Johnston, RI · Northeast · Allowed
Payday loans in Johnston
Johnston is governed by Rhode Island's statewide lending law — cities don't set their own loan rules. Storefront payday lending is permitted in Rhode Island. State law caps what lenders can charge — the limits below are the legal ceiling, and honest lenders stay under it.
The limits below are the legal ceiling — any offer above them is being made outside the law.
Lending storefronts in Johnston
29,230 residents · Providence County Median household income is $58,592 — below the Rhode Island median of $63,805.
1 storefront location of 1 company listed in the public directory snapshot below. Categories are the directory's own — verify a store's license with the state regulator before borrowing.
| Lender | Address | Phone | Hours |
|---|---|---|---|
| Advance America Check Cashing/Pay-day Loans | 1500 Atwood Ave Ste 15, 02919 | (401) 272-3607 | Mon 10:00 AM - 6:00 PM · hours vary |
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the Rhode Island page before visiting. Spot an error? Report it.
The online route in Johnston
A parallel market lends entirely online — application, decision and funding on a website, no storefront. Lenders licensed in Rhode Island follow the state schedule anywhere in the state, but bank-partner and tribal loans are structured outside state rate limits, and regulators dispute that model.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the Rhode Island regulator.
The rules behind the numbers
Deferred deposit transactions are short-term loans designed for immediate cash needs and should not be used for long-term credit needs.
In practice: borrow $300 for a standard term and the finance charge is $45 — $345 repaid at the end, about 391% APR. Every compliant lender in Johnston has to fit inside that schedule.
Statute: R.I. Gen. Laws § 19-14.4-1 et seq.
Regulator: Rhode Island Department of Business Regulation - Banking Division · dbr.ri.gov
Questions people ask in Johnston
Are payday loans legal in Johnston, RI?
Yes. Storefront payday lending is permitted across Rhode Island, and Johnston runs under the same state rules: maximum loan $500, fees capped at 15% of amount advanced ($15 per $100). A store charging above the cap is operating illegally.
How much would a $300 loan cost me in Johnston?
The same as anywhere in Rhode Island: state law sets the schedule. On a typical $300 loan the finance charge is about $45 — $345 repaid at the end of the standard term.
Which lenders have stores in Johnston?
1 storefront is listed in Johnston in our 2022-02-20 directory snapshot (1 different company). The full list with addresses, phones and hours is in the table above.
Who regulates lenders in Johnston?
Complaints about a lender go to the Rhode Island Department of Business Regulation - Banking Division (dbr.ri.gov) — keep the loan agreement and every fee disclosure you were given.