# Personal Loans in Rhode Island | Payday Loans (Alternatives to Installment Loans) & Online Loans Money today, momentum tomorrow. ## Get loans up to $450 in Rhode Island. Apply online or at one of our 8 RI locations. [Apply Online](https://www.advanceamerica.net/online) Already have an account? [Login](https://www.advanceamerica.net/online/signin/login) [Find a Store](https://www.advanceamerica.net/store-locations) Not in Rhode Island? [ ![decorative location icon](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/icons/icon-location-pin.svg) Use My Location ](https://www.advanceamerica.net/geolocate/ip/state) There was a problem with finding your location. Please use the form below. Enter your state ## Proudly serving our customers ## Advance America Rhode Island customer reviews "Service is impeccable" — steven, Woonsocket, RI, 05/23/2026 ![trustpilot logo](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/logos/logo-trustpilot-review.svg) ![5 star rating](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/icons/icon-5stars-trustpilot.svg) "Never had a problem. Great service. Always there when you need them. Very reliable. " — Pat, Pawtucket, RI, 05/19/2026 ![trustpilot logo](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/logos/logo-trustpilot-review.svg) ![5 star rating](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/icons/icon-5stars-trustpilot.svg) "Agent was very patient with me recovering account and helping me step by step Relieving my anxiety for sure " — Do, Providence, RI, 05/15/2026 ![trustpilot logo](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/logos/logo-trustpilot-review.svg) ![5 star rating](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/icons/icon-5stars-trustpilot.svg) [Read More Reviews](https://www.advanceamerica.net/customer-reviews) var loans_rates = {"payday-loan":{"in_store":{"min":100,"max":450,"total":10,"rates":[{"apr":260.71,"loan_amount":100,"loan_term":"14 Days","num_payments":1,"repayment_cycle":"bi-weekly","payment_cycle":"bi-weekly","payment_method":"ACH","finance_charge":10,"payment_amount":110,"payment_final":"","payment_total":110,"combine":true,"legal":"Assumes a 14 day term. Loans subject to approval. Examples provided are typical loans offered to qualified applicants. Other loan amounts and terms may be available. Checks may be issued instead of cash. Licensed Rhode Island Check Casher.","loan_amount_tip":"","payment_cycle_tip":"These are examples of pay frequency. Since payments are aligned with pay dates, there may be other payday cycles that would impact the repayment terms.","payment_method_tip":"","apr_tip":"The APR is a measure of the cost of credit. While your loan is short-term and based on your pay cycle, the APR represents a yearly cost as a percentage of the principal.","sub_heading":"The below information is based on typical loan examples. Other loan amounts may be available."},{"apr":121.66,"loan_amount":100,"loan_term":"30 Days","num_payments":1,"repayment_cycle":"monthly","payment_cycle":"monthly","payment_method":"ACH","finance_charge":10,"payment_amount":110,"payment_final":"","payment_total":110,"combine":true,"legal":"Assumes a 30 day term. Loans subject to approval. Examples provided are typical loans offered to qualified applicants. Other loan amounts and terms may be available. Checks may be issued instead of cash. Licensed Rhode Island Check Casher.","loan_amount_tip":"","payment_cycle_tip":"These are examples of pay frequency. Since payments are aligned with pay dates, there may be other payday cycles that would impact the repayment terms.","payment_method_tip":"","apr_tip":"The APR is a measure of the cost of credit. While your loan is short-term and based on your pay cycle, the APR represents a yearly cost as a percentage of the principal.","sub_heading":"The below information is based on typical loan examples. Other loan amounts may be available."},{"apr":121.66,"loan_amount":200,"loan_term":"30 Days","num_payments":1,"repayment_cycle":"monthly","payment_cycle":"monthly","payment_method":"ACH","finance_charge":20,"payment_amount":220,"payment_final":"","payment_total":220,"combine":true,"legal":"Assumes a 30 day term. Loans subject to approval. Examples provided are typical loans offered to qualified applicants. Other loan amounts and terms may be available. Checks may be issued instead of cash. Licensed Rhode Island Check Casher.","loan_amount_tip":"","payment_cycle_tip":"These are examples of pay frequency. Since payments are aligned with pay dates, there may be other payday cycles that would impact the repayment terms.","payment_method_tip":"","apr_tip":"The APR is a measure of the cost of credit. While your loan is short-term and based on your pay cycle, the APR represents a yearly cost as a percentage of the principal.","sub_heading":"The below information is based on typical loan examples. Other loan amounts may be available."},{"apr":260.71,"loan_amount":200,"loan_term":"14 Days","num_payments":1,"repayment_cycle":"bi-weekly","payment_cycle":"bi-weekly","payment_method":"ACH","finance_charge":20,"payment_amount":220,"payment_final":"","payment_total":220,"combine":true,"legal":"Assumes a 14 day term. Loans subject to approval. Examples provided are typical loans offered to qualified applicants. Other loan amounts and terms may be available. Checks may be issued instead of cash. Licensed Rhode Island Check Casher.","loan_amount_tip":"","payment_cycle_tip":"These are examples of pay frequency. Since payments are aligned with pay dates, there may be other payday cycles that would impact the repayment terms.","payment_method_tip":"","apr_tip":"The APR is a measure of the cost of credit. While your loan is short-term and based on your pay cycle, the APR represents a yearly cost as a percentage of the principal.","sub_heading":"The below information is based on typical loan examples. Other loan amounts may be available."},{"apr":260.71,"loan_amount":300,"loan_term":"14 Days","num_payments":1,"repayment_cycle":"bi-weekly","payment_cycle":"bi-weekly","payment_method":"ACH","finance_charge":30,"payment_amount":330,"payment_final":"","payment_total":330,"combine":true,"legal":"Assumes a 14 day term. Loans subject to approval. Examples provided are typical loans offered to qualified applicants. Other loan amounts and terms may be available. Checks may be issued instead of cash. Licensed Rhode Island Check Casher.","loan_amount_tip":"","payment_cycle_tip":"These are examples of pay frequency. Since payments are aligned with pay dates, there may be other payday cycles that would impact the repayment terms.","payment_method_tip":"","apr_tip":"The APR is a measure of the cost of credit. While your loan is short-term and based on your pay cycle, the APR represents a yearly cost as a percentage of the principal.","sub_heading":"The below information is based on typical loan examples. Other loan amounts may be available."},{"apr":121.66,"loan_amount":300,"loan_term":"30 Days","num_payments":1,"repayment_cycle":"monthly","payment_cycle":"monthly","payment_method":"ACH","finance_charge":30,"payment_amount":330,"payment_final":"","payment_total":330,"combine":true,"legal":"Assumes a 30 day term. Loans subject to approval. Examples provided are typical loans offered to qualified applicants. Other loan amounts and terms may be available. Checks may be issued instead of cash. Licensed Rhode Island Check Casher.","loan_amount_tip":"","payment_cycle_tip":"These are examples of pay frequency. Since payments are aligned with pay dates, there may be other payday cycles that would impact the repayment terms.","payment_method_tip":"","apr_tip":"The APR is a measure of the cost of credit. While your loan is short-term and based on your pay cycle, the APR represents a yearly cost as a percentage of the principal.","sub_heading":"The below information is based on typical loan examples. Other loan amounts may be available."},{"apr":121.66,"loan_amount":400,"loan_term":"30 Days","num_payments":1,"repayment_cycle":"monthly","payment_cycle":"monthly","payment_method":"ACH","finance_charge":40,"payment_amount":440,"payment_final":"","payment_total":440,"combine":true,"legal":"Assumes a 30 day term. Loans subject to approval. Examples provided are typical loans offered to qualified applicants. Other loan amounts and terms may be available. Checks may be issued instead of cash. Licensed Rhode Island Check Casher.","loan_amount_tip":"","payment_cycle_tip":"These are examples of pay frequency. Since payments are aligned with pay dates, there may be other payday cycles that would impact the repayment terms.","payment_method_tip":"","apr_tip":"The APR is a measure of the cost of credit. While your loan is short-term and based on your pay cycle, the APR represents a yearly cost as a percentage of the principal.","sub_heading":"The below information is based on typical loan examples. Other loan amounts may be available."},{"apr":260.71,"loan_amount":400,"loan_term":"14 Days","num_payments":1,"repayment_cycle":"bi-weekly","payment_cycle":"bi-weekly","payment_method":"ACH","finance_charge":40,"payment_amount":440,"payment_final":"","payment_total":440,"combine":true,"legal":"Assumes a 14 day term. Loans subject to approval. Examples provided are typical loans offered to qualified applicants. Other loan amounts and terms may be available. Checks may be issued instead of cash. Licensed Rhode Island Check Casher.","loan_amount_tip":"","payment_cycle_tip":"These are examples of pay frequency. Since payments are aligned with pay dates, there may be other payday cycles that would impact the repayment terms.","payment_method_tip":"","apr_tip":"The APR is a measure of the cost of credit. While your loan is short-term and based on your pay cycle, the APR represents a yearly cost as a percentage of the principal.","sub_heading":"The below information is based on typical loan examples. Other loan amounts may be available."},{"apr":121.66,"loan_amount":450,"loan_term":"30 Days","num_payments":1,"repayment_cycle":"monthly","payment_cycle":"monthly","payment_method":"ACH","finance_charge":45,"payment_amount":495,"payment_final":"","payment_total":495,"combine":true,"legal":"Assumes a 30 day term. Loans subject to approval. Examples provided are typical loans offered to qualified applicants. Other loan amounts and terms may be available. Checks may be issued instead of cash. Licensed Rhode Island Check Casher.","loan_amount_tip":"","payment_cycle_tip":"These are examples of pay frequency. Since payments are aligned with pay dates, there may be other payday cycles that would impact the repayment terms.","payment_method_tip":"","apr_tip":"The APR is a measure of the cost of credit. While your loan is short-term and based on your pay cycle, the APR represents a yearly cost as a percentage of the principal.","sub_heading":"The below information is based on typical loan examples. Other loan amounts may be available."},{"apr":260.71,"loan_amount":450,"loan_term":"14 Days","num_payments":1,"repayment_cycle":"bi-weekly","payment_cycle":"bi-weekly","payment_method":"ACH","finance_charge":45,"payment_amount":495,"payment_final":"","payment_total":495,"combine":true,"legal":"Assumes a 14 day term. Loans subject to approval. Examples provided are typical loans offered to qualified applicants. Other loan amounts and terms may be available. Checks may be issued instead of cash. Licensed Rhode Island Check Casher.","loan_amount_tip":"","payment_cycle_tip":"These are examples of pay frequency. Since payments are aligned with pay dates, there may be other payday cycles that would impact the repayment terms.","payment_method_tip":"","apr_tip":"The APR is a measure of the cost of credit. While your loan is short-term and based on your pay cycle, the APR represents a yearly cost as a percentage of the principal.","sub_heading":"The below information is based on typical loan examples. Other loan amounts may be available."}]}}}; var loans_rates_pre_chosen = {"placeholder":true}; ## Available loans in Rhode Island Not in Rhode Island? There was a problem with finding your location. Please use the form below. Enter your state ### Fast and easy cash loans: Payday loans, cash advances, online loans and personal loans ![Payday Loan icon](https://cdn.advanceamerica.net/public/media/images/2024-08/paydyay-loan.svg)### Payday Loan $100 - $450 Available online or in store Also known as a cash advance; a short-term loan that is typically due on your next payday. - [Loan Rates & Terms](#payday-loan-rates) - [What You Need](#payday-loan-needs) #### Loan Rates & Terms In Store Online Select your loan amount $ ${ formatNumber( loanAmount ) } Select your loan amount $${formatNumber( min )} $${formatNumber( max )} Available loan amount: $${ formatNumber( availableLoanAmounts\[0\] ) } Pay Cycle ? Loan Term Payment Method ? Pay Cycle ? ${ payCycles.chosen } Loan Term Payment Method ? ${ paymentMethods.chosen } Loan Amount ? $${ formatNumber( loanAmount ) } Estimated Payment${chosenRate.num_payments > 1 ? 's' : ''} ${ formatPaymentsString() } Final Payment $${ formatNumber ( chosenRate.payment_final, true ) } Finance Charges $${ formatNumber( chosenRate.finance_charge, true ) } Annual Percentage Rate (APR) ? ${ formatNumber ( chosenRate.apr, false ) }% Total Amount Due $${ formatNumber( chosenRate.payment_total, true ) } #### What You’ll Need To Apply For a Payday Loan - Government Issued ID - Proof of Income - Checking Account [Apply Online](https://www.advanceamerica.net/online) [Find a Store](https://www.advanceamerica.net/store-locations) ## How our loans work in Rhode Island Apply, get money and pay in store or online. 1 [Start your application now](https://www.advanceamerica.net/online) or apply in the store. 2 Get approved within minutes. 3 Receive money same day.\* \*Online approvals before 10:30 AM ET (M-F) are typically funded to your bank account by 5 PM ET same-day. Approvals after 10:30 AM ET are typically funded in the morning the next business day. [Apply Online](https://www.advanceamerica.net/online) [Find a Store](https://www.advanceamerica.net/store-locations) Why Advance America in Rhode Island? We’ll work with you to find the perfect loan solution to fit your life in the Ocean State. - Same-day money online or at one of our 8 RI locations - Instant approval decision - Bad credit, poor credit or good credit? All credit levels can apply. - Conveniently manage loan account online in Rhode Island - Thousands of 5-star customer reviews in RI - Trusted lender in RI since 2006 ## See all Rhode Island locations Jump to city name: A B [C](#c) D [E](#e) F G H I J K L M [N](#n) O [P](#p) Q R S T U V [W](#w) X Y Z C ### Cranston, RI [Advance America #4268 500 Dyer Ave., Ste. C Cranston, RI 02920 ](https://www.advanceamerica.net/store-locations/rhode-island/500-dyer-ave-ste-c-cranston-02920)*Next to 5-Herb Pizza* [(401) 275-0269]() [Get Directions](https://www.google.com/maps/dir/?api=1&destination=500%20Dyer%20Ave.%2C%20Ste.%20C,+Cranston,+RI+02920) E ### [East Providence, RI](https://www.advanceamerica.net/store-locations/rhode-island/east-providence) N ### [North Kingstown, RI](https://www.advanceamerica.net/store-locations/rhode-island/north-kingstown) P ### Pawtucket, RI [Advance America #4097 325 Armistice Blvd. Pawtucket, RI 02861 ](https://www.advanceamerica.net/store-locations/rhode-island/325-armistice-blvd-pawtucket-02861)*In Save-A-Lot Plaza* [(401) 725-0387]() [Get Directions](https://www.google.com/maps/dir/?api=1&destination=325%20Armistice%20Blvd.,+Pawtucket,+RI+02861) [Advance America #4132 50 Anne Mary St., Suite 102 Pawtucket, RI 02860 ](https://www.advanceamerica.net/store-locations/rhode-island/50-anne-mary-st-suite-102-pawtucket-02860)*In Job Lot Plaza* [(401) 274-2918]() [Get Directions](https://www.google.com/maps/dir/?api=1&destination=50%20Anne%20Mary%20St.%2C%20Suite%20102,+Pawtucket,+RI+02860) ### Providence, RI [Advance America #4181 361 Reservoir Ave., Unit B-2 Providence, RI 02907 ](https://www.advanceamerica.net/store-locations/rhode-island/361-reservoir-ave-unit-b-2-providence-02907)*In the Ocean State Plaza* [(401) 941-0814]() [Get Directions](https://www.google.com/maps/dir/?api=1&destination=361%20Reservoir%20Ave.%2C%20Unit%20B-2,+Providence,+RI+02907) W ### Warren, RI [Advance America #4543 628 Metacom Ave, Unit 14 Warren, RI 02885 ](https://www.advanceamerica.net/store-locations/rhode-island/628-metacom-ave-unit-14-warren-02885)*Across from CVS & Papa Gino's* [(401) 247-0178]() [Get Directions](https://www.google.com/maps/dir/?api=1&destination=628%20Metacom%20Ave%2C%20Unit%2014,+Warren,+RI+02885) ### Warwick, RI [Advance America #1938 775 Bald Hill Rd. Warwick, RI 02886 ](https://www.advanceamerica.net/store-locations/rhode-island/775-bald-hill-rd-warwick-02886)*Next to Taco Bell* [(401) 821-4018]() [Get Directions](https://www.google.com/maps/dir/?api=1&destination=775%20Bald%20Hill%20Rd.,+Warwick,+RI+02886) [Advance America #1939 400 Warwick Ave., Ste. 2 Warwick, RI 02888 ](https://www.advanceamerica.net/store-locations/rhode-island/400-warwick-ave-ste-2-warwick-02888)*Across from Coastal1 Credit Union* [(401) 461-2890]() [Get Directions](https://www.google.com/maps/dir/?api=1&destination=400%20Warwick%20Ave.%2C%20Ste.%202,+Warwick,+RI+02888) ### [West Warwick, RI](https://www.advanceamerica.net/store-locations/rhode-island/west-warwick) ### [Westerly, RI](https://www.advanceamerica.net/store-locations/rhode-island/westerly) ### Woonsocket, RI [Advance America #4089 1700 Diamond Hill Rd, Ste B Woonsocket, RI 02895 ](https://www.advanceamerica.net/store-locations/rhode-island/1700-diamond-hill-rd-ste-b-woonsocket-02895)*Across from Midas* [(401) 766-5128]() [Get Directions](https://www.google.com/maps/dir/?api=1&destination=1700%20Diamond%20Hill%20Rd%2C%20Ste%20B,+Woonsocket,+RI+02895) Don't see your city? [Find your closest location](https://www.advanceamerica.net/store-locations) ## Refer it forward Know someone who could use a boost? Send them to Advance America and get $50\* when they become a new customer. ## Other money services offered in Rhode Island [ ![icon for Western Union in Rhode Island](https://cdn.advanceamerica.net/public/media/images/2023-03/WU-logo-new_0_5.png?VersionId=LQVTUJg3hmPFSxemhDQ54qLAT1lUlb6c) ](https://www.advanceamerica.net/services/western-union) ### [Western Union in Rhode Island](https://www.advanceamerica.net/services/western-union) With Western Union® services from Advance America, sending or receiving money is easier than ever. [Learn More](https://www.advanceamerica.net/services/western-union) ## About Advance America in Rhode Island Since 2006, Advance America has provided money solutions to Rhode Islanders. Advance America is a trusted direct lender with the services and support you need to keep moving forward. From the Providence capital and artistic Pawtucket to bayside Warwick and Cranston, Advance America has convenient locations throughout the state of Rhode Island. We are proud to offer instant approval decisions on loan applications, which means you can get the money you need the same day. Stop by one of our 8 convenient Rhode Island locations or apply online today. With Advance America in Rhode Island, applying in store is quick and easy. In RI, we offer [Payday Loans](https://www.advanceamerica.net/loans/payday-loans) as well as [Western Union](https://www.advanceamerica.net/services/western-union). Advance America is a nationally recognized, fully accredited company that helps millions of people with their financial needs. We provide first-rate customer service to people who need a loan quickly. Read reviews from our RI customers to find out what makes Advance America one of the most trusted places to get the cash you need and why we have an A+ rating with the Better Business Bureau. [Apply Online](https://www.advanceamerica.net/online) [Find a Store](https://www.advanceamerica.net/store-locations) ## License/Registration Proof of current license is available on request.