- Payday loans in Warwick follow Rhode Island law (Rhode Island deferred deposit law; 36% APR cap from January 1, 2027).
- We could not verify a fee cap for Rhode Island; check current limits with the Rhode Island Department of Business Regulation.
- 3 credit unions are headquartered in Warwick; ask about small-dollar loans before borrowing.
Warwick at a glance
| Warwick | |
|---|---|
| Population (2024 Census estimate) | 83,554 |
| Change since 2020 | +0.8% (holding steady) |
| County | Kent County |
| Size rank among 8 Rhode Island places we cover | 3rd |
| Share of Rhode Island’s population | 7.5% |
| Nearest larger city | Cranston (about 6 miles) |
| Credit unions headquartered in town (NCUA) | 3, 1 federal |
| Credit unions headquartered in Kent County | 5 |
| Other towns within 25 miles | 7 (about 496,135 residents) |
| Typical payday APR statewide (CRL 2023) | 261% |
Payday lending in Warwick follows Rhode Island state law. Lenders that serve Warwick, in a store or online, must be licensed by the Rhode Island Department of Business Regulation.
Credit unions in Warwick
These credit unions have their main office in Warwick, according to NCUA call report data (June 2026):
- Wave Federal Credit Union (federal charter — may offer payday alternative loans (PALs))
- Greenwood Credit Union (state charter)
- Rhode Island Credit Union (state charter)
Only federal credit unions can offer payday alternative loans (PALs), capped at 28% APR; state-chartered credit unions often have their own small-loan products. Membership rules apply, and only main offices are listed here; find branches near you with the NCUA Credit Union Locator. See how PALs work.
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Payday loan rules that apply in Warwick
The main Rhode Island rules for a payday loan in Warwick: big change: a 2025 law caps payday loans at 36% APR from January 1, 2027, which is expected to end triple-digit payday lending; until then: licensed deferred deposit lenders can still operate under current rules. See the full Rhode Island payday loan rules.
What a $300 loan costs in Warwick
We could not verify a fee cap for Rhode Island; check current limits with the Rhode Island Department of Business Regulation. Statewide, the typical APR on a $400 payday loan was 261% (Center for Responsible Lending, June 2023). Check any offer with our payday loan calculator.
Other help in Kent County before you borrow
- Call or text 211 for help with rent, utilities and food in Kent County.
- Ask a federal credit union about a PAL: $200–$2,000 at no more than 28% APR (how PALs work).
- Check your bank app for a small-dollar loan or early pay (bank options).
- Try a cash advance app if you have direct deposit (apps compared).
Towns near Warwick
- Cranston · 6 mi
- East Providence · 7 mi
- Providence · 8 mi
- Pawtucket · 12 mi
- Central Falls · 13 mi
- Newport · 16 mi
The nearest larger city is Cranston, about 6 miles away. See all 8 Rhode Island cities.
Need cash before payday?Send one free request to our lender network. We are not a lender; offers and rates come from lenders.
Request a loanFrequently asked questions
Are payday loans legal in Warwick?
Yes. Payday loans are legal in Warwick under Rhode Island state law, and lenders must be licensed by the Rhode Island Department of Business Regulation.
How much does a payday loan cost in Warwick?
We could not verify a fee cap for Rhode Island; check current limits with the Rhode Island Department of Business Regulation. The typical statewide APR was 261% in 2023.
Are there credit unions in Warwick?
Yes. NCUA data lists 3 credit unions with a main office in Warwick, including Wave Federal Credit Union and Greenwood Credit Union. Federal credit unions can offer payday alternative loans capped at 28% APR.
Sources
- U.S. Census Bureau — City and town population totals, Vintage 2024
- U.S. Census Bureau — 2024 Gazetteer files (place locations)
- NCUA — Credit union call report data, June 2026 (FOICU)
- Center for Responsible Lending — Rhode Island caps payday loans at 36%
- Center for Responsible Lending — Red Alert Rates: APRs on $400 single-payment payday loans (June 2023)
- CDFI Fund — NCUA payday alternative loans summary