rhode Island law does not allow title loans, so we show no request form. There is no Rhode Island license that authorizes them. Regulator: Rhode Island Department of Business Regulation (DBR), Division of Banking.

Title loans in Rhode Island
ProductStatusAPR capAmountTermLicenseLaw
Title loans[1] Not allowed Not allowed Not set by statute Not set by statute No license authorizes vehicle title lending in Rhode Island See sources
Verified against the statute and regulator on September 23, 2026. Laws change; confirm with the regulator before you borrow.

Other options in Rhode Island

Cheaper options to try first

  • Credit union payday alternative loans (PALs), capped at 28% APR under NCUA rules (12 CFR 701.21).
  • Nonprofit credit counseling through the National Foundation for Credit Counseling.
  • A payment plan from the company you owe, if you ask before you miss a payment.
  • 211 for help with rent, utilities and food: call 211 or visit 211.org.

More cheaper options in Rhode Island.

Other loan types allowed in Rhode Island

See every loan type Rhode Island law allows.

Title loans in nearby states

Sources

  1. dbr.ri.gov. Rhode Island Department of Business Regulation (DBR), Division of Banking. Retrieved September 23, 2026.

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Important disclosures

APRs vary by lender and state in Rhode Island. Each lender sets its own rates and terms and must show you the APR before you sign.

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  • Questions about a lender licensed in Rhode Island? Contact the Rhode Island Department of Business Regulation (DBR), Division of Banking or file a state complaint.
  • You can submit a complaint about any lender to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint.