West Warwick, RI · Northeast · Allowed
Payday loans in West Warwick
West Warwick 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 West Warwick
28,780 residents · Kent County Median household income is $48,435 — 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 | 1745 Main St Ste 13, 02893 | (401) 828-1380 | 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 West Warwick
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 West Warwick 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 West Warwick
Are payday loans legal in West Warwick, RI?
Yes. Storefront payday lending is permitted across Rhode Island, and West Warwick 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 West Warwick?
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 West Warwick?
1 storefront is listed in West Warwick 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 West Warwick?
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.